SHE/002839 (SHE/002839)

Shenzhen Stock Exchange: SHE/002839 · CNY

CN¥4.36

-0.02 (-0.5%)· Recorded snapshot

Market cap	10.7B
Revenue (ttm)	4B
Net income (ttm)	2B
EPS (ttm)	CN¥0.78
Shares out	2.4B
P/E (trailing)	5.6x
P/E (forward)	5.3x
Dividend	CN¥0.24 (5.50%)
Volume	30,267,721
Beta	0.14

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 4B
Net income (ttm): 2B
EPS (ttm): CN¥0.78
P/E (trailing): 5.6x
P/E (forward): 5.3x
Market cap: 10.7B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E5.3

P25 n/aP50 n/aP75 n/a

Trailing P/E5.6

P25 n/aP50 n/aP75 n/a

ROE10.1

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All SHE/002839 indicators

Market & fundamental data

Available fields

203

Groups with data

Currency

CNY

Showing 203 of 203 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	CNY
Country	China
Country code	CN
Earnings date	2026-10-30
Employees	2,249
Employees change	-147
Employees growth	-6.14%
Exchange	Shenzhen Stock Exchange
Financial currency	CNY
Financial report date	2026-06-30
First seen	2026-05-10
Fiscal year end	December
Founded	2001
Industry	Banks - Regional
Is primary listing	Yes
ISIN number	CNE100002K54
Last earnings date	2026-08-28
Last refreshed	2026-10-28
Last stock split date	2022-05-05
Last stock split type	Forward
Market cap	CNY 10.7B
Next earnings date	2026-10-30
Price	CNY 4.36
Price currency	CNY
Sector	Financials
SIC code	6020
Stock price date	2026-10-28
Symbol	she/002839
Website	https://www.zrcbank.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	12.18x
Average P/E ratio (3Y)	5.33x
Average P/E ratio (5Y)	6.04x
Earnings yield	17.9%
FCF yield	56.75%
Forward P/E	5.25x
Graham number	11.75644
Graham upside	169.64%
Industry forward P/E	6.21x
Industry P/E	6.51x
Lynch fair value	CNY 9.90
Lynch upside	127.17%
P/B ratio	0.55x
P/E ratio	5.59x
P/FCF ratio	1.76x
P/OCF ratio	1.75x
P/S ratio	2.68x
Price / tangible book value	0.56x
Sector forward P/E	6.49x
Sector P/E	7.31x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	13.44%
FCF margin	152.01%
Operating margin	58.53%
Pretax margin	58.21%
Profit margin	50.42%
Profit per employee	CNY 891,914
Profitable quarters	44
Profitable years	21
Revenue per employee	CNY 1.8M
ROA	0.87%
ROA (5Y)	0.9%
ROE	10.14%
ROE (5Y)	10.47%
Tax / revenue	7.83%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	-0.76%
EPS growth (Q)	1.47%
EPS growth (QoQ)	-37.65%
EPS growth 10Y	7.6%
EPS growth 3Y	3%
EPS growth 5Y	11.57%
EPS growth years	0
FCF growth 3Y	-3.78%
FCF growth 5Y	122.9%
Net income growth	4.1%
Net income growth (Q)	2.97%
Net income growth (QoQ)	-22.76%
Net income growth 3Y	5.88%
Net income growth 5Y	12.69%
Net income growth quarters	10
Net income growth years	10
OCF growth 3Y	-4.69%
OCF growth 5Y	72.48%
Revenue growth	4.67%
Revenue growth (Q)	7.47%
Revenue growth (QoQ)	-12.31%
Revenue growth 10Y	8.94%
Revenue growth 3Y	3.44%
Revenue growth 5Y	9.66%
Revenue growth years	0

