Postal Savings Bank of China Co., Ltd. Logo

Postal Savings Bank of China Co., Ltd.

PSBKF

(0.2)
Stock Price

0,60 USD

0.49% ROA

10.11% ROE

0.69x PER

Market Cap.

56.585.209.205,00 USD

78.88% DER

476.62% Yield

14.06% NPM

Postal Savings Bank of China Co., Ltd. Stock Analysis

Postal Savings Bank of China Co., Ltd. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Postal Savings Bank of China Co., Ltd. Fundamental Stock Analysis
# Analysis Rating
1 Dividend

The company has consistently provided dividends over the past three years, indicating a reliable source of income for investors.

2 ROE

Unidentified ROE

3 ROA

Unidentified ROA

4 PBV

Unidentified ROA

5 DER

Unidentified DER

6 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

7 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

8 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Graham Number

Unidentified Graham Number

10 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

11 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is overpriced (0), presenting a possible disadvantage for investors as its market price surpasses its estimated intrinsic value.

Postal Savings Bank of China Co., Ltd. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Postal Savings Bank of China Co., Ltd. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Sell
4 Stoch RSI Sell

Postal Savings Bank of China Co., Ltd. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Postal Savings Bank of China Co., Ltd. Revenue
Year Revenue Growth
2015 50.738.364.628
2016 47.532.449.375 -6.74%
2017 51.621.410.913 7.92%
2018 60.353.313.986 14.47%
2019 63.628.725.386 5.15%
2020 67.049.880.508 5.1%
2021 78.363.491.338 14.44%
2022 82.848.351.930 5.41%
2023 82.245.974.050 -0.73%
2024 78.935.447.792 -4.19%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Postal Savings Bank of China Co., Ltd. Research and Development Expenses
Year Research and Development Expenses Growth
2015 0
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Postal Savings Bank of China Co., Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2015 0
2016 0 0%
2017 0 0%
2018 0 0%
2019 4.883.022 100%
2020 36.000.000 86.44%
2021 30.000.000 -20%
2022 30.000.000 0%
2023 35.000.000 14.29%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Postal Savings Bank of China Co., Ltd. EBITDA
Year EBITDA Growth
2015 766.971.392
2016 710.561.937 -7.94%
2017 668.195.366 -6.34%
2018 686.374.640 2.65%
2019 -373.982.106 283.53%
2020 10.913.688.062 103.43%
2021 15.871.380.291 31.24%
2022 14.689.955.140 -8.04%
2023 944.614.510 -1455.13%
2024 1.549.531.544 39.04%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Postal Savings Bank of China Co., Ltd. Gross Profit
Year Gross Profit Growth
2015 50.738.364.628
2016 47.532.449.375 -6.74%
2017 51.621.410.913 7.92%
2018 60.353.313.986 14.47%
2019 63.628.725.385 5.15%
2020 67.049.880.507 5.1%
2021 78.363.491.337 14.44%
2022 82.848.351.929 5.41%
2023 82.245.974.050 -0.73%
2024 78.935.447.792 -4.19%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Postal Savings Bank of China Co., Ltd. Net Profit
Year Net Profit Growth
2015 5.548.009.086
2016 5.998.107.257 7.5%
2017 7.033.456.878 14.72%
2018 7.913.807.324 11.12%
2019 8.867.390.444 10.75%
2020 9.303.764.008 4.69%
2021 11.315.417.264 17.78%
2022 12.049.624.644 6.09%
2023 11.452.796.627 -5.21%
