Postalvings Bank Of China Co (SHSE:601658) LT-Debt-to-Total-Asset: 0.01 (As of Dec. 2025)

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Director of Data and Quant Analytics at GuruFocus
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SHSE:601658 Postal Savings Bank Of China Co Ltd SHSE:601658
56 GF Score
Price ¥5.04
GF Value ¥4.97
Valuation Fairly Valued
! 4 Warning Signs
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What is Postalvings Bank Of China Co LT-Debt-to-Total-Asset?

Postalvings Bank Of China Co SHSE:601658 -0.20% 56 LT-Debt-to-Total-Asset is 0.01 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Postalvings Bank Of China Co's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.01.

Postalvings Bank Of China Co's long-term debt to total assets ratio declined from Dec. 2024 (0.02) to Dec. 2025 (0.01). It may suggest that Postalvings Bank Of China Co is progressively becoming less dependent on debt to grow their business.

Postalvings Bank Of China Co  (SHSE:601658) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Postalvings Bank Of China Co LT-Debt-to-Total-Asset Related Terms

Postalvings Bank Of China Co LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Postalvings Bank Of China Co's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Postalvings Bank Of China Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.01 0.01 0.02 0.02 0.01

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
LT-Debt-to-Total-Asset 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 0.02 0.01 0.02 0.02 0.01
SHSE:601658
56GF Score
Postal Savings Bank Of China Co Ltd SHSE:601658
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Postalvings Bank Of China Co LT-Debt-to-Total-Asset Calculation

Postalvings Bank Of China Co's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=262162/18682067
=0.01

Postalvings Bank Of China Co's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )/Total Assets (Q: Dec. 2025 )
=262162/18682067
=0.01

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.01 mean?
Postalvings Bank Of China Co (SHSE:601658) has a LT-Debt-to-Total-Asset of 0.01 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Postalvings Bank Of China Co and its competitors.
Is Postalvings Bank Of China Co's LT-Debt-to-Total-Asset too high?
Postalvings Bank Of China Co's current LT-Debt-to-Total-Asset is 0.01. 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 LT-Debt-to-Total-Asset compare to competitors?
Postalvings Bank Of China Co's LT-Debt-to-Total-Asset of 0.01 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 LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Postalvings Bank Of China Co and its competitors. Postalvings Bank Of China Co's current LT-Debt-to-Total-Asset is 0.01. 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 ¥5.04 — trading 1.4% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.01. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Postalvings Bank Of China Co (SHSE:601658), the current LT-Debt-to-Total-Asset is 0.01 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 ¥5.04 is trading 1.4% 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:

  • LT-Debt-to-Total-Asset: 0.01
  • GF Value™: ¥4.97 vs. price of ¥5.04 (1.4% 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

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

¥5.04
Price
¥4.97
GF Value