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Postal Savings Bank of China Co Ltd

601658 · SHG · Financial Services / Banks - Regional

5.69CNY+0.07 (+1.25%)

Price History

Full chart

Market Stats

Previous Close5.62
Open5.61
Day Range5.58 – 5.70
52-Week Range4.76 – 5.97
Volume155.87M
Market Cap688.14B
P/E (TTM)8.07
Forward P/E8.32
EPS0.71
Dividend Yield3.81%
Beta0.36
50-Day Avg5.43
200-Day Avg5.14

About

Postal Savings Bank of China Co., Ltd., together with its subsidiaries, provides various banking products and services for retail and corporate customers in the People's Republic of China. It offers demand, time, personal call, time/demand optional, call, negotiated, foreign currency exchange deposit; passbooks and certificate of deposits; credit, mortgage, government, farmer, and merchant express loan; business easy mix, agriculture aid plus, domestic remittance and exchange, and payment and collection agency; cross-border remittance, personal exchange settlement and sale, and foreign currency exchange services; personal housing, auto, consumer, and personal education loans; and bank cards, as well as online banking services. The company also provides pledge, syndicated, land reserve, town rebuild, commercial property mortgage, real estate development, fixed asset, project, and consignment loans. In addition, it offers check, promissory notes, bank and commercial draft, remittance, consignment collection, and collection with acceptance settlement services; accounts management, payments and collection, liquidity, investment and financing, information management, fund monitoring, and bank-enterprise direct link services; draft acceptance and discounting, draft manager, and electronic commercial draft services; foreign exchange deposit, foreign exchange settlement, sale, and conversion, settlement, and trade finance; custody services; and bill rediscount, interbank financing, investment, and market trading services. It operates through directly operated outlets and agency outlets. The company was founded in 2007 and is based in Beijing, China. Postal Savings Bank of China Co., Ltd. operates as a subsidiary of China Post Group Corporation Limited.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Xinzhuang Niu
  • Employees182.35K
  • HeadquartersNo. 3 Financial Street, Beijing, China, 100808, China
  • Websitehttps://www.psbc.com

Leadership

  • Mr. Xinzhuang NiuVP & Chief Information Officer · b. 1976
  • Ms. Hong YaoVP, Chief Risk Officer & Executive Director · b. 1966
  • Mr. Shidong LiangChief Retail Banking Officer · b. 1976
  • Mr. Chunye DuVP, Secretary to the Board & Joint Company Secretary · b. 1977
  • Mr. Xueming XuVice President · b. 1967
  • Mr. Wei Lu MPAPresident, Chief Compliance Officer & Executive Director · b. 1971
  • Mr. Ping DengGM of Finance and Accounting Department
  • Fang WangAccounting Supervisor
  • Ms. Yang XilinChief Financial Markets Officer
  • Lina LiuVice-General Manager of Wealth Management

Financials

Income Statement

Currency: CNY2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue120.97B136.56B153.46B165.00B172.70B198.13B205.15B221.73B236.14B272.47B300.06B316.75B320.71B355.07B
Growth (%)-+12.89%+12.38%+7.52%+4.67%+14.72%+3.55%+8.08%+6.50%+15.39%+10.13%+5.56%+1.25%+10.71%
Cost of Revenue-------------32.92B
Gross Profit--153.46B165.00B172.70B198.13B205.15B221.73B236.14B272.47B300.06B316.75B320.71B322.15B
Gross Margin--100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%90.73%
Operating Expense--33.73B39.01B41.33B46.42B147.22B57.30B59.43B68.30B74.21B76.14B75.43B223.93B
Operating Income33.36B108.31B119.73B125.99B131.37B151.71B57.94B164.43B176.71B204.17B225.85B240.60B245.28B98.22B
Operating Margin27.58%79.32%78.02%76.36%76.07%76.57%28.24%74.16%74.83%74.93%75.27%75.96%76.48%27.66%
EBITDA539.00M------------98.22B
EBITDA Margin0.45%------------27.66%
Net Income28.37B29.67B32.57B34.86B39.80B47.68B52.31B60.93B64.20B76.17B85.22B86.27B86.48B87.40B
Net Income Margin23.45%21.73%21.22%21.13%23.05%24.07%25.50%27.48%27.19%27.96%28.40%27.24%26.96%24.62%
Interest Expense---348.00M1.30B2.82B3.06B3.46B3.66B2.87B3.49B7.14B222.12B199.28B
Interest Expense % of Total Revenue---0.21%0.75%1.43%1.49%1.56%1.55%1.05%1.16%2.25%69.26%56.13%