2024 12.653.309.880 9.49%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Postal Savings Bank of China Co., Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2015 1
2016 1 0%
2017 1 0%
2018 1 0%
2019 0 0%
2020 1 0%
2021 1 0%
2022 1 100%
2023 1 0%
2024 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Postal Savings Bank of China Co., Ltd. Free Cashflow
Year Free Cashflow Growth
2015 7.653.639.202
2016 1.388.270.748 -451.31%
2017 2.459.637.470 43.56%
2018 10.881.087.951 77.4%
2019 14.292.342.129 23.87%
2020 21.938.965.065 34.85%
2021 16.606.701.597 -32.11%
2022 11.536.504.094 -43.95%
2023 12.834.845.325 10.12%
2024 104.952.281.924 87.77%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Postal Savings Bank of China Co., Ltd. Operating Cashflow
Year Operating Cashflow Growth
2015 8.562.418.337
2016 2.504.222.212 -241.92%
2017 3.765.642.276 33.5%
2018 11.838.411.893 68.19%
2019 15.272.320.256 22.48%
2020 23.036.159.683 33.7%
2021 18.747.602.405 -22.88%
2022 13.382.666.286 -40.09%
2023 14.668.758.444 8.77%
2024 105.617.413.338 86.11%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Postal Savings Bank of China Co., Ltd. Capital Expenditure
Year Capital Expenditure Growth
2015 908.779.135
2016 1.115.951.464 18.56%
2017 1.306.004.806 14.55%
2018 957.323.942 -36.42%
2019 979.978.127 2.31%
2020 1.097.194.618 10.68%
2021 2.140.900.808 48.75%
2022 1.846.162.192 -15.96%
2023 1.833.913.119 -0.67%
2024 665.131.414 -175.72%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Postal Savings Bank of China Co., Ltd. Equity
Year Equity Growth
2015 41.707.373.413
2016 49.915.533.491 16.44%
2017 66.240.325.551 24.64%
2018 69.230.085.788 4.32%
2019 78.223.150.579 11.5%
2020 90.666.534.144 13.72%
2021 107.536.967.711 15.69%
2022 98.568.514.801 -9.1%
2023 110.884.711.804 11.11%
2024 110.992.256.566 0.1%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Postal Savings Bank of China Co., Ltd. Assets
Year Assets Growth
2015 1.123.880.590.119
2016 1.189.383.696.668 5.51%
2017 1.383.991.246.928 14.06%
2018 1.386.051.094.571 0.15%
2019 1.466.811.519.301 5.51%
2020 1.736.173.430.380 15.51%
2021 1.974.525.597.751 12.07%
2022 2.021.776.734.180 2.34%
2023 2.216.852.835.636 8.8%
2024 2.257.988.681.313 1.82%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Postal Savings Bank of China Co., Ltd. Liabilities
Year Liabilities Growth
2015 1.082.173.216.705
2016 1.139.468.163.177 5.03%
2017 1.317.750.921.375 13.53%
2018 1.316.821.008.782 -0.07%
2019 1.388.588.368.721 5.17%
2020 1.645.506.896.235 15.61%
2021 1.866.988.630.038 11.86%
2022 1.923.208.219.377 2.92%
2023 2.105.968.123.831 8.68%
2024 2.146.996.424.746 1.91%

Postal Savings Bank of China Co., Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
6.22
Net Income per Share
0.87
Price to Earning Ratio
0.69x
Price To Sales Ratio
0.72x
POCF Ratio
0.06
PFCF Ratio
0.46
Price to Book Ratio
0.07
EV to Sales
-22.47
EV Over EBITDA
-443.52
EV to Operating CashFlow
-14.32
EV to FreeCashFlow
-14.56
Earnings Yield
1.46
FreeCashFlow Yield
2.15
Market Cap
56,59 Bil.
Enterprise Value
-1.773,37 Bil.
Graham Number
13.1
Graham NetNet
-175.86

Income Statement Metrics

Net Income per Share
0.87
Income Quality
11.16
ROE
0.1
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.89
EBT Per Ebit
2.47
Ebit per Revenue
0.06
Effective Tax Rate
0.05

Margins

Sales, General, & Administrative to Revenue
0.37
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.01
Operating Profit Margin
0.06
Pretax Profit Margin
0.16
Net Profit Margin
0.14

