1. People's Republic of China Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Postal Savings Bank of China Co., Ltd.

Postal Savings Bank of China Co., Ltd.

PSTVY
Postal Savings Bank of China Co., Ltd.US flagOther OTC
13.90
USD
+1.40
- -
80.88BMarket Cap
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
40.72
48.1
48.9
64.48
66.07
66.77
67.1
72.98
70
71.03
- -
50.87
Basic EPS, GAAP
8.6
11.09
11.77
12.32
14.37
14.18
16.22
17.92
17.69
17.44
- -
11.67
Free Cash Flow per Basic Share
227.99
59.34
-100.75
43.98
4.85
35.48
21.03
100.13
51.34
76.02
- -
80.79
Dividend per Share
- -
2.51
1.47
3.53
4.47
5.5
5.83
7.05
7.8
7.59
- -
1.61
Book Value per Share
31.45
43.89
46.24
52.81
59.9
61.57
63.98
68.75
71.46
73.11
- -
77.38
Tangible Book Value per Share
66.01
95.62
93.78
104.65
121.28
142.85
163.37
177.21
194.57
206.38
- -
201.37
Basic Weighted Avg Shares
4,052
3,590
4,052
4,052
4,067
4,346
4,552
4,619
4,876
4,958
- -
5,093
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
259,092
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
5,684
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
59,430
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
4.23
Profit Margin (%)
21.13
23.05
24.07
20.02
22.68
22.12
24.94
25.28
25.27
24.55
24.75
22.94
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
210,222
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
1,032,868
Return on Invested Capital (%)
- -
11.25
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
27.93
27.65
24.88
25.54
24.11
26.43
27.2
25.91
24.33
22.76
15.58

Capital Structure

FRC

•

in mil. unless spec.
Mar'24
Jun'24
Sep'24
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
99,161
99,161
99,161
Market Capitalization
358,850
389,388
381,090

Working Capital

FRC

•

in mil. unless spec.
Mar'24
Jun'24
Sep'24
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,858,472
1,915,720
1,886,470
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

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

FRC

•

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

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
5.4
- -
5.2
- -
17.69
2024
5
- -
- -
- -
17.44
2025
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
1.39
- -
5.83
- -
7.8
2024
1.35
- -
- -
- -
7.59
2025
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Xinzhuang Niu
Full Time Employees
182,631
Sector
Financial Services
Industry
Banks - Regional
Address
No. 3 Financial Street Beijing People's Republic of China 100808
IPO Date
Jan 30, 2018
Website
psbc.com
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Business
Postal Savings Bank of China Co., Ltd. (PSTVY) operates as a leading retail bank in China, providing comprehensive banking and financial services primarily to agriculture, rural areas and farmers (sannong), small and medium-sized enterprises, urban and rural residents, and low-income customers through an extensive network leveraging the postal system. The bank offers a wide range of products and services including demand, time, personal call, time/demand optional, call, negotiated and foreign currency deposits; passbooks and certificates of deposit; corporate deposits, company settlement, cash management, negotiable instruments, corporate financing, trade finance and custody services; personal and corporate loans with a focus on microloans and consumer credit; wealth management; fund settlement; and innovative solutions such as a blockchain-based asset custody system launched in 2017. Founded in 2007 and headquartered in Beijing, it maintains over 39,000 branches across all regions of China, ranking as a subsidiary of China Post Group Corporation Limited and second only to the Agricultural Bank of China in branch network size. In a significant recent development, Postal Savings Bank raised $18.09 billion in common equity in 2025 to replenish core Tier 1 capital, enhancing profitability, core competitiveness and operating results amid robust Asia-Pacific bank capital raising activity. The bank continues to advance its business transformation strategy, including the "Five Plus One" initiative to expand sannong financing, microfinancing, credit extension, wealth management and financial markets trading, while supporting M&A loans and digital consumer loan products.

Company News

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