Postal Savings Bank of China Co (601658) Fair Value & Analysis
Financial Services · CN · Market cap 605B CNY
Fair value as of: Jul 13, 2026
From 26 valuation models · updated 25 days ago
Share price +0.9% over the past month.
Below-average quality, screening 69% undervalued on our models.
What matters now
- The price is below even our cautious bear case (¥6.30). The market is more pessimistic than our downside scenario.
- Solid quality (45/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 13, 2026.
How to read this chart
60‑month range ¥3.68 – ¥6.39 · fair‑value band ¥6.30 – ¥10.51 · the ¥4.97 price screens below the ¥8.41 fair value. Dashed = 300-day average. As of Jul 13, 2026.
Analysis
Postal Savings Bank of China Co (601658) currently trades at ¥4.97, while our model-based Fair Value estimate is ¥8.41, implying the stock looks roughly 69.1% undervalued today. We read business quality at 45/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Postal Savings Bank of China Co generated revenue of 323B CNY at a net margin of 27.2%. Revenue declined 0.3% year over year. It earns a return on equity of 8.2%. The balance sheet holds a net cash position of 390B CNY. Fundamentals as of Jul 13, 2026
Our scenario range runs from ¥6.30 (bear case) to ¥10.51 (bull case); at ¥4.97, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 23% below its 52-week high and 2% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 69%, 601658 screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 26 models by family
Widest divergence: DCF Models (¥29.80) versus Dividend Discount (¥6.26). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 42 · Market factors (momentum, volatility) 47
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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, foreign currency exchange deposit; passbooks and certificate of deposits; credit, mortgage, government, farmer, and merchant express loan; business easy mix, agriculture aid plus, domestic remittance and exchange, and payment and collection agency; cross-border remittance, personal exchange settlement and sale, and foreign currency exchange services; personal housing, auto, consumer, and personal education loans; and bank cards, as well as online banking services. The company also provides pledge, syndicated, land reserve, town rebuild, commercial property mortgage, real estate development, fixed asset, project, and consignment loans. In addition, it offers check, promissory notes, bank and commercial draft, remittance, consignment collection, and collection with acceptance settlement services; accounts management, payments and collection, liquidity, investment and financing, information management, fund monitoring, and bank-enterprise direct link services; draft acceptance and discounting, draft manager, and electronic commercial draft services; foreign exchange deposit, foreign exchange settlement, sale, and conversion, settlement, and trade finance; custody services; and bill rediscount, interbank financing, investment, and market trading services. It operates through directly operated outlets and agency outlets. The company was founded in 2007 and is based in Beijing, China. Postal Savings Bank of China Co., Ltd. operates as a subsidiary of China Post Group Corporation Limited.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Postal Savings Bank of China Co reported revenue of ¥355B in FY2025 versus ¥272B in FY2021, a compound +6.8%/yr. Reported net income was ¥87.4B in FY2025, compounding +3.5%/yr from FY2021.
Watch 601658: get an alert when its fair value changes →
Peer Group
Banks - Regional · 1082 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
Compare Postal Savings Bank of China Co with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is Postal Savings Bank of China Co (601658) overvalued or undervalued?
What is the fair value of 601658?
What is the quality score of 601658?
What is the revenue of Postal Savings Bank of China Co (601658)?
What is the net profit margin of 601658?
Does Postal Savings Bank of China Co pay a dividend?
How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
Track Postal Savings Bank of China Co and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.