Postal Savings Bank of China Co., Ltd. Class A

Postal Savings Bank of China Co., Ltd. Class A

0.63
EUR
0.00
(0.00%)
81.13BMarket Cap
Oct 30Next Earn
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
1.73
2.05
2.08
2.75
2.81
2.84
2.86
3.11
2.98
3.02
2.72
- -
Basic EPS, GAAP
0.37
0.47
0.5
0.52
0.61
0.6
0.69
0.76
0.75
0.74
0.67
- -
Free Cash Flow per Basic Share
9.71
2.53
-4.29
1.87
0.21
1.51
0.9
4.26
2.19
3.24
3.07
- -
Dividend per Share
- -
0.11
0.06
0.15
0.19
0.23
0.25
0.3
0.33
0.32
0.28
-0.19
Book Value per Share
2.84
3.64
4.03
4.48
4.9
6.11
6.88
7.6
8.2
8.84
8.23
8.23
Tangible Book Value per Share
2.81
3.6
3.99
4.45
4.86
6.07
6.84
7.53
8.13
8.77
8.16
8.16
Basic Weighted Avg Shares
95,156
84,328
95,156
95,156
95,520
102,065
106,902
108,488
114,528
116,447
129,782
13,059
Sales/Revenue/Turnover
164,998
172,700
198,127
261,245
268,703
290,171
305,411
337,111
341,355
352,189
353,211
- -
Operating Margin (%)
25.08
24.86
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
4,817
4,690
4,556
4,610
7,225
8,078
9,037
11,413
12,129
11,386
11,608
- -
Net Income, GAAP
34,859
39,801
47,683
52,311
60,933
64,199
76,170
85,224
86,270
86,479
87,404
- -
Effective Tax Rate (%)
15.78
7.34
6.66
2.06
4.25
5.6
6.04
6.58
5.65
8.33
10.79
- -
Profit Margin (%)
21.13
23.05
24.07
20.02
22.68
22.12
24.94
25.28
25.27
24.55
24.75
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
24,973
54,943
74,932
76,154
105,375
67,252
91,109
111,762
270,406
251,202
262,162
262,162
Total Equity
270,831
346,888
431,357
475,313
544,879
672,930
795,549
825,814
956,616
1,031,649
1,162,345
1,162,345
Return on Invested Capital (%)
- -
6.82
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
11.42
10.5
9.88
10.12
9.22
9.32
9.33
7.96
6.87
6.44
- -
Return on Common Equity (%)
- -
12.9
13.07
12.33
12.67
11
10.78
10.54
9.7
8.72
7.98
- -

Capital Structure

CNY

•

in mil. unless spec.
Mar'25
Jun'25
Dec'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
19,856
141,030
141,030
Market Capitalization
- -
726,256
666,535

Working Capital

CNY

•

in mil. unless spec.
Mar'25
Jun'25
Dec'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
2,535,608
2,148,579
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

CNY

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
15.91%
11.67%
12.67%
Free Cash Flow
43.69%
71.14%
5.67%
Net Income, GAAP
9.86%
6.62%
1.07%
Sales/Revenue/Turnover
8.24%
4.07%
0.29%
Total Cash Common Dividend
- -
12.03%
-3.13%

Quarterly Revenue

CNY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
88,163
86,710
83,211
80,994
341,355
2024
89,430
88,668
- -
- -
352,189
2025
- -
- -
- -
88,030
353,211

Quarterly Earnings Per Share

CNY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.23
2.01
0.22
0.92
0.75
2024
0.21
1.93
- -
- -
0.74
2025
- -
- -
- -
0.83
0.67

Quarterly Dividends Per Share

CNY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
0.06
0.13
0.25
0.05
0.33
2024
0.06
0.06
- -
- -
0.32
2025
- -
- -
- -
-0.19
0.28

Company Description

CEO
Xinzhuang Niu
Full Time Employees
196,779
Sector
Finance
Industry
Regional banks
Address
No. 3 Financial Street Beijing BE China 100808
IPO Date
Sep 28, 2016
Website
psbc.com
Business
Postal Savings Bank of China Co., Ltd. Postal Savings Bank of China Co., Ltd. is a leading commercial retail bank in China that provides comprehensive banking and financial services, with a primary focus on serving agriculture, rural areas and farmers, small and medium-sized enterprises, urban and rural residents, and low-income customers. The bank operates through three main segments: retail banking, which accounts for approximately 43% of interest income and offers classic and specialized products including deposits, personal loans, wealth management, credit cards, and consumer finance; corporate banking, contributing about 23% of interest income with services such as corporate loans, trade finance, and cash management for SMEs; and treasury operations including investment and market banking, representing around 34% of interest income through bond trading, interbank lending, and financial market activities. Postal Savings Bank of China Co., Ltd. leverages an extensive nationwide network of approximately 40,000 branches and outlets, primarily integrated with the postal system, to deliver these services across all regions of China; it maintains total assets exceeding CNY 13 trillion, serves over 200 million customers, and employs around 194,000 staff. Founded in 2007 and headquartered in Beijing, the bank operates as a subsidiary of China Post Group Corporation Limited and listed on the Shanghai Stock Exchange in 2019 and the Hong Kong Stock Exchange in 2016 following strategic investments from global partners including Tencent, Ant Financial, and Temasek Holdings. Recent developments include a comprehensive strategic cooperation agreement signed with ChinaBond Depository & Clearing Co., Ltd. in November 2025 to enhance collaboration in bonds, collateral management, valuation, financial assets, and risk management; the planned absorption and merger of its wholly-owned subsidiary China Post Youhui Zhijia Bank Co., Ltd. announced in September 2025 to optimize management and business structure; and board adjustments such as the election of Zhang Xuanbo as Chairman of the Risk Management Committee in November 2025, alongside strong 2024 financial performance with operating income of CNY 349 billion and proposed full-year dividends of approximately CNY 25 billion.

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