Postal Savings Bank of China Co., Ltd. (601658.SS)
ValueMarkers Composite Index
64% below intrinsic value ($2)
Postal Savings Bank of China Co., Ltd. (601658.SS) — VMCI valuation read
Postal Savings Bank of China Co., Ltd. (601658.SS) carries a VMCI composite of 64/100, 14 points above the Financial Services sector median of 50. Among mid-cap names, that gap places 601658.SS in the top third on the five-pillar weighting (Value 35%, Quality 30%, Integrity 15%, Growth 12%, Risk 8%).
The 601658.SS insider tape has been silent for the past 30 days on Form 4. Where executives neither buy nor sell, the bull and bear cases lean harder on filings cadence and the next earnings line.
**Investor frame.** Value reads 601658.SS trades at 26.0x earnings, 44% above the Financial Services median of 18.0x, which compresses or extends through the 11.0x EV/EBITDA versus a Financial Services 12.0x. Quality: ROIC of 18.0% sits 8.0pp above the Financial Services median (10.0%). Risk: net debt to EBITDA of 2.3x is the rate-sensitivity line to watch, the line to track on Postal Savings Bank of China Co., Ltd.'s next 10-Q.
601658.SS rose 2.0% over the trailing 7 days, with a -18.5% read on a 30-day basis.
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.
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