Balance Sheet

Currency: CNY2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets4.90T5.58T6.30T7.30T8.27T9.01T9.52T10.22T11.35T12.59T14.07T15.73T17.08T18.68T
Total Liabilities77.26B5.44T6.11T7.03T7.92T8.58T9.04T9.67T10.76T11.90T13.38T14.94T16.05T17.67T
Total Equity114.87B141.05B187.91B270.45B346.53B430.97B474.40B543.87B591.81B684.11B684.24B784.89B1.03T1.01T
Cash96.89B63.27B224.09B105.93B133.33B194.67B171.29B139.42B101.55B120.26B108.25B113.21B1.96T1.32T
Total Debt-113.14B174.91B582.04B480.58B312.15B325.08B277.08B314.32B450.43B581.68B903.93B763.74B929.27B
Net Debt-96.89B49.87B-49.18B476.11B347.24B117.47B153.79B137.66B212.77B330.17B473.42B790.73B-1.19T-389.90B

Cash Flow

Currency: CNY2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow192.90B-533.16B69.02B376.62B16.62B-942.46B184.50B104.94B158.96B109.56B474.91B263.34B397.28B104.31B
Investing Cash Flow-162.54B-89.82B-245.57B-1.31T-982.55B479.34B-89.33B-842.56B-1.10T-182.92B-511.51B-242.43B-480.40B-1.20T
Financing Cash Flow-1.33B552.63B628.77B623.22B920.94B602.85B-16.86B614.20B1.00T52.26B-37.74B192.25B-30.78B1.38T
Capital Expenditure7.97B8.07B9.43B5.71B7.41B8.85B6.33B6.73B7.57B13.85B12.40B12.96B20.35B13.76B
Free Cash Flow184.93B53.12B52.25B48.09B9.21B16.68B178.18B98.21B151.39B95.70B462.51B250.37B376.93B90.56B
Dividends Paid1.33B2.00B--9.00B5.97B14.31B18.20B20.87B26.53B32.56B38.04B37.65B36.47B
FCF to OCF95.87%-9.96%75.70%12.77%55.44%-1.77%96.57%93.58%95.24%87.36%97.39%95.08%94.88%86.81%
Dividend Paid to FCF0.72%3.77%--97.70%35.81%8.03%18.53%13.78%27.72%7.04%15.19%9.99%40.27%

Earnings

Report DateMar 25, 2020Apr 29, 2020Aug 30, 2020Oct 29, 2020Mar 29, 2021Apr 30, 2021Aug 27, 2021Oct 28, 2021Mar 30, 2022Apr 29, 2022Aug 22, 2022Oct 26, 2022Mar 30, 2023Apr 27, 2023Aug 30, 2023Oct 27, 2023Mar 28, 2024Apr 29, 2024Aug 30, 2024Oct 30, 2024Mar 27, 2025Apr 29, 2025Jun 30, 2025Oct 30, 2025Mar 27, 2026Apr 29, 2026Aug 27, 2026Sep 30, 2026
EPS Estimate--0.220.150.19-0.300.160.15---0.150.290.250.280.120.270.230.260.110.260.190.220.090.220.210.24
EPS Actual0.070.230.160.220.130.240.160.250.130.260.180.290.120.270.190.260.100.250.190.270.100.24-0.230.070.200.18-
Surprise---27.27%46.67%-31.58%--46.67%56.25%-13.33%----20.00%-6.90%-24.00%-7.14%-16.67%-7.41%-17.39%3.85%-9.09%-7.69%-4.55%-22.22%-9.09%-14.29%-
TimingPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-Pre-marketAfter-hoursPre-marketAfter-hours-

Key Statistics & Ratios

Market Cap688.14B
Enterprise Value-2.10T
Trailing P/E8.07
Forward P/E8.32
PEG Ratio0.83
Price / Sales2.13
Price / Book0.58
EPS0.71
Book Value10.29
Revenue (TTM)322.68B
Gross Profit (TTM)322.68B
Profit Margin28.17%
Operating Margin35.73%
Return on Equity7.61%
Return on Assets0.47%
Shares Outstanding100.24B
Shares Float18.39B
Beta0.36
Dividend Yield3.81%
Dividend Rate0.22
Payout Ratio30.75%

Dividends

20231×
0.26Jul 13, 2023
20221×
0.25Jul 12, 2022
20211×
0.21Jul 22, 2021
20201×
0.21Jun 10, 2020