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Postal Savings Bank of China Co., Ltd. Class H
(1658)
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Rating:68Neutral
Price Target:
HK$6.00
â–²(20.00% Upside)
Action:Reiterated
Date:08/29/26
The score is driven by solid underlying profitability and growth (strong income statement) and especially attractive valuation (low P/E and ~5% yield). Offsetting these positives are increased leverage on the balance sheet and a volatile cash-flow pattern, while technicals are only mildly constructive rather than strongly bullish.
Positive Factors
Revenue and profitability
Strong TTM revenue growth and substantial net income indicate healthy underlying earnings power. A net margin above 22% provides a meaningful profitability base, supporting continued investment in the bank’s broad retail, corporate, and wealth-management franchise over the next several quarters.
Negative Factors
Rising leverage
The sustained increase in debt-to-equity is a structural balance-sheet concern because it raises reliance on liabilities relative to shareholder capital. Higher leverage can reduce financial flexibility, increase sensitivity to credit conditions, and constrain the bank’s ability to absorb future operating stress.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and profitability
Strong TTM revenue growth and substantial net income indicate healthy underlying earnings power. A net margin above 22% provides a meaningful profitability base, supporting continued investment in the bank’s broad retail, corporate, and wealth-management franchise over the next several quarters.
Read all positive factors
Postal Savings Bank of China Co., Ltd. Class H (1658) vs. iShares MSCI Hong Kong ETF (EWH)
Market Cap
HK$686.19B
Dividend Yield4.53%
Average Volume (3M)47.10M
Price to Earnings (P/E)7.5
Beta (1Y)0.63
Revenue Growth1.86%
EPS Growth-7.09%
CountryHK
Employees179,081
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.75
Shares Outstanding19,856,168,000
10 Day Avg. Volume74,346,610
30 Day Avg. Volume47,095,714
Financial Highlights & Ratios
PEG Ratio-0.37
Price to Book (P/B)0.57
Price to Sales (P/S)1.65
P/FCF Ratio6.49
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.72
Revenue Forecast (FY)HK$378.54B
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 c...
How the Company Makes Money
Postal Savings Bank of China primarily earns money through a bank-style revenue model centered on interest income and fee-based income. (1) Net interest income: The core earnings driver is the spread between interest earned on interest-earning ass...
Postal Savings Bank of China Co., Ltd. Class H Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
62
Positive
Cash Flow
53
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 516.19B | 345.88B | 320.71B | 316.75B | 435.32B | 398.62B |
| Gross Profit | 330.08B | 313.81B | 320.71B | 316.75B | 234.68B | 272.47B |
| EBITDA | 97.23B | 104.47B | 0.00 | 0.00 | 102.78B | 90.49B |
| Net Income | 89.17B | 85.14B | 86.48B | 86.27B | 85.22B | 76.17B |
Balance Sheet | ||||||
| Total Assets | 19.81T | 18.69T | 17.08T | 15.73T | 14.07T | 12.59T |
| Cash, Cash Equivalents and Short-Term Investments | 1.42T | 1.32T | 1.96T | 1.83T | 1.73T | 1.57T |
| Total Debt | 707.24B | 929.67B | 251.20B | 270.41B | 111.76B | 91.11B |
| Total Liabilities | 18.76T | 17.68T | 16.05T | 14.77T | 13.24T | 11.79T |
| Stockholders Equity | 1.05T | 1.01T | 1.03T | 954.87B | 824.23B | 794.09B |
Cash Flow | ||||||
| Free Cash Flow | 99.50B | 88.21B | 376.93B | 250.37B | 462.51B | 95.70B |
| Operating Cash Flow | 112.71B | 101.62B | 397.28B | 263.34B | 474.91B | 109.56B |
| Investing Cash Flow | -1.47T | -175.93B | -480.40B | -242.43B | -511.51B | -182.92B |
| Financing Cash Flow | 1.13T | 45.74B | -30.78B | 1.43T | -37.74B | 52.26B |
Postal Savings Bank of China Co., Ltd. Class H Technical Analysis
Positive
5.00
Price Trends
