Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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.
Postalvings Bank Of China CoFRA:3YB +0.53%74 Peter Lynch Fair Value is €0.50 as of Aug. 08, 2026, which is 100% below its 10-year median of 0.36. GuruFocus rates FRA:3YB with a GF Score™ of 74/100 and a GF Value™ of €0.54 (Fairly Valued). The stock has 4 warning signs investors should review. Among 876 Banks companies, Postalvings Bank Of China Co ranks worse than 114155.14% on this metric.
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Here, as of today, Postalvings Bank Of China Co's PEG is 1. Postalvings Bank Of China Co's 5-Year TTM Book Value Growth Rate is 5.61.
Postalvings Bank Of China Co's EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was €0.09. Therefore, the Peter Lynch Fair Value for today is €0.50.
The historical rank and industry rank for Postalvings Bank Of China Co's Peter Lynch Fair Value or its related term are showing as below:
During the past 11 years, the highest Price to Peter Lynch Fair Value Ratio of Postalvings Bank Of China Co was 0.52. The lowest was 0.31. And the median was 0.36.
FRA:3YB's Price-to-Peter-Lynch-Fair-Value is not ranked *
in the Banks industry.
Industry Median: 1.11 * Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
Postalvings Bank Of China Co (FRA:3YB) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of Book Value per share over the past 5 years, which is 5.61 instead of 15 in this case.
Postalvings Bank Of China Co's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
0.53
/
0.50
=
1.06
* 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 Peter Lynch Fair Value Related Terms
Postalvings Bank Of China Co Peter Lynch Fair Value 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 Peter Lynch Fair Value Chart
Postalvings Bank Of China Co Peter Lynch Fair Value Competitor Comparison
For the Banks - Regional subindustry, Postalvings Bank Of China Co's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value 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-Peter-Lynch-Fair-Value vs Banks Industry
For the Banks industry and Financial Services sector, Postalvings Bank Of China Co's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where Postalvings Bank Of China Co's Price-to-Peter-Lynch-Fair-Value falls into.
Postalvings Bank Of China Co's EPS without NRI for the trailing twelve months (TTM) uses the latest annual data, which was €0.09.
* Note that for companies that do not have enough quarterly data to calculate the 5-Year TTM EBITDA Growth Rate, we use the annual data for the calculation.
* 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.
** Please be aware that the 5-Year TTM Book Value Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data is the latest quarter data. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
Postalvings Bank Of China Co (FRA:3YB) has a Peter Lynch Fair Value of €0.50 as of Aug. 08, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Postalvings Bank Of China Co and its competitors. This is 39% above median its historical median of 0.36. Over the past decade, Postalvings Bank Of China Co's Peter Lynch Fair Value has ranged from 0.31 to 0.52. According to the industry distribution chart, Postalvings Bank Of China Co ranks #999999 out of 876 companies in the Banks industry.
Is Postalvings Bank Of China Co's Peter Lynch Fair Value too high?
Postalvings Bank Of China Co's current Peter Lynch Fair Value of €0.50 is 39% above median its 10-year median of 0.36. Over the past 10 years, this metric has ranged from a low of 0.31 to a high of 0.52. Based on the distribution chart, Postalvings Bank Of China Co ranks #999999 out of 876 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Postalvings Bank Of China Co has a GF Score™ of 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Postalvings Bank Of China Co's Peter Lynch Fair Value compare to competitors?
According to the Banks industry distribution chart, Postalvings Bank Of China Co ranks #999999 out of 876 companies for Peter Lynch Fair Value. This places Postalvings Bank Of China Co in the lower half of its industry. The industry median Peter Lynch Fair Value is 1.11. Historically, Postalvings Bank Of China Co's own Peter Lynch Fair Value has ranged from 0.31 to 0.52 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Peter Lynch Fair Value for a Banks company?
The median Peter Lynch Fair Value among Banks companies is 1.11, based on 876 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair Value 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 Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Postalvings Bank Of China Co and its competitors. For the Banks industry, the median Peter Lynch Fair Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Postalvings Bank Of China Co's current Peter Lynch Fair Value is €0.50, which is 39% above median its own 10-year median of 0.36. 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 €0.54, compared to a current price of €0.53 — trading 1.9% below its estimated fair value. The current Peter Lynch Fair Value is €0.50, which is 39% above median its 10-year median of 0.36. Postalvings Bank Of China Co's overall GF Score™ is 74/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For Postalvings Bank Of China Co (FRA:3YB), the current Peter Lynch Fair Value is €0.50 as of Aug. 08, 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 (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 1.9% below its estimated GF Value™ of €0.54.
GuruFocus considers Postalvings Bank Of China Co to be Fairly Valued.
Key valuation signals for FRA:3YB:
Peter Lynch Fair Value: €0.50 (39% above median its 10-year median of 0.36)
GF Value™: €0.54 vs. price of €0.53 (1.9% 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.
74GF Score
Get the complete analysis for FRA:3YB
Peter Lynch Fair Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:3YB has been successfully added to your 
