Chongqing Rural Commercial Bank Co., Ltd. logo

Chongqing Rural Commercial Bank Co., Ltd.

3618.HK

HKSEFinancial ServicesBanks - Regional

Latest quote

HK$6.67

+HK$0.07 · +1.06%

Aug 24, 3:06 PM HKT

3618.HK company overview

Historical prices · Market data may be delayed.

Company profile

Company website

Chongqing Rural Commercial Bank Co., Ltd., along with its subsidiaries, delivers a comprehensive array of banking and financial offerings throughout the People's Republic of China. Its operations are structured into three main divisions: Corporate Banking, Personal Banking, and Financial Market Operations. The Corporate Banking division is dedicated to serving businesses, government entities, and financial institutions. It provides a variety of financial solutions, including the acceptance of deposits, corporate lending, trade finance facilities, financial leasing, and other corporate advisory services. For individual clients, the Personal Banking segment extends a wide range of financial products and services. These encompass deposit accounts, personal loans, card services, wealth management solutions, and various other personal intermediary offerings. Within its Financial Market Operations, the bank actively participates in money market and repurchase transactions. It also undertakes investments in debt instruments, both for its proprietary accounts and on behalf of its clientele. The institution further enhances its services with digital banking platforms, such as mobile banking, online banking, and telephone banking. As of December 31, 2021, Chongqing Rural Commercial Bank boasted an extensive branch network totaling 1,760 locations. This comprehensive network included its head office and business department, 7 branches, 35 first-tier sub-branches, 134 second-tier sub-branches, 2 community sub-branches, and 1,580 branch offices. Additionally, it maintained 145 24-hour self-service banking centers. Founded in 1951 and headquartered in Chongqing, China, the bank was initially known as Chongqing Rural Credit Union. It adopted its current corporate identity as Chongqing Rural Commercial Bank Co., Ltd. in 2008.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
CN
CEO
Xiaojun Liu
Listed since
Dec 16, 2010
Employees
14,266

Market position

Day range

Current HK$6.67

52-week range

Current HK$6.67

Open
HK$6.60
Previous close
HK$6.60
Volume
3.81M
0.42× average
Average volume
9.16M
Average daily volume
Market cap
75.75B HKD
Beta
0.12
Market reference 1
50-day average
HK$6.2956
+5.95% above average
200-day average
HK$6.3606
+4.87% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
6.52×
P/B (TTM)
0.59×
P/S (TTM)
2.03×
Dividend yield
4.56%

Profitability & efficiency

Gross margin
60.54%
Operating margin
36.16%
Net margin
31.35%

Financial health

Debt / equity
3.58×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends108%75%42%9%Gross margin, FY2021: 54.86%Gross margin, FY2022: 52.77%Gross margin, FY2023: 100.00%Gross margin, FY2024: 52.95%Gross margin, FY2025: 80.98%Operating margin, FY2021: 19.81%Operating margin, FY2022: 21.12%Operating margin, FY2023: 57.64%Operating margin, FY2024: 24.52%Operating margin, FY2025: 49.17%Net margin, FY2021: 16.91%Net margin, FY2022: 18.77%Net margin, FY2023: 49.52%Net margin, FY2024: 22.02%Net margin, FY2025: 43.50%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 54.86%. Gross margin FY2022 52.77%. Gross margin FY2023 100.00%. Gross margin FY2024 52.95%. Gross margin FY2025 80.98%. Operating margin FY2021 19.81%. Operating margin FY2022 21.12%. Operating margin FY2023 57.64%. Operating margin FY2024 24.52%. Operating margin FY2025 49.17%. Net margin FY2021 16.91%. Net margin FY2022 18.77%. Net margin FY2023 49.52%. Net margin FY2024 22.02%. Net margin FY2025 43.50%.

