Postalvings Bank Of China Co (FRA:3YB) Net Loan: €1,080,367 Mil (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:3YB Postal Savings Bank Of China Co Ltd FRA:3YB
76 GF Score
Price €0.53
GF Value €0.54
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is Postalvings Bank Of China Co Net Loan?

Postalvings Bank Of China Co FRA:3YB +0.04% 76 Net Loan is €1,080,367 Mil as of Dec. 2025. GuruFocus rates FRA:3YB with a GF Score™ of 76/100 and a GF Value™ of €0.54 (Fairly Valued). The stock has 4 warning signs investors should review.

Postalvings Bank Of China Co's quarterly net loan increased from Jun. 2025 (€1,065,444 Mil) to Sep. 2025 (€1,128,786 Mil) but then declined from Sep. 2025 (€1,128,786 Mil) to Dec. 2025 (€1,080,367 Mil).

Postalvings Bank Of China Co's annual net loan increased from Dec. 2023 (€956,924 Mil) to Dec. 2024 (€1,128,786 Mil) and increased from Dec. 2024 (€1,128,786 Mil) to Dec. 2025 (€1,080,367 Mil).

Postalvings Bank Of China Co Net Loan Historical Data

* Premium members only.

The historical data trend for Postalvings Bank Of China Co's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Postalvings Bank Of China Co Net Loan Chart

Postalvings Bank Of China Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 863,461.15 877,793.13 956,924.47 1,074,493.12 1,080,366.99

Postalvings Bank Of China Co Quarterly Data
Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1,074,493.12 1,165,011.04 1,065,443.80 1,128,786.44 1,080,366.99
FRA:3YB
76GF Score
Postal Savings Bank Of China Co Ltd FRA:3YB
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Postalvings Bank Of China Co Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of €1,080,367 Mil mean?
Postalvings Bank Of China Co (FRA:3YB) has a Net Loan of €1,080,367 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Postalvings Bank Of China Co and its competitors.
Is Postalvings Bank Of China Co's Net Loan too high?
Postalvings Bank Of China Co's current Net Loan is €1,080,367 Mil. Overall, Postalvings Bank Of China Co has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Postalvings Bank Of China Co's Net Loan compare to competitors?
Postalvings Bank Of China Co's Net Loan of €1,080,367 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Postalvings Bank Of China Co and its competitors. Postalvings Bank Of China Co's current Net Loan is €1,080,367 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Postalvings Bank Of China Co stock overvalued right now?
Based on GuruFocus' analysis, Postalvings Bank Of China Co (FRA:3YB) is currently considered Fairly Valued. The stock's GF Value™ is €0.54, compared to a current price of €0.53 — trading 2.7% below its estimated fair value. The current Net Loan is €1,080,367 Mil. Postalvings Bank Of China Co's overall GF Score™ is 76/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Postalvings Bank Of China Co (FRA:3YB), the current Net Loan is €1,080,367 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Postalvings Bank Of China Co (FRA:3YB) Overvalued in 2026?

Based on GuruFocus' analysis, Postalvings Bank Of China Co stock appears to be undervalued. The current stock price of €0.53 is trading 2.7% below its estimated GF Value™ of €0.54. GuruFocus considers Postalvings Bank Of China Co to be Fairly Valued.

Key valuation signals for FRA:3YB:

  • Net Loan: €1,080,367 Mil
  • GF Value™: €0.54 vs. price of €0.53 (2.7% below fair value)
  • GF Score™: 76/100 with 4 warning signs

No single metric tells the full story. See the FRA:3YB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Postalvings Bank Of China Co Business Description

Address No. 3 Financial Street, Xicheng District, Beijing, CHN, 100808
Postal Savings Bank of China Co Ltd is a banking group conducting its operating activities in the People's Republic of China (PRC), and the principal activities include: personal and corporate financial services, treasury operations, and other business activities. The Group's main operating segments are: Personal banking, Corporate banking, Treasury, and Others. The majority of its revenue is generated from the Personal and Corporate banking businesses, which provide various financial products and services to individuals, corporations, government agencies, and financial institutions. The various services offered include current account settlement, deposits, personal loans, credit cards and debit cards, foreign currency, and wealth management products, etc.
76GF Score

Get the complete analysis for FRA:3YB

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.53
Price
€0.54
GF Value