---
title: "Postal Savings Bank Of China Co., Ltd. (01658.HK)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/01658.HK.md"
symbol: "01658.HK"
name: "Postal Savings Bank Of China Co., Ltd."
industry: "Diversified Banks"
---

# Postal Savings Bank Of China Co., Ltd. (01658.HK)

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

## Company Profile

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, and foreign currency deposits, a...

## Financial Score

> *Longbridge Financial Score™ — Proprietary multi-factor rating model by [Longbridge](https://longbridge.com). This score is independently calculated by Longbridge and is not affiliated with any third-party rating agency.*
> Updated: 2026-02-15T04:30:11.000Z

**Overall: C (0.50)**

**Industry**: Diversified Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 8 / 19 |
| 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.

### Score Analysis

**Style Score**: 

#### Growth Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | -0.45% |  |
| Net Profit YoY | -1.31% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 0.55 |  |
| Dividend Ratio | 4.65% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 611.17B |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 346.78B |  |


**Multi Score**: C

#### Profit Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 7.37% | B |
| Profit Margin | 27.17% | A |
| Gross Margin | 0.00% | E |

#### Growth Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | -0.45% | D |
| Net Profit YoY | -1.31% | C |
| Total Assets YoY | 9.57% | B |
| Net Assets YoY | 11.32% | B |

#### Cash Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | 396.87% | C |
| OCF YoY | -0.45% | D |

#### Operating Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.00 | E |

#### Debt Score: A

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 0.00% | A |


```chart-data:radar
{
  "title": "Longbridge Financial Score - Postal Savings Bank Of China Co., Ltd.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "7.37%",
          "rating": "B"
        },
        {
          "name": "Profit Margin",
          "value": "27.17%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "C",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "-0.45%",
          "rating": "D"
        },
        {
          "name": "Net Profit YoY",
          "value": "-1.31%",
          "rating": "C"
        },
        {
          "name": "Total Assets YoY",
          "value": "9.57%",
          "rating": "B"
        },
        {
          "name": "Net Assets YoY",
          "value": "11.32%",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "C",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "396.87%",
          "rating": "C"
        },
        {
          "name": "OCF YoY",
          "value": "-0.45%",
          "rating": "D"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "E",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "A",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | CITIC BANK (HK.998) | C | B | E | A | B | B |
| 02 | HSBC HOLDINGS (HK.5) | C | D | E | A | C | C |
| 03 | ICBC (HK.1398) | B | C | E | A | C | C |
| 04 | CCB (HK.939) | B | C | E | A | D | C |
| 05 | ABC (HK.1288) | B | C | E | A | C | C |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 6.40 | 11/19 | 7.17 | 6.65 | 5.29 |
| PB | 0.55 | 12/19 | 0.65 | 0.57 | 0.54 |
| PS (TTM) | 1.58 | 5/19 | 1.76 | 1.64 | 1.33 |
| Dividend Yield | 4.65% | 16/19 | 5.90% | 4.43% | 4.15% |

## Institutional View

### Analyst Rating Distribution

> As of 2026-02-07T16:00:00.000Z

Total Analysts: **16**

| Rating | Count | Percentage |
|--------|-------|-----------|
| Buy | 7 | 44% |
| Overweight | 3 | 19% |
| Hold | 5 | 31% |
| Underweight | 1 | 6% |
| Sell | 0 | 0% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 5.09 |
| Highest Target | 6.85 |
| Lowest Target | 4.95 |

## References

- [Company Overview](https://longbridge.com/en/quote/01658.HK/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/01658.HK/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/01658.HK/topics.md) - Community topics and discussions

---

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