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China's largest bank by branch count, built on the post-office network, focused on retail and rural banking.
China's largest bank by branch count, built on the post-office network, focused on retail and rural banking.
Earns mostly from the spread between low-cost deposits gathered at post-office outlets and the loans and bonds they fund, with small-business and rural loans a growing part. China Post Group, a state-owned company, controls it. These Hong Kong shares, listed in 2016, and the Shanghai ones are the same bank.
In one line: A Chinese retail bank with a post-office branch network.
Moat: narrow (distribution, scale, regulatory licence). Unmatched branch and agency-outlet reach into China's rural and county-level population via the postal network.
Headquarters: Beijing, China · Founded: 2007 · Employees: 196,779
Size Postal Savings Bank of China (1658.HK) is a Hong Kong Financials company (Regional Banks) with a market value of $71.2B, the 27th largest of 891 Hong Kong companies the cockpit tracks. Shares closed at HK$5.65 on 6 Nov 2026.
Performance Over six months the shares gained 9.5%, against +7.6% for the median peer and -13.4% for the Hong Kong market (cap-weighted) — 7th highest of 21 in its peer set.
Growth Revenue grew 2.5% over the last twelve months (peer median +3.8%); the operating margin is 25.5% (peer median 35.1%).
Valuation It trades at 0.54× book value against a peer median of 1.29× (3rd cheapest of 21).
Price implies The share price implies a return on equity of about 5.7%; Postal Savings Bank of China delivers 8.8%, so the price asks less than the business earns today.
Next results Next results expected around 1 Apr 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | HK$640B | HK$614B | HK$628B | HK$632B | HK$641B |
| Revenue growth | — | -2% | -1% | -1% | — |
| Net income | HK$104B | HK$87.0B | HK$86.9B | HK$89.5B | HK$99.1B |
| Free cash flow | HK$126B | HK$98.2B | HK$50.1B | HK$119B | HK$90.1B |
| Capital expenditure | HK$13.5B | HK$14.9B | HK$22.1B | HK$14.3B | HK$14.4B |
| Total debt | HK$1.27T | HK$1.05T | HK$910B | HK$995B | HK$653B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Postal Savings Bank of China 1658.HK | $71.2B | +10% | +2% | 9% | 0.54× | 5.7% |
| Agricultural Bank of China 1288.HK | $384B | +15% | +7% | 11% | 0.71× | 5.3% |
| CCB 0939.HK | $361B | +22% | +6% | 10% | 0.64× | 5.1% |
| ICBC 1398.HK | $433B | +14% | -5% | 9% | 0.60× | 4.9% |
| China CITIC Bank 0998.HK | $73.0B | 0% | -1% | 9% | 0.45× | 4.5% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 1658.HK | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +5.3% | +2.5% | 7th highest of 21 |
| 6-month return | +9.5% | +7.6% | 7th highest of 21 |
| Return on equity | 8.8% | 10.8% | 4th lowest of 21 |
| Price / book | 0.54× | 1.29× | 3rd cheapest of 21 |
| Trailing P/E | 6.5× | 12.7× | 3rd cheapest of 20 |
| ROE the price implies | 5.7% | 9.3% | 5th least demanding of 21 |
| ROE delivered | 8.8% | 11.0% | 4th lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Postal Savings Bank of China 1658.HK | Hong Kong | $71.2B | +10% | +2% | 9% | 0.54× | 5.7% | 8.8% |
| Japan Post Bank 7182.T | Japan | $65.5B | +7% | +39% | 7% | 1.11× | 8.3% | 6.6% |
| Industrial Bank 601166.SS | China | $62.6B | +10% | -4% | 9% | 0.49× | 2.2% | 9.2% |
| Truist Financial TFC | United States | $59.2B | +1% | -5% | 8% | 1.06× | 9.6% | 8.2% |
| Nu Holdings Ltd. Class A NU | United States | $58.1B | -13% | +54% | 32% | 4.39× | 32.4% | 31.6% |
| CaixaBank CABK.MC | Spain | $91.9B | +7% | -2% | 16% | 2.05× | 13.3% | 16.5% |
| Credit Agricole ACA.PA | France | $53.7B | -8% | -1% | 9% | 0.68× | 8.1% | 8.9% |
| State Bank of India SBIN.NS | India | $99.5B | -7% | +6% | 15% | 1.40× | 20.7% | 14.6% |
| Shanghai Pudong Development Bank 600000.SS | China | $50.1B | +8% | -3% | 6% | 0.40× | 2.0% | 6.1% |
| Canadian Imperial Bank of Commerce CM.TO | Canada | $105B | +8% | 0% | 16% | 2.50× | 20.1% | 15.6% |
| Fifth Third Bancorp FITB | United States | $47.9B | +8% | +15% | 9% | 1.55× | 13.6% | 9.4% |
| Commerzbank CBK.DE | Germany | $46.3B | +4% | -3% | 10% | 1.36× | 10.3% | 10.3% |
| Ctbc Financial 2891.TW | Taiwan | $43.7B | +37% | +9% | 15% | 2.06× | 8.9% | 14.7% |
| ICICI Bank ICICIBANK.NS | India | $119B | +23% | +8% | 16% | 2.89× | 36.7% | 16.3% |
| Banca Monte dei Paschi di Siena BMPS.MI | Italy | $38.4B | +19% | +55% | 16% | 1.30× | 13.9% | 15.5% |
| KBFinancialGroup 105560.KS | South Korea | $37.5B | -5% | +32% | 10% | 0.99× | 5.6% | n/a |
| Bank of Jiangsu 600919.SS | China | $35.1B | +13% | +5% | 13% | 0.83× | 2.9% | 12.8% |
| Bank of Ningbo 002142.SZ | China | $34.0B | +3% | +3% | 13% | 0.92× | 7.0% | 13.3% |
| M&T Bank MTB | United States | $31.4B | +3% | 0% | 11% | 1.24× | 9.3% | 10.6% |
| Resona 8308.T | Japan | $30.8B | +9% | +17% | 9% | 1.57× | 8.7% | 9.3% |
| First Citizens BancShares FCNCA | United States | $25.2B | +16% | 0% | 11% | 1.29× | 9.3% | 11.0% |