What is Postalvings Bank Of China Co Net Margin %?
Postalvings Bank Of China CoPSBKF 72 Net Margin % is 12.32% as of Dec. 2025, which is 49% below its 10-year median of 24.31. GuruFocus rates PSBKF with a GF Score™ of 72/100 and a GF Value™ of $0.65. The stock has 4 warning signs investors should review. Among 1,527 Banks companies, Postalvings Bank Of China Co ranks worse than 56.45% on this metric.
The historical rank and industry rank for Postalvings Bank Of China Co's Net Margin % or its related term are showing as below:
PSBKF'
s Net Margin % Range Over the Past 10 Years
Min: 20.02 Med: 24.31 Max: 25.28
Current: 24.66
PSBKF's Net Margin % is ranked worse than 56.45% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs PSBKF: 24.66
Postalvings Bank Of China Co (OTCPK:PSBKF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Postalvings Bank Of China Co Net Margin % Related Terms
Postalvings Bank Of China Co Net Margin % 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 Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Postalvings Bank Of China Co's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Postalvings Bank Of China Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Postalvings Bank Of China Co's Net Margin % 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 (PSBKF) has a Net Margin % of 12.32% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Postalvings Bank Of China Co and its competitors. This is 49% below median its historical median of 24.31. Over the past decade, Postalvings Bank Of China Co's Net Margin % has ranged from 20.02 to 25.28. According to the industry distribution chart, Postalvings Bank Of China Co ranks #862 out of 1527 companies in the Banks industry, placing it in the top 56.5%.
Is Postalvings Bank Of China Co's Net Margin % too high?
Postalvings Bank Of China Co's current Net Margin % of 12.32% is 49% below median its 10-year median of 24.31. Over the past 10 years, this metric has ranged from a low of 20.02 to a high of 25.28. The Banks industry median Net Margin % is 26.95. Postalvings Bank Of China Co's value of 12.32% is 54.3% below this industry median. Based on the distribution chart, Postalvings Bank Of China Co ranks #862 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Postalvings Bank Of China Co has a GF Score™ of 72/100, reflecting its overall financial health beyond just this single metric.
How does Postalvings Bank Of China Co's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Postalvings Bank Of China Co ranks #862 out of 1527 companies for Net Margin %. This places Postalvings Bank Of China Co in the lower half of its industry. The industry median Net Margin % is 26.95. Postalvings Bank Of China Co's value of 12.32% is 54.3% below this benchmark. Historically, Postalvings Bank Of China Co's own Net Margin % has ranged from 20.02 to 25.28 over the past decade. While the company's 10-year median is 24.31 vs. the industry median of 26.95, Postalvings Bank Of China Co has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Postalvings Bank Of China Co's current Net Margin % of 12.32% is 54.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Postalvings Bank Of China Co and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Postalvings Bank Of China Co's current Net Margin % is 12.32%, which is 49% below median its own 10-year median of 24.31. 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?
Postalvings Bank Of China Co (PSBKF) has a current Net Margin % of 12.32%. The stock's GF Value™ is $0.65, compared to a current price of $0.67 — trading 2.9% above its estimated fair value. The current Net Margin % is 12.32%, which is 49% below median its 10-year median of 24.31 and 54.3% below the Banks industry median of 26.95. Postalvings Bank Of China Co's overall GF Score™ is 72/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Postalvings Bank Of China Co (PSBKF), the current Net Margin % is 12.32% 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 (PSBKF) Overvalued in 2026?
Based on GuruFocus' analysis, Postalvings Bank Of China Co stock appears to be overvalued.
The current stock price of $0.67 is trading 2.9% above its estimated GF Value™ of $0.65.
Key valuation signals for PSBKF:
Net Margin %: 12.32% (49% below median its 10-year median of 24.31)
GF Value™: $0.65 vs. price of $0.67 (2.9% above fair value)
Industry Position: 54.3% below the Banks median (#862 of 1527)
No single metric tells the full story. See the PSBKF 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.
72GF Score
Get the complete analysis for PSBKF
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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