4.98
Positive
4.95
Positive
4.96
Positive
Market Momentum
0.14
Negative
65.14
Neutral
58.54
Neutral
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 is below the 20-day moving average (MA) of 5.16, above the 50-day MA of 4.98, and above the 200-day MA of 4.96, indicating a bullish trend. The MACD of 0.14 indicates Negative momentum. The RSI at 65.14 is Neutral, neither overbought nor oversold. The STOCH value of 58.54 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | HK$1.24T | 7.08 | 12.33% | 4.37% | -0.16% | 5.69% | |
71 Outperform | HK$552.96B | 13.24 | 11.60% | 6.71% | -8.24% | 3.38% | |
69 Neutral | HK$550.83B | 6.97 | 9.34% | 5.05% | -3.15% | 1.80% | |
68 Neutral | HK$686.19B | 7.45 | 8.44% | 4.53% | 1.86% | -7.09% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
60 Neutral | HK$182.24B | 5.73 | 4.66% | 5.75% | -4.88% | -9.64% | |
56 Neutral | HK$200.07B | 5.96 | 5.88% | 6.89% | -7.38% | -19.59% |
* Financial Sector Average
HK:1658
Postal Savings Bank of China Co., Ltd. Class H
5.42
-0.13
-2.27%
HK:2388
BOC Hong Kong (Holdings)
52.30
15.73
43.00%
HK:6818
China Everbright Bank Co
2.86
-0.41
-12.62%
HK:1988
China Minsheng Banking
3.47
-0.43
-11.00%
HK:0998
China CITIC Bank
8.46
1.67
24.69%
HK:3968
China Merchants Bank Co
51.95
6.28
13.75%
Postal Savings Bank of China Co., Ltd. Class H Corporate Events
Postal Savings Bank of China Declares Interim Dividend With HKD/RMB Option
Aug 28, 2026
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 dolla...
Postal Savings Bank of China Unveils 2026 Interim Results and Dividend Plan
Aug 28, 2026
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 sharehold...
Postal Savings Bank of China Schedules Board Meeting on Interim Results and Dividend
Aug 18, 2026
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 busine...
Postal Savings Bank of China Updates Final 2025 Dividend Terms and Tax Treatment for H Shareholders
Jul 14, 2026
Postal Savings Bank of China has updated details of its final cash dividend for the year ended 31 December 2025, confirming a payout of RMB 0.953 per 10 H shares, with Hong Kong shareholders receiving a default payment of HKD 1.1002764 per 10 shar...
Postal Savings Bank of China Clarifies Board Structure and Committee Roles
Jun 30, 2026
Postal Savings Bank of China Co., Ltd., a major Chinese commercial bank listed in Hong Kong, operates under a joint stock limited liability structure and serves retail and corporate clients across the People’s Republic of China. Its Board co...
Postal Savings Bank of China Wins Strong Shareholder Backing at 2025 AGM
Jun 26, 2026
Postal Savings Bank of China Co., Ltd. held its 2025 Annual General Meeting in Beijing on June 26, 2026, with all 17 directors in attendance and shareholder representation of about 90.9% of voting shares. The meeting was convened in compliance wit...
Postal Savings Bank of China Updates 2025 Final Dividend and Withholding Tax Details
Jun 26, 2026
Postal Savings Bank of China has updated its final dividend arrangements for the year ended 31 December 2025, confirming a payout of RMB 0.953 per 10 H shares with an option to receive the dividend in either Hong Kong dollars or renminbi. The ex-d...
Postal Savings Bank of China Revamps Board Committee Memberships
Jun 26, 2026
Postal Savings Bank of China has reshuffled its board committees, reassigning several directors across key oversight bodies, including the Audit, Nomination and Remuneration, Risk Management, Social Responsibility and Consumer Rights Protection, a...
Postal Savings Bank of China announces planned retirement of two independent directors
Jun 26, 2026
Postal Savings Bank of China has announced that independent non-executive directors Wen Tiejun and Pan Yingli will retire upon the expiry of their terms on June 30, 2026, stepping down from multiple board committee roles including nomination, remu...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.