Income trends

Revenue

27.88B HKD-46.67%

Operating income

13.71B HKD+6.96%

Net income

12.13B HKD+5.35%
Income trends across reported periods61.23B HKD42.44B HKD23.65B HKD4.86B HKDRevenue, FY2021: 56.53B HKDRevenue, FY2022: 54.73B HKDRevenue, FY2023: 22.02B HKDRevenue, FY2024: 52.28B HKDRevenue, FY2025: 27.88B HKDOperating income, FY2021: 11.2B HKDOperating income, FY2022: 11.56B HKDOperating income, FY2023: 12.69B HKDOperating income, FY2024: 12.82B HKDOperating income, FY2025: 13.71B HKDNet income, FY2021: 9.56B HKDNet income, FY2022: 10.28B HKDNet income, FY2023: 10.9B HKDNet income, FY2024: 11.51B HKDNet income, FY2025: 12.13B HKDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 56.53B HKD. Revenue FY2022 54.73B HKD. Revenue FY2023 22.02B HKD. Revenue FY2024 52.28B HKD. Revenue FY2025 27.88B HKD. Operating income FY2021 11.2B HKD. Operating income FY2022 11.56B HKD. Operating income FY2023 12.69B HKD. Operating income FY2024 12.82B HKD. Operating income FY2025 13.71B HKD. Net income FY2021 9.56B HKD. Net income FY2022 10.28B HKD. Net income FY2023 10.9B HKD. Net income FY2024 11.51B HKD. Net income FY2025 12.13B HKD.
Metric (HKD)FY2025FY2024FY2023FY2022FY2021
Revenue27.88B HKD52.28B HKD22.02B HKD54.73B HKD56.53B HKD
Cost of goods sold5.3B HKD24.59B HKD25.85B HKD25.51B HKD
Gross profit22.58B HKD27.68B HKD22.02B HKD28.88B HKD31.01B HKD
Selling, general, and administrative5.49B HKD2.52B HKD9.33B HKD2.59B HKD2B HKD
Operating expenses14.61B HKD14.87B HKD9.33B HKD17.32B HKD19.81B HKD
Interest income46.47B HKD47.09B HKD49.89B HKD51.26B HKD51.75B HKD
Interest expense22.2B HKD24.59B HKD26.39B HKD25.85B HKD25.51B HKD
Depreciation and amortization884.57M HKD877.31M HKD856.66M HKD820.17M HKD850.89M HKD
Operating income13.71B HKD12.82B HKD12.69B HKD11.56B HKD11.2B HKD
Net income12.13B HKD11.51B HKD10.9B HKD10.28B HKD9.56B HKD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
64%
7 beats, 2 misses, 2 met estimates
Average EPS surprise
+3.68%
11 comparable reports
Latest EPS result
0.4
Estimate 0.4 · Met by 0.00%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.460.340.210.09Q4 '24MetQ1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26MetQ3 '26Estimate
Q4 2024, reported Oct 29, 2024: actual 0.25, estimate 0.25, surprise 0.00%, Met estimate. Q1 2025, reported Mar 26, 2025: actual 0.107, estimate 0.24, surprise -55.38%, Miss. Q2 2025, reported Apr 25, 2025: actual 0.354, estimate 0.3, surprise +17.85%, Beat. Q3 2025, reported Aug 25, 2025: actual 0.381, estimate 0.285, surprise +33.59%, Beat. Q4 2025, reported Oct 28, 2025: actual 0.273, estimate 0.252, surprise +8.67%, Beat. Q1 2026, reported Mar 25, 2026: actual 0.156, estimate 0.145, surprise +7.67%, Beat. Q2 2026, reported Apr 28, 2026: actual 0.398, estimate 0.398, surprise 0.00%, Met estimate. Q3 2026, reported Aug 28, 2026: actual —, estimate 0.421, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates15.45B11.7B7.95B4.2BQ4 '24No estimateQ1 '25No estimateQ2 '25BeatQ3 '25No estimateQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26Estimate
Q4 2024, reported Oct 29, 2024: actual 6.03B HKD, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Mar 26, 2025: actual 4.94B HKD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported Apr 25, 2025: actual 7.75B HKD, estimate 7.22B HKD, surprise +7.21%, Beat. Q3 2025, reported Aug 25, 2025: actual 7.45B HKD, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Oct 28, 2025: actual 7.57B HKD, estimate 13.67B HKD, surprise -44.63%, Miss. Q1 2026, reported Mar 25, 2026: actual 7.78B HKD, estimate 7.63B HKD, surprise +1.93%, Beat. Q2 2026, reported Apr 28, 2026: actual 8.9B HKD, estimate 14.68B HKD, surprise -39.37%, Miss. Q3 2026, reported Aug 28, 2026: actual —, estimate 9.31B HKD, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

HK$0.1197

2025 complete year-55.4% since 2021

2026 partial: HK$0.3604

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Jun 8, 2026

HK$0.1362

Semi-Annual

Record Jun 9, 2026 · Payment Jul 27, 2026

Dividend

Ex-dividend Jan 8, 2026

HK$0.2242

Semi-Annual

Dividend

Ex-dividend May 23, 2025

HK$0.1197

Semi-Annual

Record May 26, 2025 · Payment Jun 27, 2025

Dividend

Ex-dividend Dec 18, 2024

HK$0.2103

Semi-Annual

Record Dec 19, 2024 · Payment Jan 23, 2025

Dividend

Ex-dividend May 30, 2024

HK$0.3168

Annual

Record May 31, 2024 · Payment Jun 28, 2024

Dividend

Ex-dividend May 30, 2023

HK$0.3018

Annual

Record May 31, 2023 · Payment Jun 29, 2023

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