ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Postalvings Bank Of China Co's annualizedNet Income for the quarter that ended in Dec. 2025 was $6,157 Mil.
Postalvings Bank Of China Co's average Total Assets over the quarter that ended in Dec. 2025 was $2,632,183 Mil. Therefore, Postalvings Bank Of China Co's annualized ROA % for the quarter that ended in Dec. 2025 was 0.23%.
The historical rank and industry rank for Postalvings Bank Of China Co's ROA % or its related term are showing as below:
PSBKF'
s ROA % Range Over the Past 10 Years
Min: 0.49 Med: 0.57 Max: 0.65
Current: 0.49
During the past 11 years, Postalvings Bank Of China Co's highest ROA % was 0.65%. The lowest was 0.49%. And the median was 0.57%.
PSBKF's ROA % is ranked worse than 78.29% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs PSBKF: 0.49
Postalvings Bank Of China Co (OTCPK:PSBKF) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (Dec. 2025) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Postalvings Bank Of China Co ROA % Related Terms
Postalvings Bank Of China Co ROA % 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 ROA % Competitor Comparison
For the Banks - Regional subindustry, Postalvings Bank Of China Co's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Postalvings Bank Of China Co's ROA % distribution charts can be found below:
* The bar in red indicates where Postalvings Bank Of China Co's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Postalvings Bank Of China Co (PSBKF) has a ROA % of 0.23% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Postalvings Bank Of China Co and its competitors. This is 60% below median its historical median of 0.57. Over the past decade, Postalvings Bank Of China Co's ROA % has ranged from 0.49 to 0.65. According to the industry distribution chart, Postalvings Bank Of China Co ranks #1197 out of 1529 companies in the Banks industry, placing it in the top 78.3%.
Is Postalvings Bank Of China Co's ROA % too high?
Postalvings Bank Of China Co's current ROA % of 0.23% is 60% below median its 10-year median of 0.57. Over the past 10 years, this metric has ranged from a low of 0.49 to a high of 0.65. The Banks industry median ROA % is 0.98. Postalvings Bank Of China Co's value of 0.23% is 76.5% below this industry median. Based on the distribution chart, Postalvings Bank Of China Co ranks #1197 out of 1529 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 72/100, reflecting its overall financial health beyond just this single metric.
How does Postalvings Bank Of China Co's ROA % compare to competitors?
According to the Banks industry distribution chart, Postalvings Bank Of China Co ranks #1197 out of 1529 companies for ROA %. This places Postalvings Bank Of China Co in the lower half of its industry. The industry median ROA % is 0.98. Postalvings Bank Of China Co's value of 0.23% is 76.5% below this benchmark. Historically, Postalvings Bank Of China Co's own ROA % has ranged from 0.49 to 0.65 over the past decade. While the company's 10-year median is 0.57 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Postalvings Bank Of China Co's current ROA % of 0.23% is 76.5% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Postalvings Bank Of China Co and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Postalvings Bank Of China Co's current ROA % is 0.23%, which is 60% below median its own 10-year median of 0.57. 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 ROA % of 0.23%. 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 ROA % is 0.23%, which is 60% below median its 10-year median of 0.57 and 76.5% below the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Postalvings Bank Of China Co (PSBKF), the current ROA % is 0.23% 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:
ROA %: 0.23% (60% below median its 10-year median of 0.57)
GF Value™: $0.65 vs. price of $0.67 (2.9% above fair value)
Industry Position: 76.5% below the Banks median (#1197 of 1529)
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
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