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Postal Savings Bank of China Co., Ltd. (601658.SS)
Beijing, CN
Postal Savings Bank of China Co., Ltd. (PSBC), along with its affiliated entities, operates as a comprehensive financial institution, delivering a wide range of banking products and services to both individual (retail) and business (corporate) clients across the People's Republic of China. Its Personal Banking division offers a diverse suite of financial solutions, encompassing various savings options such as current, fixed, personal call, and foreign currency deposits, as well as passbooks and certificates of deposit. This segment also provides micro, personal pledged, and personal business loans; issues debit and credit cards; distributes wealth management products, funds, electronic bonds, and precious metals; and offers insurance agency services. Furthermore, it facilitates payment and collection services, handles various settlements, processes domestic and cross-border remittances, manages personal foreign exchange settlements and sales, and conducts foreign currency exchanges. The Corporate Banking segment caters to businesses with time, demand, call, and negotiated deposit accounts. It extends a variety of lending products, including working capital, fixed asset, trade finance, stock pledge, land reserve, syndicated, real estate development, property mortgage, and consignment loans. Additional services include cash management, negotiable instruments, trade finance, international settlement, and financial markets support. PSBC's Treasury operations engage in interbank lending, repurchase and resale agreements, investments in debt and equity instruments, investment banking activities, and the management of bond securities and wealth management products. This segment is also actively involved in trading a broad spectrum of financial instruments, including those in the money market, fixed income, and foreign exchange sectors, as well as derivatives and precious metals. In addition to its segmented offerings, the bank provides modern digital solutions through its online, mobile, and self-service banking platforms. By December 31, 2021, PSBC commanded an extensive network of 39,603 outlets, comprising 7,828 directly managed branches and 31,775 agency locations. Established in 2007, the company maintains its principal office in Beijing, People's Republic of China, and operates as a subsidiary of China Post Group Corporation.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.40% | -0.40% | +0.60% | -1.57% | -14.31% | -7.71% | -4.19% | -4.01% | -5.81% | -10.34% | -10.34% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+0.7% Q1'26: +84.9% (vs Q1'25)
-
EPS growth-9.9% Q1'26: -16.0% (vs Q1'25)
-
FCF margin— Q1'26: +22.9% (vs Q1'25)
-
EBIT margin— Q1'26: +19.0% (vs Q1'25)
-
ROIC— Q1'26: +15.3% (vs Q1'25)
-
Share dilution+20.7% Q1'26: +21.1% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 9.03× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 6 Rev. Ana. 10 EPS Ana. |
Dec 2027 11 Rev. Ana. 5 EPS Ana. |
Dec 2028 4 Rev. Ana. 7 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
172.70B
est: 186.42B (-7.4%)
|
198.13B
est: 218.87B (-9.5%)
|
205.15B
est: 264.95B (-22.6%)
|
221.73B
est: 278.38B (-20.3%)
|
236.14B
est: 289.04B (-18.3%)
|
272.47B
est: 316.63B (-13.9%)
|
300.06B
est: 335.39B (-10.5%)
|
316.75B
est: 342.00B (-7.4%)
|
320.71B
est: 346.50B (-7.4%)
|
322.81B
est: 352.40B (-8.4%)
|
369.83B
364.69B – 375.57B
+4.9% YoY
|
390.02B
353.70B – 419.41B
+5.5% YoY
|
413.39B
390.76B – 432.56B
+6.0% YoY
|
| EBITDA |
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
— – —
|
—
— – —
|
—
— – —
|
| EBIT |
