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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.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
The historical rank and industry rank for Postalvings Bank Of China Co's Graham Number or its related term are showing as below:
FRA:3YB'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.26 Med: 0.38 Max: 0.52
Current: 0.36
During the past 11 years, the highest Price to Graham Number ratio of Postalvings Bank Of China Co was 0.52. The lowest was 0.26. And the median was 0.38.
FRA:3YB's Price-to-Graham-Number is ranked better than 92.08% of 1426
companies
in the Banks industry
Industry Median: 0.81
vs FRA:3YB: 0.36
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Postalvings Bank Of China Co (FRA:3YB) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Postalvings Bank Of China Co's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Dec. 2025 )
=
0.5334
/
1.53
=
0.35
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Postalvings Bank Of China Co Graham Number Related Terms
Postalvings Bank Of China Co Graham Number Historical Data
* 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 Graham Number Competitor Comparison
For the Banks - Regional subindustry, Postalvings Bank Of China Co's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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 Price-to-Graham-Number vs Banks Industry
For the Banks industry and Financial Services sector, Postalvings Bank Of China Co's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Postalvings Bank Of China Co's Price-to-Graham-Number falls into.
* 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 (FRA:3YB) has a Graham Number of €1.53 as of Dec. 2025. The Graham Number values a company based on its per-share earnings and book value. View historical data on Postalvings Bank Of China Co and its competitors. According to the industry distribution chart, Postalvings Bank Of China Co ranks #113 out of 1426 companies in the Banks industry, placing it in the top 7.9%.
Is Postalvings Bank Of China Co's Graham Number too high?
Postalvings Bank Of China Co's current Graham Number is €1.53. Based on the distribution chart, Postalvings Bank Of China Co ranks #113 out of 1426 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Postalvings Bank Of China Co has a GF Score™ of 39/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Postalvings Bank Of China Co's Graham Number compare to competitors?
According to the Banks industry distribution chart, Postalvings Bank Of China Co ranks #113 out of 1426 companies for Graham Number. This places Postalvings Bank Of China Co in the top 8% of its industry — outperforming the majority of peers. The industry median Graham Number is 0.81. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Graham Number for a Banks company?
The median Graham Number among Banks companies is 0.81, based on 1,426 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number 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 Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Postalvings Bank Of China Co and its competitors. For the Banks industry, the median Graham Number is 0.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Postalvings Bank Of China Co's current Graham Number is €1.53. 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 €0.57, compared to a current price of €0.53 — trading 6.4% below its estimated fair value. The current Graham Number is €1.53. Postalvings Bank Of China Co's overall GF Score™ is 39/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Postalvings Bank Of China Co (FRA:3YB), the current Graham Number is €1.53 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 6.4% below its estimated GF Value™ of €0.57.
GuruFocus considers Postalvings Bank Of China Co to be Fairly Valued.
Key valuation signals for FRA:3YB:
Graham Number: €1.53
GF Value™: €0.57 vs. price of €0.53 (6.4% below fair value)
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.
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.
39GF Score
Get the complete analysis for FRA:3YB
Graham Number is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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