Postalvings Bank Of China Co (SHSE:601658) Cyclically Adjusted Book per Share: ¥8.84 (As of Dec. 2025)

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SHSE:601658 Postal Savings Bank Of China Co Ltd SHSE:601658
56 GF Score
Price ¥5.05
GF Value ¥4.97
Valuation Fairly Valued
! 4 Warning Signs
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What is Postalvings Bank Of China Co Cyclically Adjusted Book per Share?

Postalvings Bank Of China Co SHSE:601658 56 Cyclically Adjusted Book per Share is ¥8.84 as of Dec. 2025. GuruFocus rates SHSE:601658 with a GF Score™ of 56/100 and a GF Value™ of ¥4.97 (Fairly Valued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Postalvings Bank Of China Co's adjusted book value per share data for the fiscal year that ended in Dec. 2025 was ¥9.660. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is ¥8.84 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Postalvings Bank Of China Co's average Cyclically Adjusted Book Growth Rate was 8.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

As of today (2026-07-21), Postalvings Bank Of China Co's current stock price is ¥ 5.05. Postalvings Bank Of China Co's Cyclically Adjusted Book per Share for the fiscal year that ended in Dec. 2025 was ¥8.84. Postalvings Bank Of China Co's Cyclically Adjusted PB Ratio of today is 0.57.

During the past 11 years, the highest Cyclically Adjusted PB Ratio of Postalvings Bank Of China Co was 0.66. The lowest was 0.53. And the median was 0.58.


Postalvings Bank Of China Co  (SHSE:601658) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Postalvings Bank Of China Co's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=5.05/8.84
=0.57

* 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.

During the past 11 years, the highest Cyclically Adjusted PB Ratio of Postalvings Bank Of China Co was 0.66. The lowest was 0.53. And the median was 0.58.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Postalvings Bank Of China Co Cyclically Adjusted Book per Share Related Terms


Postalvings Bank Of China Co Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Postalvings Bank Of China Co's Cyclically Adjusted Book per Share 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 Cyclically Adjusted Book per Share Chart

Postalvings Bank Of China Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 9.87 8.84

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
Cyclically Adjusted Book per Share 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 9.87 0.00 0.00 0.00 8.84

Postalvings Bank Of China Co Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, Postalvings Bank Of China Co's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Postalvings Bank Of China Co Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Postalvings Bank Of China Co's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Postalvings Bank Of China Co's Cyclically Adjusted PB Ratio falls into.


SHSE:601658
56GF Score
Postal Savings Bank Of China Co Ltd SHSE:601658
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Postalvings Bank Of China Co Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Postalvings Bank Of China Co's adjusted Book Value per Share data for the fiscal year that ended in Dec. 2025 was:

Adj_Book=Book Value per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=9.66/115.8323*115.8323
=9.660

Current CPI (Dec. 2025) = 115.8323.

Postalvings Bank Of China Co Annual Data

Book Value per Share CPI Adj_Book
201612 4.277 102.600 4.829
201712 4.728 104.500 5.241
201812 5.264 106.500 5.725
201912 5.754 111.200 5.994
202012 7.173 111.500 7.452
202112 8.077 113.108 8.272
202212 8.922 115.116 8.978
202312 9.630 114.781 9.718
202412 10.384 114.893 10.469
202512 9.660 115.832 9.660

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of ¥8.84 mean?
Postalvings Bank Of China Co (SHSE:601658) has a Cyclically Adjusted Book per Share of ¥8.84 as of Dec. 2025. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Postalvings Bank Of China Co and its competitors.
Is Postalvings Bank Of China Co's Cyclically Adjusted Book per Share too high?
Postalvings Bank Of China Co's current Cyclically Adjusted Book per Share is ¥8.84. Overall, Postalvings Bank Of China Co has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Postalvings Bank Of China Co's Cyclically Adjusted Book per Share compare to competitors?
Postalvings Bank Of China Co's Cyclically Adjusted Book per Share of ¥8.84 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 Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share 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 Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Postalvings Bank Of China Co and its competitors. Postalvings Bank Of China Co's current Cyclically Adjusted Book per Share is ¥8.84. 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 (SHSE:601658) is currently considered Fairly Valued. The stock's GF Value™ is ¥4.97, compared to a current price of ¥5.05 — trading 1.6% above its estimated fair value. The current Cyclically Adjusted Book per Share is ¥8.84. Postalvings Bank Of China Co's overall GF Score™ is 56/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Postalvings Bank Of China Co (SHSE:601658), the current Cyclically Adjusted Book per Share is ¥8.84 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 (SHSE:601658) Overvalued in 2026?

Based on GuruFocus' analysis, Postalvings Bank Of China Co stock appears to be overvalued. The current stock price of ¥5.05 is trading 1.6% above its estimated GF Value™ of ¥4.97. GuruFocus considers Postalvings Bank Of China Co to be Fairly Valued.

Key valuation signals for SHSE:601658:

  • Cyclically Adjusted Book per Share: ¥8.84
  • GF Value™: ¥4.97 vs. price of ¥5.05 (1.6% above fair value)
  • GF Score™: 56/100 with 4 warning signs

No single metric tells the full story. See the SHSE:601658 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.
56GF Score

Get the complete analysis for SHSE:601658

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

¥5.05
Price
¥4.97
GF Value