---
title: "Postal Savings Bank Of China Co., Ltd. (601658.SH)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/601658.SH.md"
symbol: "601658.SH"
name: "Postal Savings Bank Of China Co., Ltd."
industry: "Diversified Banks"
datetime: "2026-05-20T07:42:17.464Z"
locales:
  - [en](https://longbridge.com/en/quote/601658.SH.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/601658.SH.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/601658.SH.md)
---

# Postal Savings Bank Of China Co., Ltd. (601658.SH)

## Company Overview

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.

| Item | Detail |
|------|--------|
| Industry | Diversified Banks |
| Exchange | CN Market |
| Website | [www.psbc.com;http://www.psbcltd.cn](https://www.psbc.com;http://www.psbcltd.cn) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: C
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-20T04:30:09.000Z

**Overall: C (0.54)**

**Industry**: Diversified Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 6 / 20 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Large - The company has stable operations, allowing for dependable long-term returns.

**Multi Score**: C

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 1.84% |  |
| Net Profit YoY | 1.59% |  |
| P/B Ratio | 0.58 |  |
| Dividend Ratio | 2.48% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 596730989440.21 |  |
| Revenue | 323298030958.30 |  |

#### Multi Score Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 7.52% | B |
| Profit Margin | 27.23% | A |
| Gross Margin | 0.00% | E |
| Revenue YoY | 1.84% | C |
| Net Profit YoY | 1.59% | C |
| Total Assets YoY | 10.30% | B |
| Net Assets YoY | 15.89% | B |
| Cash Flow Margin | -1027.44% | E |
| OCF YoY | 1.84% | C |
| Turnover | 0.00 | E |
| Gearing Ratio | 0.00% | A |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Postal Savings Bank Of China Co., Ltd.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "1.84%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "1.59%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "0.58",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "2.48%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "596730989440.21",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "323298030958.30",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "7.52%",
          "rating": "B"
        },
        {
          "name": "Profit Margin",
          "value": "27.23%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        },
        {
          "name": "Revenue YoY",
          "value": "1.84%",
          "rating": "C"
        },
        {
          "name": "Net Profit YoY",
          "value": "1.59%",
          "rating": "C"
        },
        {
          "name": "Total Assets YoY",
          "value": "10.30%",
          "rating": "B"
        },
        {
          "name": "Net Assets YoY",
          "value": "15.89%",
          "rating": "B"
        },
        {
          "name": "Cash Flow Margin",
          "value": "-1027.44%",
          "rating": "E"
        },
        {
          "name": "OCF YoY",
          "value": "1.84%",
          "rating": "C"
        },
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        },
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 6.78 | 14/20 | 8.06 | 7.50 | 6.93 |
| PB | 0.58 | 12/20 | 0.71 | 0.65 | 0.60 |
| PS (TTM) | 1.64 | 7/20 | 1.99 | 1.85 | 1.71 |
| Dividend Yield | 2.48% | 16/20 | 4.32% | 3.96% | 3.61% |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | ICBC (601398.SH) | B | C | E | A | D | C |
| 02 | CCB (601939.SH) | B | C | E | A | D | C |
| 03 | ABC (601288.SH) | B | C | E | A | D | C |
| 04 | Bank Of China (601988.SH) | C | C | E | A | D | C |
| 05 | China Merchants Bank (600036.SH) | B | C | E | A | B | C |

## Institutional View

### Analyst Rating Distribution

> As of 2026-05-12T16:00:00.000Z

Total Analysts: **17**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Buy | 9 | 53% |
| Overweight | 4 | 24% |
| Hold | 4 | 24% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 4.91 |
| Highest Target | 7.21 |
| Lowest Target | 4.90 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/601658.SH/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/601658.SH/norm.md)
- [Related News](https://longbridge.com/en/quote/601658.SH/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/601658.SH/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**