What is Postal Savings Bank of China Co., Ltd.'s (601658.SS) StockRank?

MoatMap's StockRank for Postal Savings Bank of China Co., Ltd. (601658.SS) is 25/100, with a Sell signal. This is a composite score combining Quality (31), Value (56), and Momentum (25) factor ranks across MoatMap's 20,000+ stock universe.

Does Postal Savings Bank of China Co., Ltd. have an economic moat?

Postal Savings Bank of China Co., Ltd. (601658.SS) has a Quality factor score of 31/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Postal Savings Bank of China Co., Ltd. a buy, hold, or sell?

MoatMap's current signal for Postal Savings Bank of China Co., Ltd. (601658.SS) is Sell, based on a StockRank of 25/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Postal Savings Bank of China Co., Ltd. in?

Postal Savings Bank of China Co., Ltd. (601658.SS) operates in the Financial Services sector, specifically the Banks - Regional industry (China).

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601658.SS

SELLREMOVE

Postal Savings Bank of China Co., Ltd. · Financial Services · China · $87.3B · Avg Vol: $110M/d

StockRank

P/E (TTM)

7.0x

ROE

8.2%

D/E

—

Dividend %

4.2%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

Postal Savings Bank of China is a massive state-owned bank. While it has a large retail deposit base, it is subject to state-directed lending mandates and lacks the high-ROIC, asset-light profile of a true compounder.

COMPANY DESCRIPTION

Postal Savings Bank of China Co., Ltd. is a leading commercial retail bank leveraging the vast national postal network to serve over 600 million customers. The bank possesses a unique business model that provides access to an unparalleled distribution network in rural and county-level markets, yielding a highly stable and low-cost deposit base. It maintains superior asset quality with a historically low non-performing loan ratio compared to its state-owned peers.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR
Revenue	49.8B	50.4B	52.0B	52.2B	1.6%
EPS	0.13	0.12	0.12	0.11	-4.9%
Shares	92.4B	99.2B	99.2B	120.1B	+30.0%
Debt	16.5B	40.0B	37.1B	38.7B	32.9%
Equity	121.8B	141.1B	152.2B	171.4B	12.1%
Op CF	70.2B	38.9B	58.7B	60.9B	-4.6%
Inv CF	-75.6B	-35.8B	-71.0B	-26.0B	—
Fin CF	-5.6B	28.4B	-4.5B	6.8B	—

PRICE (1Y)-2.2%

SMA 50SMA 200

$0.73

RSI (14)

49.5

52W High

$0.93

From 52W High

0.8%

SCORE BREAKDOWN

Quality

ROIC (ROA)

0.5%*22.1

ROE

8.2%37.8

GP/Assets

1.7%17.7

Op. Margin

35.2%52.7

FCF/Assets

—N/A

Piotroski

446.1

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

7.0x83.5

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

0.6x87.6

P/S

1.9x75.9

Div Yield

4.2%59.5

Momentum

52W High %

78%25.5

RS 6M

-16%27.2

SMA 50/200

0.94x18.5

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

+2%22.0

Q Growth

2%33.0

FUNDAMENTALS

Market Cap

$87.3B

P/E (Forward)

6.9x

Gross Margin

0.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of 601658.SS are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
601658.SS	Postal Savings Bank of China Co., Ltd.(you)	$87.3B	25	SELL
NU	Nu Holdings Ltd.	$62.8B	23	SELL
DBN.MX	Deutsche Bank Aktiengesellschaft	$68.7B	28	SELL
7182.T	JAPAN POST BANK Co., Ltd.	$72.1B	30	SELL
8411.T	Mizuho Financial Group, Inc.	$121.3B	29	SELL
601166.SS	Industrial Bank Co., Ltd.	$55.4B	28	SELL
NDA-SE.ST	Nordea Bank Abp	$65.2B	34	SELL
600000.SS	Shanghai Pudong Development Bank Co., Ltd.	$45.1B	21	SELL
HDB	HDFC Bank Limited	$129.5B	16	STRONG SELL
O39.SI	Oversea-Chinese Banking Corporation Limited	$86.8B	42	HOLD

Peer medians: ROE 10.1% · P/E 12.6x · Gross margin 19.2%

Postal Savings Bank of China Co., Ltd. (601658.SS) — Stock Score Summary

Postal Savings Bank of China Co., Ltd. (601658.SS) has a MoatMap StockRank of 25/100 based on Quality (31/100), Value (56/100), and Momentum (25/100) factor scores. The current signal is SELL. Postal Savings Bank of China is a massive state-owned bank. While it has a large retail deposit base, it is subject to state-directed lending mandates and lacks the high-ROIC, asset-light profile of a true compounder.

Key Financial Metrics

Price	$0.73
Market Cap	$87.3B
P/E (TTM)	7.00
P/E (Forward)	6.89
Price/Book	0.59
Return on Equity	8.2%
Gross Margin	0.0%
Operating Margin	35.2%
Revenue Growth	-0.3%
Dividend Yield	4.2%

Postal Savings Bank of China Co., Ltd. operates in the Banks - Regional industry, part of the Financial Services sector (China).

Frequently Asked Questions

What is Postal Savings Bank of China Co., Ltd.’s (601658.SS) StockRank?: MoatMap’s StockRank for Postal Savings Bank of China Co., Ltd. (601658.SS) is 25/100, with a Sell signal. It is a composite of Quality (31), Value (56), and Momentum (25) factor ranks across MoatMap’s 20,000+ stock universe.
Does Postal Savings Bank of China Co., Ltd. have an economic moat?: Postal Savings Bank of China Co., Ltd. (601658.SS) has a Quality factor score of 31/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Postal Savings Bank of China Co., Ltd. a buy, hold, or sell?: MoatMap’s current signal for Postal Savings Bank of China Co., Ltd. (601658.SS) is Sell, based on a StockRank of 25/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Postal Savings Bank of China Co., Ltd. in?: Postal Savings Bank of China Co., Ltd. (601658.SS) operates in the Financial Services sector, specifically the Banks - Regional industry (China).