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PSTVY

Postal Savings Bank of China Co., Ltd.

USD

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Price alert · PSTVY

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14.32 USD -0.02 -0.16%
As of Oct 30, 2026
14.10 Day range 14.10
10.65 52-week range 14.95
YTD
+5.18%
1 year
+6.83%
Open
14.10
Prev close
14.34
Mkt cap
96.41B
Vol
500
Avg vol
2.04K
EPS
1.99
P/E
7.19
More statistics
Low
14.10
High
14.10

5D chart

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Financial health

Altman Z-Score

0.13 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 1
  • Debt / Equity 2
  • P/E 4
  • P/B 5

Valuation

P/E 7.3×
FY 2016: 9.5×FY 2017: 7.5×FY 2018: 6.1×FY 2019: 5.6×FY 2020: 5.3×FY 2021: 6.0×FY 2022: 5.0×FY 2023: 4.0×FY 2024: 0.3×FY 2025: 7.3×
FY 2016 5y median 5.0× FY 2025
P/S 1.0×
FY 2016: 3.4×FY 2017: 2.8×FY 2018: 1.6×FY 2019: 1.6×FY 2020: 1.4×FY 2021: 0.9×FY 2022: 0.7×FY 2023: 1.0×FY 2024: 0.1×FY 2025: 1.0×
FY 2016 5y median 0.9× FY 2025
P/B 0.6×
FY 2016: 1.1×FY 2017: 0.8×FY 2018: 0.6×FY 2019: 0.6×FY 2020: 0.6×FY 2021: 0.6×FY 2022: 0.6×FY 2023: 0.4×FY 2024: 0.0×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025
P/FCF 1.4×
FY 2016: 1.8×FY 2017: -1.0×FY 2018: 1.7×FY 2019: 16.5×FY 2020: 2.1×FY 2021: 4.5×FY 2022: 0.9×FY 2023: 1.3×FY 2024: 0.1×FY 2025: 1.4×
FY 2016 5y median 1.3× FY 2025
EV/EBITDA 1.8×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: -3.4×FY 2022: -2.7×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 1.8×
FY 2016 5y median 0.0× FY 2025
EV/Sales 0.3×
FY 2016: -4.1×FY 2017: -5.9×FY 2018: -3.0×FY 2019: -2.7×FY 2020: -2.4×FY 2021: -0.6×FY 2022: -0.5×FY 2023: -0.4×FY 2024: -1.4×FY 2025: 0.3×
FY 2016 5y median -0.5× FY 2025
FCF Yield 69.7%
FY 2016: 56.4%FY 2017: -105.1%FY 2018: 58.1%FY 2019: 6.1%FY 2020: 47.3%FY 2021: 22.4%FY 2022: 117.5%FY 2023: 78.1%FY 2024: 1743.2%FY 2025: 69.7%
FY 2016 5y median 78.1% FY 2025

Profitability

Gross Margin 59.0%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 55.9%FY 2022: 55.8%FY 2023: 100.0%FY 2024: 100.0%FY 2025: 59.0%
FY 2016 5y median 59.0% FY 2025
Operating Margin 17.4%
FY 2016: 38.6%FY 2017: 39.5%FY 2018: 28.4%FY 2019: 31.7%FY 2020: 74.8%FY 2021: 16.7%FY 2022: 17.0%FY 2023: 75.9%FY 2024: 39.3%FY 2025: 17.4%
FY 2016 5y median 17.4% FY 2025
Net Margin 15.5%
FY 2016: 35.8%FY 2017: 36.9%FY 2018: 26.5%FY 2019: 29.1%FY 2020: 27.2%FY 2021: 15.6%FY 2022: 15.8%FY 2023: 27.2%FY 2024: 27.0%FY 2025: 15.5%
FY 2016 5y median 15.8% FY 2025
ROE 8.4%
FY 2016: 11.5%FY 2017: 10.9%FY 2018: 10.5%FY 2019: 10.9%FY 2020: 10.9%FY 2021: 11.1%FY 2022: 12.6%FY 2023: 11.0%FY 2024: 10.4%FY 2025: 8.4%
FY 2016 5y median 11.0% FY 2025
ROIC 0.5%
FY 2016: 0.5%FY 2017: 0.5%FY 2018: 0.5%FY 2019: 0.6%FY 2020: 1.5%FY 2021: 0.6%FY 2022: 0.6%FY 2023: 1.4%FY 2024: 0.7%FY 2025: 0.5%
FY 2016 5y median 0.6% FY 2025
ROA 0.5%
FY 2016: 0.5%FY 2017: 0.5%FY 2018: 0.5%FY 2019: 0.6%FY 2020: 0.6%FY 2021: 0.6%FY 2022: 0.6%FY 2023: 0.5%FY 2024: 0.5%FY 2025: 0.5%
FY 2016 5y median 0.5% FY 2025

