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Postal Savings Bank of China Co., Ltd. Class H (1658) AI Stock Analysis
Postal Savings Bank of China Co., Ltd. Class H
(HKEX:1658)
The score is primarily supported by attractive valuation (low P/E and solid dividend yield) and a constructive technical setup (price above key moving averages with moderately positive momentum). Offsetting this, financial performance is tempered by TTM revenue contraction, a sharp rise in leverage (debt-to-equity near ~1.0), and more volatile cash conversion in TTM.
Postal Savings Bank of China Co., Ltd. Class H (1658) vs. iShares MSCI Hong Kong ETF (EWH)
- Market Cap
- HKD 673.13B
- Dividend Yield
- 4.34%
- Average Volume (3M)
- 45.23M
- Price to Earnings (P/E)
- 7.6
- Beta (1Y)
- 0.47
- Revenue Growth
- 2.50%
- EPS Growth
- 1.38%
- Country
- Hong Kong
- Employees
- 182,347
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Postal Savings Bank of China Co., Ltd. Class H Business Overview & Revenue Model
Company Description
Postal Savings Bank of China Co., Ltd., along with its affiliated entities, delivers a comprehensive suite of banking solutions to both individual and institutional clients throughout the People's Republic of China. The Personal Banking division cate...
Postal Savings Bank of China Co., Ltd. Class H Financial Statement Overview
Summary
Income statement profitability is solid (TTM net margin ~23%), but revenue declined in TTM (~-8%) and growth has been volatile. Balance sheet risk increased as debt-to-equity stepped up sharply to ~0.99 in TTM, reducing flexibility. Cash flow is strong in absolute terms, but free cash flow relative to net income turned negative in TTM, indicating volatility in cash conversion.
Income Statement
64PositiveBalance Sheet
52NeutralCash Flow
58Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 515.78B | 345.88B | 320.71B | 316.75B | 435.32B | 398.62B |
| Gross Profit | 331.06B | 313.81B | 320.71B | 316.75B | 234.68B | 272.47B |
| EBITDA | 98.37B | 107.29B | 0 | 0 | 102.78B | 90.49B |
| Net Income | 90.39B | 85.14B | 86.48B | 86.27B | 85.22B | 76.17B |
Balance Sheet | ||||||
| Total Assets | 19.84T | 18.69T | 17.08T | 15.73T | 14.07T | 12.59T |
| Cash, Cash Equivalents and Short-Term Investments | 1.39T | 1.32T | 1.96T | 1.83T | 1.73T | 1.57T |
| Total Debt | 1.08T | 929.67B | 251.20B | 270.41B | 111.76B | 91.11B |
| Total Liabilities | 18.77T | 17.68T | 16.05T | 14.77T | 13.24T | 11.79T |
| Stockholders Equity | 1.07T | 1.01T | 1.03T | 954.87B | 824.23B | 794.09B |
Cash Flow | ||||||
| Free Cash Flow | 109.55B | 88.21B | 376.93B | 250.37B | 462.51B | 95.70B |
| Operating Cash Flow | 121.46B | 101.62B | 397.28B | 263.34B | 474.91B | 109.56B |
| Investing Cash Flow | -1.38T | -175.93B | -480.40B | -242.43B | -511.51B | -182.92B |
| Financing Cash Flow | 1.11T | 45.74B | -30.78B | 1.43T | -37.74B | 52.26B |
Postal Savings Bank of China Co., Ltd. Class H Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1658, the sentiment is Positive. The current price of 5.66 is above the 20-day moving average (MA) of 5.52, above the 50-day MA of 5.42, and above the 200-day MA of 5.03, indicating a bullish trend. The MACD of 0.05 indicates Negative momentum. The RSI at 60.12 is Neutral, neither overbought nor oversold. The STOCH value of 68.82 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:1658.
