Zhongyuan Bank Co., Ltd. logo

Zhongyuan Bank Co., Ltd.

1216.HK

HKSEFinancial ServicesBanks - Regional

Latest quote

HK$0.29

+HK$0.005 · +1.75%

Aug 25, 3:49 PM HKT

1216.HK company overview

Regular session · HKT · Market data may be delayed.

Company profile

Company website

Zhongyuan Bank Co., Ltd., established in 2014 and headquartered in Zhengzhou, People's Republic of China, delivers a broad spectrum of financial services to clients across the Asia Pacific region, North America, and globally. Its offerings encompass both corporate and individual banking solutions, including deposit accounts, lending and credit facilities, payment processing, capital market operations, and leasing arrangements. The bank's operations are divided into Corporate Banking, Retail Banking, Financial Markets Business, and other segments. The Corporate Banking division provides comprehensive services such as business loans, trade finance, deposit management, agency functions, consulting, advisory support, remittance, settlement, and guarantee services for corporations, government bodies, and financial institutions. Conversely, the Retail Banking segment caters to individual customers with products like personal loans, savings accounts, bank cards, tailored wealth management services, and money transfer facilities. The Financial Markets Business concentrates on interbank money market activities, repurchase agreements, investment strategies, debt issuance, and the trading of debt securities. As of December 31, 2021, Zhongyuan Bank boasted an extensive physical network, including 18 main branches, 2 direct sub-branches, and a total of 474 service points. These outlets were strategically distributed with 277 urban, 125 county-level, and 72 township-level sub-branches.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
CN
CEO
Hao Guo
Listed since
Jul 20, 2017
Employees
18,094

Market position

Day range

Current HK$0.29

52-week range

Current HK$0.29

Open
HK$0.29
Previous close
HK$0.285
Volume
813K
0.88× average
Average volume
926.3K
Average daily volume
Market cap
10.6B HKD
Beta
-0.02
Market reference 1
50-day average
HK$0.2842
+2.04% above average
200-day average
HK$0.3141
-7.67% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
283.75B CNY
P/E (TTM)
3.11×
P/B (TTM)
0.11×
P/S (TTM)
0.31×
EV / EBITDA
79.65×
Earnings yield
33.80%
Free cash flow yield
95.37%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
44.89%
Operating margin
7.54%
Net margin
12.08%
Return on equity
4.20%
Return on assets
0.25%
Return on invested capital
0.16%

Financial health

Debt / equity
3.99×
Current ratio
0.36×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends109%72%34%-4%Gross margin, FY2021: 100.00%Gross margin, FY2022: 100.00%Gross margin, FY2023: 100.00%Gross margin, FY2024: 100.00%Gross margin, FY2025: 23.73%Operating margin, FY2021: 40.81%Operating margin, FY2022: 31.06%Operating margin, FY2023: 23.23%Operating margin, FY2024: 44.40%Operating margin, FY2025: 5.66%Net margin, FY2021: 30.62%Net margin, FY2022: 19.70%Net margin, FY2023: 23.64%Net margin, FY2024: 18.38%Net margin, FY2025: 8.90%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 100.00%. Gross margin FY2022 100.00%. Gross margin FY2023 100.00%. Gross margin FY2024 100.00%. Gross margin FY2025 23.73%. Operating margin FY2021 40.81%. Operating margin FY2022 31.06%. Operating margin FY2023 23.23%. Operating margin FY2024 44.40%. Operating margin FY2025 5.66%. Net margin FY2021 30.62%. Net margin FY2022 19.70%. Net margin FY2023 23.64%. Net margin FY2024 18.38%. Net margin FY2025 8.90%.