Growth (YoY)

Revenue 71.4%
FY 2016: 0.6%FY 2017: 16.2%FY 2018: 45.5%FY 2019: 6.8%FY 2020: 17.5%FY 2021: 106.5%FY 2022: 10.3%FY 2023: -41.1%FY 2024: 1.3%FY 2025: 71.4%
FY 2016 FY 2025
Operating Income -24.3%
FY 2016: 3.8%FY 2017: 18.9%FY 2018: 4.6%FY 2019: 19.1%FY 2020: 177.7%FY 2021: -53.9%FY 2022: 12.2%FY 2023: 163.3%FY 2024: -47.5%FY 2025: -24.3%
FY 2016 FY 2025
EPS (diluted) -96.0%
FY 2016: -12.5%FY 2017: 18.4%FY 2018: 15.5%FY 2019: 7.5%FY 2020: -1.4%FY 2021: 8.5%FY 2022: 10.4%FY 2023: -2.4%FY 2024: 1847.0%FY 2025: -96.0%
FY 2016 FY 2025
Free Cash Flow 5.7%
FY 2016: -76.9%FY 2017: -275.5%FY 2018: 147.7%FY 2019: -88.9%FY 2020: 682.4%FY 2021: -37.9%FY 2022: 383.3%FY 2023: -45.9%FY 2024: 50.5%FY 2025: 5.7%
FY 2016 FY 2025

Financial Health

Current Ratio 4.4×
FY 2016: 3.5×FY 2017: 7.1×FY 2018: 5.8×FY 2019: 8.3×FY 2020: 11.5×FY 2021: 6.0×FY 2022: 7.1×FY 2023: 4.4×FY 2024: 5.0×FY 2025: 4.4×
FY 2016 5y median 5.0× FY 2025
Quick Ratio 4.4×
FY 2016: 3.5×FY 2017: 7.1×FY 2018: 5.8×FY 2019: 8.3×FY 2020: 11.5×FY 2021: 6.0×FY 2022: 7.1×FY 2023: 4.4×FY 2024: 5.0×FY 2025: 4.4×
FY 2016 5y median 5.0× FY 2025
Debt / Equity 0.9×
FY 2016: 1.4×FY 2017: 0.7×FY 2018: 0.7×FY 2019: 0.5×FY 2020: 0.5×FY 2021: 0.7×FY 2022: 0.9×FY 2023: 1.2×FY 2024: 1.0×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025
Net Debt / EBITDA -3.5×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: -8.2×FY 2022: -6.5×FY 2023: 0.0×FY 2024: 0.0×FY 2025: -3.5×
FY 2016 5y median -3.5× FY 2025
Interest Coverage 0.5×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 1.1×FY 2021: 0.4×FY 2022: 0.5×FY 2023: 1.1×FY 2024: 0.6×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025

Dividends

Dividend Yield 6.2%
FY 2016: 2.4%FY 2017: 1.7%FY 2018: 4.7%FY 2019: 5.6%FY 2020: 7.3%FY 2021: 6.2%FY 2022: 8.3%FY 2023: 11.9%FY 2024: 174.1%FY 2025: 6.2%
FY 2016 5y median 8.3% FY 2025
Payout Ratio 41.7%
FY 2016: 22.6%FY 2017: 12.5%FY 2018: 28.7%FY 2019: 31.1%FY 2020: 37.2%FY 2021: 34.8%FY 2022: 38.2%FY 2023: 44.1%FY 2024: 43.5%FY 2025: 41.7%
FY 2016 5y median 41.7% FY 2025

Annual · latest fiscal year ends 2025-12-31