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Postalvings Bank Of China CoSTU:3YB +0.98%37 Return-on-Tangible-Equity is 3.77% as of Dec. 2025, which is 65% below its 10-year median of 10.77. GuruFocus rates STU:3YB with a GF Score™ of 37/100 and a GF Value™ of €0.55 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,521 Banks companies, Postalvings Bank Of China Co ranks worse than 69.43% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Postalvings Bank Of China Co's annualized net income for the quarter that ended in Dec. 2025 was €5,258 Mil. Postalvings Bank Of China Co's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €139,339 Mil. Therefore, Postalvings Bank Of China Co's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 3.77%.
The historical rank and industry rank for Postalvings Bank Of China Co's Return-on-Tangible-Equity or its related term are showing as below:
STU:3YB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.01 Med: 10.77 Max: 12.68
Current: 8.01
During the past 11 years, Postalvings Bank Of China Co's highest Return-on-Tangible-Equity was 12.68%. The lowest was 8.01%. And the median was 10.77%.
STU:3YB's Return-on-Tangible-Equity is ranked worse than 69.43% of 1521
companies
in the Banks industry
Industry Median: 11.41
vs STU:3YB: 8.01
Postalvings Bank Of China Co (STU:3YB) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Postalvings Bank Of China Co Return-on-Tangible-Equity Related Terms
Postalvings Bank Of China Co Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
Postalvings Bank Of China Co Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Postalvings Bank Of China Co's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Postalvings Bank Of China Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Postalvings Bank Of China Co's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 3.77% mean?
Postalvings Bank Of China Co (STU:3YB) has a Return-on-Tangible-Equity of 3.77% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Postalvings Bank Of China Co and its competitors. This is 65% below median its historical median of 10.77. Over the past decade, Postalvings Bank Of China Co's Return-on-Tangible-Equity has ranged from 8.01 to 12.68. According to the industry distribution chart, Postalvings Bank Of China Co ranks #1056 out of 1521 companies in the Banks industry, placing it in the top 69.4%.
Is Postalvings Bank Of China Co's Return-on-Tangible-Equity too high?
Postalvings Bank Of China Co's current Return-on-Tangible-Equity of 3.77% is 65% below median its 10-year median of 10.77. Over the past 10 years, this metric has ranged from a low of 8.01 to a high of 12.68. The Banks industry median Return-on-Tangible-Equity is 11.41. Postalvings Bank Of China Co's value of 3.77% is 67% below this industry median. Based on the distribution chart, Postalvings Bank Of China Co ranks #1056 out of 1521 companies in the Banks industry, which is below the industry midpoint. Overall, Postalvings Bank Of China Co has a GF Score™ of 37/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Postalvings Bank Of China Co's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Postalvings Bank Of China Co ranks #1056 out of 1521 companies for Return-on-Tangible-Equity. This places Postalvings Bank Of China Co in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.41. Postalvings Bank Of China Co's value of 3.77% is 67% below this benchmark. Historically, Postalvings Bank Of China Co's own Return-on-Tangible-Equity has ranged from 8.01 to 12.68 over the past decade. While the company's 10-year median is 10.77 vs. the industry median of 11.41, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.41, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Postalvings Bank Of China Co's current Return-on-Tangible-Equity of 3.77% is 67% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Postalvings Bank Of China Co and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Postalvings Bank Of China Co's current Return-on-Tangible-Equity is 3.77%, which is 65% below median its own 10-year median of 10.77. 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 (STU:3YB) is currently considered Fairly Valued. The stock's GF Value™ is €0.55, compared to a current price of €0.52 — trading 6.3% below its estimated fair value. The current Return-on-Tangible-Equity is 3.77%, which is 65% below median its 10-year median of 10.77 and 67% below the Banks industry median of 11.41. Postalvings Bank Of China Co's overall GF Score™ is 37/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Postalvings Bank Of China Co (STU:3YB), the current Return-on-Tangible-Equity is 3.77% 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 (STU:3YB) Overvalued in 2026?
Based on GuruFocus' analysis, Postalvings Bank Of China Co stock appears to be undervalued.
The current stock price of €0.52 is trading 6.3% below its estimated GF Value™ of €0.55.
GuruFocus considers Postalvings Bank Of China Co to be Fairly Valued.
Key valuation signals for STU:3YB:
Return-on-Tangible-Equity: 3.77% (65% below median its 10-year median of 10.77)
GF Value™: €0.55 vs. price of €0.52 (6.3% below fair value)
Industry Position: 67% below the Banks median (#1056 of 1521)
No single metric tells the full story. See the STU: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.
37GF Score
Get the complete analysis for STU:3YB
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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