Shanghai Rural Commercial Bank Co (SHSE:601825) OCF Margin %: 109.65% (As of Mar. 2026) — 626% Above Median

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SHSE:601825 Shanghai Rural Commercial Bank Co Ltd SHSE:601825
51 GF Score
Price ¥8.34
GF Value ¥7.93
Valuation Fairly Valued
! 4 Warning Signs
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What is Shanghai Rural Commercial Bank Co OCF Margin %?

Shanghai Rural Commercial Bank Co SHSE:601825 -0.24% 51 OCF Margin % is 109.65% as of Mar. 2026, which is 626% above its 10-year median of 15.10. GuruFocus rates SHSE:601825 with a GF Score™ of 51/100 and a GF Value™ of ¥7.93 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,498 Banks companies, Shanghai Rural Commercial Bank Co ranks worse than 91.26% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Shanghai Rural Commercial Bank Co's Cash Flow from Operations for the three months ended in Mar. 2026 was ¥7,282 Mil. Shanghai Rural Commercial Bank Co's Revenue for the three months ended in Mar. 2026 was ¥6,641 Mil. Therefore, Shanghai Rural Commercial Bank Co's OCF Margin % for the quarter that ended in Mar. 2026 was 109.65%.

As of today, Shanghai Rural Commercial Bank Co's current OCF Yield % is -27.18%.

The historical rank and industry rank for Shanghai Rural Commercial Bank Co's OCF Margin % or its related term are showing as below:

SHSE:601825' s OCF Margin % Range Over the Past 10 Years
Min: -62.82   Med: 15.1   Max: 488.91
Current: -86.08


During the past 13 years, the highest OCF Margin % of Shanghai Rural Commercial Bank Co was 488.91%. The lowest was -62.82%. And the median was 15.10%.

SHSE:601825's OCF Margin % is ranked worse than
91.26% of 1498 companies
in the Banks industry
Industry Median: 29 vs SHSE:601825: -86.08


Shanghai Rural Commercial Bank Co OCF Margin % Related Terms


Shanghai Rural Commercial Bank Co OCF Margin % Historical Data

* Premium members only.

The historical data trend for Shanghai Rural Commercial Bank Co's OCF Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Shanghai Rural Commercial Bank Co OCF Margin % Chart

Shanghai Rural Commercial Bank Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -4.79 488.91 149.23 197.94 -44.95

Shanghai Rural Commercial Bank Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
OCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 271.91 -162.68 229.10 -597.66 109.65

Shanghai Rural Commercial Bank Co OCF Margin % Competitor Comparison

For the Banks - Regional subindustry, Shanghai Rural Commercial Bank Co's OCF Margin %, along with its competitors' market caps and OCF Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Shanghai Rural Commercial Bank Co OCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Shanghai Rural Commercial Bank Co's OCF Margin % distribution charts can be found below:

* The bar in red indicates where Shanghai Rural Commercial Bank Co's OCF Margin % falls into.


SHSE:601825
51GF Score
Shanghai Rural Commercial Bank Co Ltd SHSE:601825
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Shanghai Rural Commercial Bank Co OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

Shanghai Rural Commercial Bank Co's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=-11371.368/25296.318
=-44.95 %

Shanghai Rural Commercial Bank Co's OCF Margin for the quarter that ended in Mar. 2026 is calculated as

OCF Margin=Cash Flow from Operations (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=7281.519/6640.877
=109.65 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of 109.65% mean?
Shanghai Rural Commercial Bank Co (SHSE:601825) has a OCF Margin % of 109.65% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Shanghai Rural Commercial Bank Co and its competitors. This is 626% above median its historical median of 15.10. According to the industry distribution chart, Shanghai Rural Commercial Bank Co ranks #1367 out of 1498 companies in the Banks industry, placing it in the top 91.3%.
Is Shanghai Rural Commercial Bank Co's OCF Margin % too high?
Shanghai Rural Commercial Bank Co's current OCF Margin % of 109.65% is 626% above median its 10-year median of 15.10. The Banks industry median OCF Margin % is 29.00. Shanghai Rural Commercial Bank Co's value of 109.65% is 278.1% above this industry median. Based on the distribution chart, Shanghai Rural Commercial Bank Co ranks #1367 out of 1498 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Shanghai Rural Commercial Bank Co has a GF Score™ of 51/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Shanghai Rural Commercial Bank Co's OCF Margin % compare to competitors?
According to the Banks industry distribution chart, Shanghai Rural Commercial Bank Co ranks #1367 out of 1498 companies for OCF Margin %. This places Shanghai Rural Commercial Bank Co in the lower half of its industry. The industry median OCF Margin % is 29.00. Shanghai Rural Commercial Bank Co's value of 109.65% is 278.1% above this benchmark. While the company's 10-year median is 15.10 vs. the industry median of 29.00, Shanghai Rural Commercial Bank Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.00, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Shanghai Rural Commercial Bank Co's current OCF Margin % of 109.65% is 278.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Shanghai Rural Commercial Bank Co and its competitors. For the Banks industry, the median OCF Margin % is 29.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Shanghai Rural Commercial Bank Co's current OCF Margin % is 109.65%, which is 626% above median its own 10-year median of 15.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shanghai Rural Commercial Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Shanghai Rural Commercial Bank Co (SHSE:601825) is currently considered Fairly Valued. The stock's GF Value™ is ¥7.93, compared to a current price of ¥8.34 — trading 5.2% above its estimated fair value. The current OCF Margin % is 109.65%, which is 626% above median its 10-year median of 15.10 and 278.1% above the Banks industry median of 29.00. Shanghai Rural Commercial Bank Co's overall GF Score™ is 51/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Shanghai Rural Commercial Bank Co (SHSE:601825), the current OCF Margin % is 109.65% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Shanghai Rural Commercial Bank Co (SHSE:601825) Overvalued in 2026?

Based on GuruFocus' analysis, Shanghai Rural Commercial Bank Co stock appears to be overvalued. The current stock price of ¥8.34 is trading 5.2% above its estimated GF Value™ of ¥7.93. GuruFocus considers Shanghai Rural Commercial Bank Co to be Fairly Valued.

Key valuation signals for SHSE:601825:

  • OCF Margin %: 109.65% (626% above median its 10-year median of 15.10)
  • GF Value™: ¥7.93 vs. price of ¥8.34 (5.2% above fair value)
  • GF Score™: 51/100 with 4 warning signs
  • Industry Position: 278.1% above the Banks median (#1367 of 1498)

No single metric tells the full story. See the SHSE:601825 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Shanghai Rural Commercial Bank Co Business Description

Address No. 70, Zhongshan East 2nd Road, Huangpu District, Shanghai, CHN, 200002
Shanghai Rural Commercial Bank Co Ltd is engaged in the corporate banking, personal banking, and financial market business. The Corporate Banking Business segment serves corporate clients by offering deposits, lending, investment banking, settlement and cash management, bill services, and trade finance solutions. The Personal Banking Business segment caters to individual customers, providing services such as personal deposits, personal loans, bank card operations, settlement, agency services, and various other offerings. The Financial Market Business segment covers activities including money market dealings, repurchase agreements, bond investments, interest rate and precious metals derivatives transactions, and wealth management services.
51GF Score

Get the complete analysis for SHSE:601825

OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

¥8.34
Price
¥7.93
GF Value