The historical rank and industry rank for Postalvings Bank Of China Co's ROE % or its related term are showing as below:
PSBKF'
s ROE % Range Over the Past 10 Years
Min: 7.98 Med: 10.71 Max: 12.57
Current: 7.98
During the past 11 years, Postalvings Bank Of China Co's highest ROE % was 12.57%. The lowest was 7.98%. And the median was 10.71%.
PSBKF's ROE % is ranked worse than 65.49% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs PSBKF: 7.98
Postalvings Bank Of China Co (OTCPK:PSBKF) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Postalvings Bank Of China Co ROE % Related Terms
Postalvings Bank Of China Co ROE % 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 ROE % Competitor Comparison
For the Banks - Regional subindustry, Postalvings Bank Of China Co's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Postalvings Bank Of China Co's ROE % distribution charts can be found below:
* The bar in red indicates where Postalvings Bank Of China Co's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Postalvings Bank Of China Co (PSBKF) has a ROE % of 3.75% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Postalvings Bank Of China Co and its competitors. This is 65% below median its historical median of 10.71. Over the past decade, Postalvings Bank Of China Co's ROE % has ranged from 7.98 to 12.57. According to the industry distribution chart, Postalvings Bank Of China Co ranks #998 out of 1524 companies in the Banks industry, placing it in the top 65.5%.
Is Postalvings Bank Of China Co's ROE % too high?
Postalvings Bank Of China Co's current ROE % of 3.75% is 65% below median its 10-year median of 10.71. Over the past 10 years, this metric has ranged from a low of 7.98 to a high of 12.57. The Banks industry median ROE % is 10.22. Postalvings Bank Of China Co's value of 3.75% is 63.3% below this industry median. Based on the distribution chart, Postalvings Bank Of China Co ranks #998 out of 1524 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 ROE % compare to competitors?
According to the Banks industry distribution chart, Postalvings Bank Of China Co ranks #998 out of 1524 companies for ROE %. This places Postalvings Bank Of China Co in the lower half of its industry. The industry median ROE % is 10.22. Postalvings Bank Of China Co's value of 3.75% is 63.3% below this benchmark. Historically, Postalvings Bank Of China Co's own ROE % has ranged from 7.98 to 12.57 over the past decade. While the company's 10-year median is 10.71 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Postalvings Bank Of China Co's current ROE % of 3.75% is 63.3% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Postalvings Bank Of China Co and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Postalvings Bank Of China Co's current ROE % is 3.75%, which is 65% below median its own 10-year median of 10.71. 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 ROE % of 3.75%. 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 ROE % is 3.75%, which is 65% below median its 10-year median of 10.71 and 63.3% below the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Postalvings Bank Of China Co (PSBKF), the current ROE % is 3.75% 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:
ROE %: 3.75% (65% below median its 10-year median of 10.71)
GF Value™: $0.65 vs. price of $0.67 (2.9% above fair value)
Industry Position: 63.3% below the Banks median (#998 of 1524)
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
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