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601658.SS$5.02+0.80%
Fair $5.02+0.0%

601658.SS

Postal Savings Bank of China Co., Ltd.

Financial Services / Banks - RegionalShanghai

$5.02

+0.04 (+0.80%)

Fairly Valued+0.0%Fair Value $5.02Fund rank 39/100 · Data gapFallback financials|
SA 34/D
F-Score: 4/9

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 35.0/100

Data gap 39/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 90/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

34/100

D

Piotroski

4/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 0unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified.
Thesis & Journal · 601658.SSLocal privado en este navegador · Postal Savings Bank of China Co., Ltd.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$602.9B

P/E

6.9x

↓

EV/EBITDA

N/A

•

ROE

7.5%

↑

Gross Margin

N/A

•

Debt/Equity

0.23

↓
52-Week Range$5
$5$6

TradingView lightweight chart

601658.SS price, volumen y niveles de valoración

Último $5.020Periodo -10.5%
Fair value: $5.020

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

+1.6%

FCF CAGR

-4.9%

FCF margin

112.8%

FCF / Net income

4.56x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $353.21B · net income $87.40B · FCF $398.30B

2022-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

24.7%-0.5% pts

FCF margin

112.8%-24.4% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$353.21B$353.21B$352.19B$341.36B$337.11B
Net Income$87.40B$87.40B$86.48B$86.27B$85.22B
EPS0.730.730.810.830.85
Net Margin24.7%24.7%24.6%25.3%25.3%
Balance Sheet
Debt/Equity0.230.230.240.280.14
Cash Flow
Free Cash Flow$398.30B$398.30B$376.93B$250.37B$462.51B
Returns
ROE7.5%7.5%8.4%9.0%10.3%
Valuation
P/E6.886.886.785.375.56
P/B0.480.480.530.460.53
Growth & Yield
Revenue Growth0.3%0.3%3.2%1.3%—
EPS Growth-9.9%-9.9%-2.4%-2.4%—
Dividend Yield4.8%4.8%———

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

-15.2%

fácil

EPS terminal req.

$0.45

Spread vs growth

5.3%

5Y implied EPS CAGR

-5.9%

fácil

EPS terminal req.

$0.54

Spread vs growth

-4.0%

10Y implied EPS CAGR

1.7%

fácil

EPS terminal req.

$0.87

Spread vs growth

-11.6%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total -0.5%

Total return

-0.5%

Start / end P/E

6.5x → 6.9x

EPS bridge

0.81 → 0.73

Residual

-0.5%

EPS growth-9.9%
Multiple rerating+5.1%
Dividend+4.8%
Residual / FX / buybacks / cross-term-0.5%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.