Dividends

Dividend Yield
4.77
Dividend Yield %
476.62
Payout Ratio
3.84
Dividend Per Share
2.86

Operating Metrics

Operating Cashflow per Share
9.76
Free CashFlow per Share
9.6
Capex to Operating CashFlow
0.02
Capex to Revenue
0.03
Capex to Depreciation
0.29
Return on Invested Capital
0.02
Return on Tangible Assets
0
Days Sales Outstanding
81.9
Days Payables Outstanding
-560.98
Days of Inventory on Hand
-148858.25
Receivables Turnover
4.46
Payables Turnover
-0.65
Inventory Turnover
-0
Capex per Share
0.16

Balance Sheet

Cash per Share
-14,18
Book Value per Share
8,74
Tangible Book Value per Share
8.07
Shareholders Equity per Share
8.72
Interest Debt per Share
20.03
Debt to Equity
0.79
Debt to Assets
0.04
Net Debt to EBITDA
-457.67
Current Ratio
0.73
Tangible Asset Value
102,51 Bil.
Net Current Asset Value
-1.714,91 Bil.
Invested Capital
-144831557899
Working Capital
-162,53 Bil.
Intangibles to Total Assets
0
Average Receivables
8,86 Bil.
Average Payables
0,31 Bil.
Average Inventory
81167032817.5
Debt to Market Cap
1.54

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Postal Savings Bank of China Co., Ltd. Dividends
Year Dividends Growth
2021 0
2022 0 0%
2023 0 0%
2024 3 100%

Postal Savings Bank of China Co., Ltd. Profile

About Postal Savings Bank of China Co., Ltd.

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. Its Personal Banking segment offers savings products, such as demand, time, personal call, time/demand optional, and foreign currency deposits; passbooks; certificate of deposits; micro, personal pledged, and personal business loans; debit and credit cards; wealth management products and funds; and insurance agency services. This segment is also involved in distribution of fund products, electronic bonds, and precious metals; and provides payment and collection agency, various settlement, domestic remittance and exchange, cross-border remittance, personal exchange settlement and sale, and foreign currency exchange services. The company's Corporate Banking segment provides time, demand, call, and negotiated deposits; working capital, fixed asset, trade finance, stock pledge, land reserve, syndicated, real estate development, property mortgage, and consignment loans; cash management services; negotiable instruments; trade finance and international settlement services; and financial markets services. Its Treasury segment offers interbank lending transactions, repurchase and resale transactions, debt instrument investments, equity instrument investment, investment banking, bond securities, and wealth management products, etc., as well as trades in financial products comprising money market, fixed income, and foreign exchange products, as well as derivatives and precious metals. The company also provides online, mobile, and self-service banking services. As of December 31, 2021, it had 39,603 outlets, including 7,828 directly operated outlets and 31,775 agency outlets. The company was founded in 2007 and is headquartered in Beijing, the People's Republic of China. Postal Savings Bank of China Co., Ltd. is a subsidiary of China Post Group Corporation.

CEO
Mr. Jianjun Liu
Employee
178.084
Address
No. 3 Financial Street
Beijing, 100808

Postal Savings Bank of China Co., Ltd. Executives & BODs

Postal Savings Bank of China Co., Ltd. Executives & BODs
# Name Age
1 Mr. Chunye Du
Vice President, Secretary to the Board & Joint Company Secretary
70
2 Mr. Xueming Xu
Vice President
70
3 Mr. Yucheng Liu
General Manager of Finance & Accounting Department
70
4 Ms. Fei Wang
Secretary of the Commission for Discipline Inspection
70
5 Mr. Jianjun Liu
Chairman & President
70
6 Lina Liu
Vice-General Manager of Wealth Management
70
7 Mr. Xinzhuang Niu
Vice President & Chief Information Officer
70
8 Ms. Hong Yao
Vice President, Chief Risk Officer & Executive Director
70
9 Mr. Shidong Liang
Chief Retail Banking Officer
70

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