Postal Savings Bank of China Co., Ltd. Website

Postal Savings Bank of China Co., Ltd.

SEHK-1658

Basic

  • Market Cap

    HK$509.6B

  • EV

  • Shares Out

    99.16B

  • Revenue

    CN¥319.63B

  • Employees

    181,964

Margins

  • Gross

  • EBITDA

  • Operating

  • Pre-Tax

    28.44%

  • Net

    26.88%

  • FCF

    -308.52%

Returns (5Yr Avg)

  • ROA

    0.61%

  • ROTA

    10.47%

  • ROE

    10.44%

  • ROCE

  • ROIC

    0.75%

Valuation (TTM)

  • P/E

  • P/B

  • EV/Sales

  • EV/EBITDA

  • P/FCF

  • EV/Gross Profit

Valuation (NTM)

  • Price Target

    HK$5.01

  • P/E

  • PEG

  • EV/Sales

  • EV/EBITDA

  • P/FCF

Financial Health

  • Cash

  • Net Debt

    -CN¥2,841.56B

  • Debt/Equity

  • EBIT/Interest

Growth (CAGR)

  • Rev 3Yr

    9.96%

  • Rev 5Yr

    8.95%

  • Rev 10Yr

  • Dil EPS 3Yr

    4.15%

  • Dil EPS 5Yr

    4.74%

  • Dil EPS 10Yr

    2.35%

  • Rev Fwd 2Yr

    3.55%

  • EBITDA Fwd 2Yr

  • EPS Fwd 2Yr

    3.27%

  • EPS LT Growth Est

    1%

Dividends

  • Yield

  • Payout

    32.1%

  • DPS

    CN¥0.26

  • DPS Growth 3Yr

    7.77%

  • DPS Growth 5Yr

    6.15%

  • DPS Growth 10Yr

  • DPS Growth Fwd 2Yr

    1.96%

Select a metric from the list below to chart it

Dec '14

Dec '15

Dec '16

Dec '17

Dec '18

Dec '19

Dec '20

Dec '21

Dec '22

Dec '23

LTM

Dec '24 (E)

Dec '25 (E)

Dec '26 (E)

Interest Income On Loans

390,700

416,252

451,567

474,240

498,327

504,532

Interest Income, Total

390,700

416,252

451,567

474,240

498,327

504,532

Interest On Deposits

148,014

162,874

182,185

200,647

216,524

220,554

Interest Expense, Total

148,014

162,874

182,185

200,647

216,524

220,554

Net Interest Income

242,686

253,378

269,382

273,593

281,803

283,978

Income From Trading Activities

3,747

3,259

3,286

3,673

4,460

4,520

Gain (Loss) on Sale of Assets

-70

-32

1

-10

-10

Gain (Loss) on Sale of Invest. & Securities

12,576

15,922

23,687

22,479

26,961

28,010

Income (Loss) on Equity Invest.

3

18

18

Total Other Non Interest Income

18,107

14,048

22,784

35,642

29,680

27,648

Non Interest Income, Total

34,430

33,159

49,725

61,798

61,109

60,186

Revenues Before Provison For Loan Losses

277,116

286,537

319,107

335,391

342,912

344,164

Provision For Loan Losses

55,384

50,398

46,638

35,328

26,167

24,531

Total Revenues

221,732

236,139

272,469

300,063

316,745

319,633

Total Revenues % Chg.

8.1%

6.5%

15.4%

10.1%

5.6%

4.4%

Salaries And Other Employee Benefits

50,039

51,355

59,228

62,878

64,017

64,017

Occupancy Expense

7,225

8,078

9,037

11,300

12,128

12,128

Selling General & Admin Expenses, Total

34

30

30

35

35

Total Other Non Interest Expense

100,689

108,570

122,720

134,491

148,966

152,558

Non Operating (Income) Expenses

Non Interest Expense, Total

157,987

168,003

191,015

208,699

225,146

228,738

EBT, Excl. Unusual Items

63,745

68,136

81,454

91,364

91,599

90,895

Other Unusual Items

EBT, Incl. Unusual Items

63,745

68,136

81,454

91,364

91,599

90,895

Income Tax Expense

2,709

3,818

4,922

6,009

5,175

4,799

Earnings From Continuing Operations

61,036

64,318

76,532

85,355

86,424

86,096

Minority Interest

-103

-119

-362

-131

-154

-180

Net Income

60,933

64,199

76,170

85,224

86,270

85,916

Preferred Dividend and Other Adjustments

2,501

2,584

5,276

6,708

5,316

5,316

Net Income to Common Incl Extra Items

58,432

61,615

70,894

78,516

80,954

80,600

Net Income to Common Excl. Extra Items

58,432

61,615

70,894

78,516

80,954

80,600

Total Shares Outstanding

86,202.7

86,978.6

92,384

92,384

99,161.1

99,161.1

Weighted Avg. Shares Outstanding

81,341

86,914

91,033

92,384

97,527

99,119.7

Weighted Avg. Shares Outstanding Dil

81,341

86,914

91,033

92,384

97,527

99,119.7

EPS

0.7

0.7

0.8

0.8

0.8

0.8

EPS Diluted

0.7

0.7

0.8

0.8

0.8

0.8

Effective Tax Rate

4.2%

5.6%

6%

6.6%

5.6%

5.3%