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
|
—
— – —
|
—
— – —
|
—
— – —
|
| Net Income |
39.80B
est: 49.01B (-18.8%)
|
47.68B
est: 56.61B (-15.8%)
|
52.31B
est: 65.53B (-20.2%)
|
60.93B
est: 69.89B (-12.8%)
|
64.20B
est: 67.93B (-5.5%)
|
76.17B
est: 77.64B (-1.9%)
|
85.22B
est: 84.29B (+1.1%)
|
86.27B
est: 85.79B (+0.6%)
|
86.48B
est: 101.57B (-14.9%)
|
87.40B
est: 86.77B (+0.7%)
|
84.74B
78.71B – 89.85B
-2.3% YoY
|
87.55B
81.32B – 92.83B
+3.3% YoY
|
91.35B
84.85B – 96.86B
+4.3% YoY
|
| SGA |
41.33B
est: 45.68B (-9.5%)
|
46.42B
est: 53.64B (-13.5%)
|
147.22B
est: 64.93B (+126.7%)
|
57.30B
est: 68.22B (-16.0%)
|
59.43B
est: 70.83B (-16.1%)
|
68.30B
est: 77.59B (-12.0%)
|
74.21B
est: 82.19B (-9.7%)
|
76.15B
est: 83.81B (-9.1%)
|
75.43B
est: 114.89B (-34.3%)
|
220.90B
est: 116.85B (+89.0%)
|
122.63B
120.92B – 124.53B
+4.9% YoY
|
129.32B
117.28B – 139.06B
+5.5% YoY
|
137.07B
129.57B – 143.42B
+6.0% YoY
|
| EPS |
0.55
est: 0.49 (+11.3%)
|
0.59
est: 0.57 (+3.4%)
|
0.62
est: 0.66 (-6.2%)
|
0.72
est: 0.70 (+2.2%)
|
0.71
est: 0.69 (+3.6%)
|
0.77
est: 0.78 (-1.7%)
|
0.85
est: 0.85 (+0.0%)
|
0.83
est: 0.87 (-4.1%)
|
0.81
est: 0.85 (-4.5%)
|
0.73
est: 0.72 (+0.7%)
|
0.71
0.66 – 0.75
-2.3% YoY
|
0.73
0.68 – 0.78
+3.3% YoY
|
0.76
0.71 – 0.81
+4.3% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-11 | A- | 4/5 | 5/5 | 3/5 | 2/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-08 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-07 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-05-06 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-30 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-29 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-28 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-27 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-24 | A- | 4/5 | 5/5 | 3/5 | 3/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-23 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-22 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-21 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-20 | A | 4/5 | 5/5 | 3/5 | 4/5 | 2/5 | 4/5 | 4/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 3/5 | 4/5 | 1/5 | 4/5 | 4/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | VanEck - FTSE China A50 ETF CETF.AX | 0.78% | 198.7K | 0.60% |
| 2 | Kodex FTSE China A50 169950.KS | 0.72% | 110.3K | 0.12% |
| 3 | HSBC MSCI China A UCITS ETF HMCT.L | 0.41% | 547.7K | 0.30% |
| 4 | Amundi MSCI China A UCITS ETF Acc CNAA.L | 0.30% | 427.6K | 0.35% |
| 5 | iShares MSCI China A ETF CNYA | 0.30% | 695.9K | 0.60% |
| 6 | iShares MSCI China A UCITS ETF CNYE.MI | 0.30% | 302.3K | 0.45% |
| 7 | iShares MSCI China A UCITS ETF CNYA.L | 0.30% | 9.16M | 0.40% |
| 8 | Xtrackers MSCI China A UCITS ETF 1C XX2D.L | 0.29% | 391.3K | 0.35% |
| 9 | Xtrackers Harvest CSI 300 China A-Shares ETF ASHR | 0.21% | 2.88M | 0.65% |
| 10 | Xtrackers Harvest CSI300 UCITS ETF 1D ASHR.L | 0.21% | 646.0K | 0.65% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Shidong Liang | Chief Retail Banking Officer | 1M | male |
| Hong Yao | Vice President, Chief Risk Officer & Executive Director | 854.2K | female |
| Xueming Xu | Vice President | 853.2K | male |
| Chunye Du | Vice President, Secretary to the Board & Joint Company Secretary | 838.4K | male |
| Xinzhuang Niu | Vice President & Chief Information Officer | 816.9K | male |
| Ping Deng | GM of Finance and Accounting Department | — | male |
| Lina Liu | Vice-General Manager of Wealth Management | — | — |
| Wei Lu | President & Executive Director | — | male |
| Fang Wang | Accounting Supervisor | — | — |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for 601658.SS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
