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Jinshang Bank Co., Ltd. logo

Jinshang Bank Co., Ltd.

2558.HK

HKSEFinancial ServicesBanks - Regional

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Latest quote

HK$1.11

−HK$0.08 · -6.72%

Aug 20, 11:36 AM HKT

2558.HK company overview

Historical prices · Market data may be delayed.

Company profile

Company website

Jinshang Bank Co., Ltd. is a commercial banking institution operating within China's Shanxi Province. Its operations are broadly divided into three main areas: Corporate Banking, Retail Banking, and Treasury Business. The Corporate Banking division delivers a comprehensive suite of services to businesses, government entities, and financial organizations, encompassing deposit accounts, corporate lending, trade finance, agency services, wealth management, consulting, remittance, settlement, and guarantees. For individual clients, the Retail Banking segment offers personal loan products, various deposit options, tailored personal wealth management, and remittance services. Furthermore, the bank engages in extensive Treasury Business activities, including participation in inter-bank money markets, repurchase agreements, diverse investment strategies (particularly in bonds), bond trading, and the issuance of debt. The company also manages investments, focusing on debt securities, their distribution, and underwriting debt financing instruments. Additionally, it utilizes special purpose vehicles to invest in a range of financial products, such as trust plans, asset management schemes, wealth management offerings, and investment funds. Originally established in 1998 as Taiyuan City Commercial Bank Co., Ltd., the company rebranded to Jinshang Bank Co., Ltd. in December 2008 and is headquartered in Taiyuan, China.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
CN
CEO
Qiang Hao
Listed since
Jul 18, 2019
Employees
4,412

Market position

52-week range

Current HK$1.11

Open
HK$1.11
Previous close
HK$1.19
Volume
1K
0.3× average
Average volume
3.39K
Average daily volume
Market cap
6.48B HKD
Beta
0.56
Market reference 1
50-day average
HK$1.1694
-5.08% below average
200-day average
HK$1.3073
-15.09% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
30.98B CNY
P/E (TTM)
3.41×
P/B (TTM)
0.21×
P/S (TTM)
0.65×
EV / EBITDA
16.04×
Earnings yield
21.94%
Free cash flow yield
23.49%
Dividend yield
5.18%

Profitability & efficiency

Gross margin
47.78%
Operating margin
20.04%
Net margin
19.10%
Return on equity
5.99%
Return on assets
0.41%
Return on invested capital
0.41%

Financial health

Debt / equity
1.59×
Current ratio
1.19×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends158%105%53%-0%Gross margin, FY2021: 100.00%Gross margin, FY2022: 100.00%Gross margin, FY2023: 100.00%Gross margin, FY2024: 144.96%Gross margin, FY2025: 30.99%Operating margin, FY2021: 46.87%Operating margin, FY2022: 47.78%Operating margin, FY2023: 48.30%Operating margin, FY2024: 46.36%Operating margin, FY2025: 13.33%Net margin, FY2021: 45.10%Net margin, FY2022: 45.71%Net margin, FY2023: 45.83%Net margin, FY2024: 42.64%Net margin, FY2025: 13.17%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 100.00%. Gross margin FY2022 100.00%. Gross margin FY2023 100.00%. Gross margin FY2024 144.96%. Gross margin FY2025 30.99%. Operating margin FY2021 46.87%. Operating margin FY2022 47.78%. Operating margin FY2023 48.30%. Operating margin FY2024 46.36%. Operating margin FY2025 13.33%. Net margin FY2021 45.10%. Net margin FY2022 45.71%. Net margin FY2023 45.83%. Net margin FY2024 42.64%. Net margin FY2025 13.17%.

Income trends

Revenue

12.32B CNY+199.20%

Operating income

1.64B CNY-13.95%

Net income

1.62B CNY-7.57%
Income trends across reported periods13.39B CNY9.11B CNY4.83B CNY552.85M CNYRevenue, FY2021: 3.74B CNYRevenue, FY2022: 4.02B CNYRevenue, FY2023: 4.37B CNYRevenue, FY2024: 4.12B CNYRevenue, FY2025: 12.32B CNYOperating income, FY2021: 1.75B CNYOperating income, FY2022: 1.92B CNYOperating income, FY2023: 2.11B CNYOperating income, FY2024: 1.91B CNYOperating income, FY2025: 1.64B CNYNet income, FY2021: 1.69B CNYNet income, FY2022: 1.84B CNYNet income, FY2023: 2B CNYNet income, FY2024: 1.76B CNYNet income, FY2025: 1.62B CNYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 3.74B CNY. Revenue FY2022 4.02B CNY. Revenue FY2023 4.37B CNY. Revenue FY2024 4.12B CNY. Revenue FY2025 12.32B CNY. Operating income FY2021 1.75B CNY. Operating income FY2022 1.92B CNY. Operating income FY2023 2.11B CNY. Operating income FY2024 1.91B CNY. Operating income FY2025 1.64B CNY. Net income FY2021 1.69B CNY. Net income FY2022 1.84B CNY. Net income FY2023 2B CNY. Net income FY2024 1.76B CNY. Net income FY2025 1.62B CNY.
Metric (CNY)FY2025FY2024FY2023FY2022FY2021
Revenue12.32B CNY4.12B CNY4.37B CNY4.02B CNY3.74B CNY
Cost of goods sold8.5B CNY7.52B CNY7.38B CNY7.14B CNY6.8B CNY
Gross profit3.82B CNY5.97B CNY4.37B CNY4.02B CNY3.74B CNY
Selling, general, and administrative1.38B CNY2.21B CNY464.32M CNY406.38M CNY320.53M CNY
Operating expenses2.19B CNY4.15B CNY2.26B CNY3.04B CNY3.53B CNY
Interest income10.5B CNY11.71B CNY11.61B CNY10.73B CNY10.36B CNY
Interest expense6.73B CNY7.52B CNY7.38B CNY7.14B CNY6.82B CNY
Depreciation and amortization305.64M CNY314.39M CNY320.18M CNY324.34M CNY320.43M CNY
Operating income1.64B CNY1.91B CNY2.11B CNY1.92B CNY1.75B CNY
Net income1.62B CNY1.76B CNY2B CNY1.84B CNY1.69B CNY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
0.2

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates0.240.20.150.11Q3 '22Q3 '23Q4 '24Q1 '25Q2 '25
Q3 2022, reported Aug 26, 2022: actual 0.195, estimate —, surprise —, Comparison unavailable. Q3 2023, reported Aug 29, 2023: actual 0.16, estimate —, surprise —, Comparison unavailable. Q4 2024, reported Nov 1, 2024: actual 0.189, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 27, 2025: actual 0.131, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Jun 20, 2025: actual 0.197, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates2.59B2.39B2.2B2BQ3 '22Q3 '23Q4 '24Q1 '25Q2 '25
Q3 2022, reported Aug 26, 2022: actual 2.15B HKD, estimate —, surprise —, Comparison unavailable. Q3 2023, reported Aug 29, 2023: actual 2.49B HKD, estimate —, surprise —, Comparison unavailable. Q4 2024, reported Nov 1, 2024: actual 2.1B HKD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 27, 2025: actual 2.3B HKD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Jun 20, 2025: actual 2.15B HKD, estimate —, surprise —, Comparison unavailable.

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