SHH · 601658.SS

Postal Savings Bank of China Co., Ltd.

Financial Services · Banks - Regional

CN¥5.46▲ 0.92% (CN¥0.05)at close

As of 3:00 AM ET

52-week

CN¥4.76CN¥6.13

Market cap

CN¥547.30B

Valuation

P/E Valuation

Estimated value / share · Base

CN¥4.99

−9%

−9%vs price used CN¥5.46

CNY · Trailing earnings · Price Sep 30, 7:00 AM UTC

Price vs. estimate range

Assumption scenarios, not confidence intervals

P/E multiple: 6.2×
Earnings basis: Trailing EPS

CNY · Trailing earnings · Price Sep 30, 7:00 AM UTC

P/E scenarios apply a multiple to trailing EPS. They are not editable; choose Bear, Base or Bull above.

Current P/E

6.8×

Market multiple

Fair-value P/E

6.2×

5-Year Avg P/E

Fair value / share

CN¥4.99

P/E based estimate

Price vs Fundamentals

Why The Stock Is Moving

Mixed / unclearLow confidence

1Y Price: -5.04%Income (TTM): 2.46%P/E: 68th pct

What changed

The stock fell 5.04% over the last year. Income grew 2.46% over the trailing twelve months. Operating margin moved from 76.26% to 5.4%.

What the market seems to be pricing

The stock has moved lower against modestly weakening underlying metrics. The operating data does not yet tell a clear story — the move may reflect sentiment, sector rotation, or macro factors rather than company-specific earnings power.

What would invalidate this read

Operating margin currently stands at 5.4%. A decisive move in income — currently up 2.46% — would be the clearest signal to resolve the ambiguity.

Return analysis

Company profile

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.

CEOXinzhuang Niu

SectorFinancial Services

IndustryBanks - Regional

Employees196,779

IPO dateDec 10, 2019

https://www.psbc.com

Market multiples

Forward P/E—

EV/EBITDA (FY2025 year-end)0.00

Enterprise value (FY2025 year-end)$262.64B

Price / Book (Jun 2026 quarter-end)0.52

Stock splits

No stock splits recorded for this ticker.

Profitability & growth

Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.

Income growth (Q2 FY26 YoY)-1.38%

Gross margin (TTM)N/A

Operating margin (FY2025)31.57%▼44.9ppvs FY2024

ROE (TTM to Jun 2026)8.21%▼0.4ppvs FY2025

Analyst consensus

Rating—

Target price—

Analyst ratings tend to be lagging indicators. Use as one signal among many.

Earnings

Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.

Next report

Oct 31, 2026

Q3 FY26 · EPS est CN¥0.22 · Revenue est CN¥93.93B

View

SHH · 601658.SS

Postal Savings Bank of China Co., Ltd.

Financial Services · Banks - Regional

CN¥5.46▲ 0.92% (CN¥0.05)at close

As of 3:00 AM ET

52-week

CN¥4.76CN¥6.13

Market cap

CN¥547.30B

Valuation

P/E Valuation

Estimated value / share · Base

CN¥4.99

−9%

−9%vs price used CN¥5.46

CNY · Trailing earnings · Price Sep 30, 7:00 AM UTC

Price vs. estimate range

Assumption scenarios, not confidence intervals

P/E multiple: 6.2×
Earnings basis: Trailing EPS

CNY · Trailing earnings · Price Sep 30, 7:00 AM UTC

P/E scenarios apply a multiple to trailing EPS. They are not editable; choose Bear, Base or Bull above.

Current P/E

6.8×

Market multiple

Fair-value P/E

6.2×

5-Year Avg P/E

Fair value / share

CN¥4.99

P/E based estimate

Price vs Fundamentals

Why The Stock Is Moving

Mixed / unclearLow confidence

1Y Price: -5.04%Income (TTM): 2.46%P/E: 68th pct

What changed

The stock fell 5.04% over the last year. Income grew 2.46% over the trailing twelve months. Operating margin moved from 76.26% to 5.4%.

What the market seems to be pricing

What would invalidate this read

Operating margin currently stands at 5.4%. A decisive move in income — currently up 2.46% — would be the clearest signal to resolve the ambiguity.

Return analysis

Company profile

CEOXinzhuang Niu

SectorFinancial Services

IndustryBanks - Regional

Employees196,779

IPO dateDec 10, 2019

https://www.psbc.com

Market multiples

Forward P/E—

EV/EBITDA (FY2025 year-end)0.00

Enterprise value (FY2025 year-end)$262.64B

Price / Book (Jun 2026 quarter-end)0.52

Stock splits

No stock splits recorded for this ticker.

Profitability & growth

Income growth (Q2 FY26 YoY)-1.38%

Gross margin (TTM)N/A

Operating margin (FY2025)31.57%▼44.9ppvs FY2024

ROE (TTM to Jun 2026)8.21%▼0.4ppvs FY2025

Analyst consensus

Rating—

Target price—

Analyst ratings tend to be lagging indicators. Use as one signal among many.

Earnings

Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.

Next report

Oct 31, 2026

Q3 FY26 · EPS est CN¥0.22 · Revenue est CN¥93.93B

View