POSTAL SAVINGS BANK H YC1PP

POSTAL SAVINGS BANK H YC1

0.540EURD
−0.005−0.92%
At close at Jan 10, 21:55 UTC
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3YB fundamentals

Key facts

Market capitalization‪58.38 B‬EUR
Founded1919
Employees (FY)‪197.15 K‬
CEO
Websitepsbc.com
About

Postal Savings Bank of China Co., Ltd. engages in the provision of banking and related financial services. It operates through the following segments: Personal Banking, Corporate Banking, Treasury, and Others. The Personal Banking segment refers to the provision of financial products and services to individual customers. The Corporate Banking segment is involved in the provision of financial products and services to corporations, government agencies and financial institutions. The Treasury segment covers businesses including deposits and placements with banks and other financial institutions and wealth management products. The Others segment includes items that are not attributed to the above segments or cannot be allocated on a reasonable basis. The company was founded in 1919 and is headquartered in Beijing, China.

Ownership
‪‪19.86 B‬‬
Closely held shares
‪‪11.70 B‬‬ (58.94%)
Free Float shares
‪‪8.15 B‬‬ (41.06%)
Closely held shares
‪‪11.70 B‬‬ (58.94%)
Free Float shares
‪‪8.15 B‬‬ (41.06%)
Capital structure
Market cap
‪‪58.38 B‬‬
Debt
‪‪104.50 B‬‬
Minority interest
‪‪244.00 M‬‬
Cash & equivalents
‪‪161.68 B‬‬
Enterprise value
‪‪1.45 B‬‬

Valuation

Fundamental metrics to determine fair value of the stock

Summary
‪‪58.38 B‬‬
Price to earning ratio (P/E)
4.92x
Price to sales ratio (P/S)
0.69x
Market Cap
Net income
Revenue
Price to earning ratio (P/E)
4.92x
Price to sales ratio (P/S)
0.69x
Valuation ratios
‪0.00‬
‪0.20‬
‪0.40‬
‪0.60‬
‪0.80‬
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪0.00‬
‪1.50‬
‪3.00‬
‪4.50‬
‪6.00‬
P/E
P/S

Growth and Profitability

Company’s recent performance and margins

Performance
‪3.5%‬
‪7.5%‬
‪11.5%‬
‪15.5%‬
‪19.5%‬
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪0.00‬
‪‪5.00 B‬‬
‪‪10.00 B‬‬
‪‪15.00 B‬‬
‪‪20.00 B‬‬
Total revenue
Net income
Net margin %
Revenue to profit conversion
Total revenue
Int. expense & PCL
Non-int. expense
Op income
Unusual income/ expense
Pretax income
Taxes & Other
Net income
‪0.00‬
‪‪5.00 B‬‬
‪‪10.00 B‬‬
‪‪15.00 B‬‬
‪‪20.00 B‬‬
Total revenue
Int. & Non-int. expenses
Op income
Expenses & adjustments
Net income
‪0.00‬
‪‪5.00 B‬‬
‪‪10.00 B‬‬
‪‪15.00 B‬‬
‪‪20.00 B‬‬

Revenue breakdown

Revenue streams and regions a business earns money from

By source/business
Period: 2023
Personal Banking
Corporate Banking
Treasury
Other
By country
Period: 2023
China

Estimates

Revenue and Earnings forecasts and estimates accuracy

Revenue
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪0.00‬
‪‪3.00 B‬‬
‪‪6.00 B‬‬
‪‪9.00 B‬‬
‪‪12.00 B‬‬
Actual
Estimate
Earnings
Next:Mar 26
Q4 '23
Q1 '24
Q2 '24
Q3 '24
Q4 '24
‪0.00‬
‪0.01‬
‪0.02‬
‪0.03‬
‪0.04‬
Actual
Estimate

Dividends

Dividend yield, history and sustainability

Dividend summary
50.19%
Earnings retained
Payout ratio (TTM)
Dividend yield TTM
10.04%
Last payment
0.02
Last ex-date
Dec 27, 2024
Dividend history
‪4%‬
‪5%‬
‪6%‬
‪7%‬
‪8%‬
2019
2020
2021
2022
2023
‪0.00‬
‪0.01‬
‪0.02‬
‪0.03‬
‪0.04‬
Dividends per share (FY)
Dividend yield (FY) %

Financial health

Financial position and solvency of the company

Loans and customer deposits
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪‪−700.00 B‬‬
‪0.00‬
‪‪700.00 B‬‬
‪‪1.40 T‬‬
‪‪2.10 T‬‬
Net loans
Total deposits
Loan loss allowances
Capital adequacy analysis
Q3 '23
Q4 '23
Q1 '24
Q2 '24
Q3 '24
‪0.00‬
‪4.00‬
‪8.00‬
‪12.00‬
‪16.00‬
Common equity Tier 1 ratio
Tier 1 capital ratio
Total capital ratio