Income trends

Revenue

39.28B CNY+109.44%

Operating income

2.22B CNY-73.30%

Net income

3.5B CNY+1.45%
Income trends across reported periods42.98B CNY28.16B CNY13.34B CNY−1.48B CNYRevenue, FY2021: 11.64B CNYRevenue, FY2022: 14.42B CNYRevenue, FY2023: 13.62B CNYRevenue, FY2024: 18.75B CNYRevenue, FY2025: 39.28B CNYOperating income, FY2021: 4.75B CNYOperating income, FY2022: 4.48B CNYOperating income, FY2023: 3.17B CNYOperating income, FY2024: 8.33B CNYOperating income, FY2025: 2.22B CNYNet income, FY2021: 3.57B CNYNet income, FY2022: 2.84B CNYNet income, FY2023: 3.22B CNYNet income, FY2024: 3.45B CNYNet income, FY2025: 3.5B CNYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 11.64B CNY. Revenue FY2022 14.42B CNY. Revenue FY2023 13.62B CNY. Revenue FY2024 18.75B CNY. Revenue FY2025 39.28B CNY. Operating income FY2021 4.75B CNY. Operating income FY2022 4.48B CNY. Operating income FY2023 3.17B CNY. Operating income FY2024 8.33B CNY. Operating income FY2025 2.22B CNY. Net income FY2021 3.57B CNY. Net income FY2022 2.84B CNY. Net income FY2023 3.22B CNY. Net income FY2024 3.45B CNY. Net income FY2025 3.5B CNY.
Metric (CNY)FY2025FY2024FY2023FY2022FY2021
Revenue39.28B CNY18.75B CNY13.62B CNY14.42B CNY11.64B CNY
Cost of goods sold29.96B CNY26.52B CNY28.48B CNY22.4B CNY15.22B CNY
Gross profit9.32B CNY18.75B CNY13.62B CNY14.42B CNY11.64B CNY
Selling, general, and administrative6.55B CNY10.05B CNY10.46B CNY674.17M CNY1.62B CNY
Operating expenses7.09B CNY10.43B CNY10.46B CNY18.95B CNY13.16B CNY
Interest income44.21B CNY48.04B CNY50.71B CNY43.61B CNY31.87B CNY
Interest expense22.29B CNY26.52B CNY28.48B CNY22.4B CNY15.22B CNY
Depreciation and amortization1.33B CNY1.52B CNY1.7B CNY1.43B CNY980.31M CNY
Operating income2.22B CNY8.33B CNY3.17B CNY4.48B CNY4.75B CNY
Net income3.5B CNY3.45B CNY3.22B CNY2.84B CNY3.57B CNY

Company facts updated Aug 25, 2026.

Earnings

Latest EPS result
0.01

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates0.090.060.030.01Q3 '22Q1 '23Q3 '23Q1 '24Q3 '24Q1 '25
Q3 2022, reported Aug 30, 2022: actual 0.05, estimate —, surprise —, Comparison unavailable. Q1 2023, reported Mar 31, 2023: actual 0.028, estimate —, surprise —, Comparison unavailable. Q3 2023, reported Aug 30, 2023: actual 0.027, estimate —, surprise —, Comparison unavailable. Q1 2024, reported Mar 28, 2024: actual 0.008, estimate —, surprise —, Comparison unavailable. Q3 2024, reported Aug 29, 2024: actual 0.028, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 28, 2025: actual 0.013, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates6.29B5.15B4.02B2.88BQ3 '22Q1 '23Q3 '23Q1 '24Q3 '24Q1 '25
Q3 2022, reported Aug 30, 2022: actual 3.12B HKD, estimate —, surprise —, Comparison unavailable. Q1 2023, reported Mar 31, 2023: actual 6.05B HKD, estimate —, surprise —, Comparison unavailable. Q3 2023, reported Aug 30, 2023: actual 3.54B HKD, estimate —, surprise —, Comparison unavailable. Q1 2024, reported Mar 28, 2024: actual 3.92B HKD, estimate —, surprise —, Comparison unavailable. Q3 2024, reported Aug 29, 2024: actual 3.17B HKD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 28, 2025: actual 3.82B HKD, estimate —, surprise —, Comparison unavailable.

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