Postal Savings Bank of China Co., Ltd. Class H Peers Comparison
Overall Rating
HK:396879Outperform
HK:099872Outperform
HK:238871Outperform- HK:165868Neutral
HK:198845Neutral
HK:681844Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| HK:3968 | 79Outperform | HKD 1.28T | 7.22 | 12.14% | 4.18% | 3.40% | 7.85% |
| HK:0998 | 72Outperform | HKD 551.84B | 7.19 | 9.32% | 5.46% | -0.51% | 2.52% |
| HK:2388 | 71Outperform | HKD 512.78B | 12.46 | 11.60% | 4.23% | -8.24% | 3.38% |
| HK:1658 | 68Neutral | HKD 706.31B | 7.64 | 8.73% | 4.34% | 2.50% | 1.38% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| HK:1988 | 45Neutral | HKD 169.34B | 5.72 | 4.25% | 6.37% | -4.88% | -9.64% |
| HK:6818 | 44Neutral | HKD 209.60B | 6.70 | 5.42% | 6.90% | -3.43% | -21.29% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| HK:1658 | Postal Savings Bank of China Co., Ltd. Class H | 5.66 | 0.31 | 5.78% | |
| HK:2388 | BOC Hong Kong (Holdings) | 49.70 | 12.96 | 35.26% | |
| HK:6818 | China Everbright Bank Co Class H | 2.85 | -0.31 | -9.91% | |
| HK:1988 | China Minsheng Banking Corp Class H | 3.10 | -0.82 | -20.95% | |
| HK:0998 | China CITIC Bank Corporation Class H | 8.40 | 1.42 | 20.31% | |
| HK:3968 | China Merchants Bank Co Class H | 54.35 | 5.53 | 11.32% |
Postal Savings Bank of China Co., Ltd. Class H Corporate Events
Postal Savings Bank of China Posts Solid Asset Growth but Softer Returns in Third Quarter 2026
Postal Savings Bank of China Co., Ltd. reported steady growth for the nine months ended September 30, 2026, with total assets rising 6.26% year-on-year to RMB 19.85 trillion and customer deposits increasing 5.91% to RMB 17.52 trillion. The bank’...
Postal Savings Bank of China Updates Official Website Domains
Postal Savings Bank of China Co., Ltd. will introduce a new official website address, www.psbc.cn, effective October 21, 2026, as part of efforts to standardize its domain name management. The existing address www.psbcltd.cn will be decommissioned on...
Postal Savings Bank of China Sets Board Meeting to Approve Q3 2026 Results
Postal Savings Bank of China Co., Ltd. has scheduled a board meeting for October 30, 2026, to review and approve the bank’s third quarter results for the nine months ended September 30, 2026, along with the results of its subsidiaries. The boar...
Postal Savings Bank of China refreshes board with new independent director and committee chair
Postal Savings Bank of China announced changes to its board following the 2025 Annual General Meeting, confirming the appointment of Mr. Sun Maozhu as an Independent Non-executive Director after regulatory approval by the National Financial Regulator...
Postal Savings Bank of China Updates Board and Committee Structure
Postal Savings Bank of China Co., Ltd., a major Chinese commercial bank listed in Hong Kong, has disclosed the composition of its board of directors and related governance committees. The institution, which combines executive, non-executive and indep...
Postal Savings Bank of China Declares Interim Dividend With HKD/RMB Option
Postal Savings Bank of China Co., Ltd. has announced an interim ordinary cash dividend of RMB 1.33 per 10 shares for the six months ended 30 June 2026, for the financial year ending 31 December 2026. The dividend will be payable in Hong Kong dollars...
Postal Savings Bank of China Unveils 2026 Interim Results and Dividend Plan
Postal Savings Bank of China has released its unaudited interim results for the six months ended June 30, 2026, confirming that its Board and Audit Committee have reviewed the figures and that the interim report will be made available to shareholders...
Postal Savings Bank of China Schedules Board Meeting on Interim Results and Dividend
Postal Savings Bank of China Co., Ltd., a major Chinese retail and commercial banking group listed in Hong Kong, conducts its core operations in mainland China and clarifies that it is not licensed to conduct banking or deposit‑taking business...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Oct 31, 2026