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China's largest retail bank by branch count, built on the postal network to serve rural and county-level customers.
China's largest retail bank by branch count, built on the postal network to serve rural and county-level customers.
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 Shanghai shares, listed in 2019, and the Hong Kong ones are the same bank.
In one line: China's US Bancorp, but rural-focused via post offices.
Moat: narrow (distribution, scale, installed base). Unmatched branch network via China Post outlets reaches rural customers competitors can't easily access.
Headquarters: Beijing, China · Founded: 2007 · Employees: 196,779
Size Postal Savings Bank of China (601658.SS) is a China Financials company (Regional Banks) with a market value of $69.7B, the 26th largest of 4,839 China companies the cockpit tracks. Shares closed at CN¥5.53 on 6 Nov 2026.
Performance Over six months the shares gained 9.1%, against +7.6% for the median peer and -16.4% for the China market (cap-weighted) — 7th highest of 21 in its peer set.
Growth Revenue fell 2.4% over the last twelve months (peer median +3.8%); the operating margin is 25.4% (peer median 35.1%).
Valuation It trades at 0.62× 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 2.7%; Postal Savings Bank of China delivers 8.7%, 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 | CN¥564B | CN¥566B | CN¥580B | CN¥572B | CN¥551B |
| Revenue growth | — | -2% | +1% | +4% | — |
| Net income | CN¥90.9B | CN¥80.2B | CN¥80.1B | CN¥81.0B | CN¥85.2B |
| Free cash flow | CN¥108B | CN¥90.6B | CN¥46.2B | CN¥108B | CN¥77.5B |
| Capital expenditure | CN¥11.9B | CN¥13.8B | CN¥20.4B | CN¥13.0B | CN¥12.4B |
| Total debt | CN¥1.08T | CN¥940B | CN¥855B | CN¥904B | CN¥582B |
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 601658.SS | $69.7B | +9% | -2% | 9% | 0.62× | 2.7% |
| Agricultural Bank of China 601288.SS | $375B | +5% | -4% | 11% | 0.88× | 3.0% |
| China Construction Bank 601939.SS | $358B | +20% | -5% | 10% | 0.87× | 3.0% |
| Industrial and Commercial Bank of China 601398.SS | $428B | +13% | -4% | 10% | 0.75× | 2.7% |
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 | 601658.SS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +0.7% | +2.5% | 9th lowest of 21 |
| 6-month return | +9.1% | +7.6% | 7th highest of 21 |
| Return on equity | 8.7% | 10.8% | 4th lowest of 21 |
| Price / book | 0.62× | 1.29× | 3rd cheapest of 21 |
| Trailing P/E | 7.3× | 12.7× | 5th cheapest of 20 |
| ROE the price implies | 2.7% | 9.3% | 3rd least demanding of 21 |
| ROE delivered | 8.7% | 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 601658.SS | China | $69.7B | +9% | -2% | 9% | 0.62× | 2.7% | 8.7% |
| 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% |
| Credit Agricole ACA.PA | France | $53.7B | -8% | -1% | 9% | 0.68× | 8.1% | 8.9% |
| CaixaBank CABK.MC | Spain | $91.9B | +7% | -2% | 16% | 2.05× | 13.3% | 16.5% |
| Shanghai Pudong Development Bank 600000.SS | China | $50.1B | +8% | -3% | 6% | 0.40× | 2.0% | 6.1% |
| State Bank of India SBIN.NS | India | $99.5B | -7% | +6% | 15% | 1.40× | 20.7% | 14.6% |
| 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% |
| Canadian Imperial Bank of Commerce CM.TO | Canada | $105B | +8% | 0% | 16% | 2.50× | 20.1% | 15.6% |
| 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% |