Postalvings Bank Of China Co (SHSE:601658) Moat Score: 6/10 (As of Jul. 21, 2026)

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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 ¥5.05
GF Value ¥4.97
Valuation Fairly Valued
! 4 Warning Signs
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What is Postalvings Bank Of China Co Moat Score?

Postalvings Bank Of China Co SHSE:601658 56 Moat Score is 6 as of Jul. 21, 2026. 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. Among 1,608 Banks companies, Postalvings Bank Of China Co ranks better than 97.82% on this metric.

Postalvings Bank Of China Co has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Postalvings Bank Of China Co has Narrow Moat: Postal Savings Bank of China benefits from a strong brand and extensive distribution network across China. It has a significant market share in rural banking, supported by regulatory barriers and customer loyalty. However, it lacks the global scale and network effects to warrant a wide moat classification.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Postalvings Bank Of China Co might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Postalvings Bank Of China Co  (SHSE:601658) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Postalvings Bank Of China Co Moat Score Related Terms

Postalvings Bank Of China Co Moat Score Competitor Comparison

For the Banks - Regional subindustry, Postalvings Bank Of China Co's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Postalvings Bank Of China Co's Moat Score distribution charts can be found below:

* The bar in red indicates where Postalvings Bank Of China Co's Moat Score falls into.


SHSE:601658
56GF Score
Postal Savings Bank Of China Co Ltd SHSE:601658
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Postalvings Bank Of China Co (SHSE:601658) has a Moat Score of 6 as of Jul. 21, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Postalvings Bank Of China Co ranks #35 out of 1608 companies in the Banks industry, placing it in the top 2.2%.
Is Postalvings Bank Of China Co's Moat Score too high?
Postalvings Bank Of China Co's current Moat Score is 6. Based on the distribution chart, Postalvings Bank Of China Co ranks #35 out of 1608 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 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 Moat Score compare to competitors?
According to the Banks industry distribution chart, Postalvings Bank Of China Co ranks #35 out of 1608 companies for Moat Score. This places Postalvings Bank Of China Co in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Postalvings Bank Of China Co's current Moat Score is 6. 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 Moat Score is 6. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Postalvings Bank Of China Co (SHSE:601658), the current Moat Score is 6 as of Jul. 21, 2026. 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:

  • Moat Score: 6
  • 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

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

¥5.05
Price
¥4.97
GF Value