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	CNY -53.8M
EPS	CNY 0.78
FCF per share	CNY 2.47
Financing cash flow	CNY -7.1B
Free cash flow	CNY 6B
Gross profit	CNY 4B
Income taxes	CNY 311.4M
Investing cash flow	CNY -1.3B
Net borrowing	CNY -6.2B
Net cash flow	CNY -2.3B
Net income	CNY 2B
Operating income	CNY 2.3B
Revenue	CNY 4B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	CNY 7.87
Debt / equity	1.23
Debt / FCF	3.92
Net cash (debt)	CNY -5.8B
Net cash / market cap	-54.44%
Net debt / equity	0.3
Net debt / FCF	0.96
Piotroski F-Score	4
Property, plant and equipment	CNY 910.1M
Shareholders' equity	CNY 19.3B
Tangible book value	CNY 19.2B
Tangible book value per share	CNY 7.84
Total assets	CNY 237.1B
Total cash	CNY 17.9B
Total debt	CNY 23.7B
Total liabilities	CNY 217.8B
WACC	1.55%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	CNY -184.2B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-4.9%
Dividend growth	10%
Dividend growth (3Y)	3.23%
Dividend growth (5Y)	10.53%
Dividend growth years	1
Dividend payment date	2026-05-21
Dividend payment years	10
Dividend payout frequency	Semi-Annual
Dividend per share	CNY 0.24
Dividend yield	5.51%
Ex-dividend date	2026-05-21
FCF payout ratio	8.89%
Last dividend	CNY 0.12
Payout ratio	40.77%
Shareholder yield	0.61%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	CNY 4.36
1D price change	-0.46%
1M price change	2.35%
1M total return	2.35%
1Y price change	-4.19%
1Y return CAGR	-1.49%
1Y total return	-1.49%
20-day SMA	CNY 4.32
200-day SMA	CNY 4.41
3M price change	-0.23%
3M total return	-0.23%
3Y price change	2.35%
3Y return CAGR	5.78%
3Y total return	18.35%
50-day SMA	CNY 4.34
50-day SMA vs 200-day SMA	50under200
52-week high	CNY 4.90
52-week high date	2025-12-03
52-week low	CNY 3.87
52-week low date	2026-06-30
5Y price change	-15.53%
5Y return CAGR	0.97%
5Y total return	4.95%
6M price change	-6.25%
6M total return	-3.62%
All-time high	CNY 25.43
All-time high date	2017-04-05
All-time low	CNY 3.56
All-time low date	2024-09-18
Average true range (ATR)	CNY 0.08
Average volume	29M
Beta (1Y)	-0.02
Beta (2Y)	0.08
Beta (5Y)	0.14
Change from 52-week high	-11.02%
Change from 52-week low	12.66%
Change from all-time high	-82.89%
Change from all-time low	22.19%
Change from open	0.93%
Day's gap	-1.37%
Dollar volume	CNY 132M
High price	CNY 4.40
Low price	CNY 4.32
Monthly RSI	49.4
Open price	CNY 4.32
Position in 52-week range	50%
Previous close	CNY 4.38
Price vs 150-day SMA	-0.11%
Price vs 20-day SMA	0.79%
Price vs 200-day SMA	-1.29%
Price vs 50-day SMA	0.25%
Relative volume	1.04
RSI	51.35
Sharpe ratio	0.08
Sharpe ratio (3Y)	0.14
Sharpe ratio (5Y)	0.04
Sortino ratio	0.39
Sortino ratio (3Y)	0.48
Sortino ratio (5Y)	0.31
Volume	30.3M
Weekly RSI	49.9
YTD price change	-4.81%
YTD total return	-2.14%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	1.7B
Shares change (QoQ)	23.88%
Shares change (YoY)	4.9%
Shares held by insiders	0.06%
Shares held by institutions	17.86%
Shares outstanding	2.4B

Deeper analysis on SHE/002839

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this SHE/002839 report

Is a complete SHE/002839 research report available?

No complete published report is available for she/002839 (SHE/002839) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

SHE/002839 (SHE/002839)

Price

Financial snapshot

Fair-value bridge

Latest news · SHE/002839

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All SHE/002839 indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on SHE/002839

Frequently asked questions