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Postalvings Bank Of China CoPSTVY 66 5-Year Yield-on-Cost % is 6.57 as of Jul. 21, 2026, which is 23% below its 10-year median of 8.52. GuruFocus rates PSTVY with a GF Scoreâ„¢ of 66/100 and a GF Valueâ„¢ of $12.70 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,254 Banks companies, Postalvings Bank Of China Co ranks better than 76.32% on this metric.
The historical rank and industry rank for Postalvings Bank Of China Co's 5-Year Yield-on-Cost % or its related term are showing as below:
PSTVY'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 6.41 Med: 8.52 Max: 13.22
Current: 6.57
During the past 11 years, Postalvings Bank Of China Co's highest Yield on Cost was 13.22. The lowest was 6.41. And the median was 8.52.
PSTVY's 5-Year Yield-on-Cost % is ranked better than 76.32% of 1254
companies
in the Banks industry
Industry Median: 3.865
vs PSTVY: 6.57
Postalvings Bank Of China Co (OTCPK:PSTVY) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Postalvings Bank Of China Co 5-Year Yield-on-Cost % Related Terms
Postalvings Bank Of China Co 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Postalvings Bank Of China Co's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Postalvings Bank Of China Co's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Postalvings Bank Of China Co's 5-Year Yield-on-Cost % falls into.
Postalvings Bank Of China Co 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Postalvings Bank Of China Co (PSTVY) has a 5-Year Yield-on-Cost % of 6.57 as of Jul. 21, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Postalvings Bank Of China Co and its competitors. This is 23% below median its historical median of 8.52. Over the past decade, Postalvings Bank Of China Co's 5-Year Yield-on-Cost % has ranged from 6.41 to 13.22. According to the industry distribution chart, Postalvings Bank Of China Co ranks #297 out of 1254 companies in the Banks industry, placing it in the top 23.7%.
Is Postalvings Bank Of China Co's 5-Year Yield-on-Cost % too high?
Postalvings Bank Of China Co's current 5-Year Yield-on-Cost % of 6.57 is 23% below median its 10-year median of 8.52. Over the past 10 years, this metric has ranged from a low of 6.41 to a high of 13.22. The Banks industry median 5-Year Yield-on-Cost % is 3.87. Postalvings Bank Of China Co's value of 6.57 is 70% above this industry median. Based on the distribution chart, Postalvings Bank Of China Co ranks #297 out of 1254 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Postalvings Bank Of China Co has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Postalvings Bank Of China Co's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Postalvings Bank Of China Co ranks #297 out of 1254 companies for 5-Year Yield-on-Cost %. This places Postalvings Bank Of China Co in the top 24% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.87. Postalvings Bank Of China Co's value of 6.57 is 70% above this benchmark. Historically, Postalvings Bank Of China Co's own 5-Year Yield-on-Cost % has ranged from 6.41 to 13.22 over the past decade. While the company's 10-year median is 8.52 vs. the industry median of 3.87, Postalvings Bank Of China Co has consistently been above 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.87, based on 1,254 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Postalvings Bank Of China Co's current 5-Year Yield-on-Cost % of 6.57 is 70% above 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Postalvings Bank Of China Co and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Postalvings Bank Of China Co's current 5-Year Yield-on-Cost % is 6.57, which is 23% below median its own 10-year median of 8.52. 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 (PSTVY) is currently considered Fairly Valued. The stock's GF Value™ is $12.70, compared to a current price of $12.45 — trading 2% below its estimated fair value. The current 5-Year Yield-on-Cost % is 6.57, which is 23% below median its 10-year median of 8.52 and 70% above the Banks industry median of 3.87. Postalvings Bank Of China Co's overall GF Score™ is 66/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Postalvings Bank Of China Co (PSTVY), the current 5-Year Yield-on-Cost % is 6.57 as of Jul. 21, 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 (PSTVY) Overvalued in 2026?
Based on GuruFocus' analysis, Postalvings Bank Of China Co stock appears to be undervalued.
The current stock price of $12.45 is trading 2% below its estimated GF Value™ of $12.70.
GuruFocus considers Postalvings Bank Of China Co to be Fairly Valued.
Key valuation signals for PSTVY:
5-Year Yield-on-Cost %: 6.57 (23% below median its 10-year median of 8.52)
GF Value™: $12.70 vs. price of $12.45 (2% below fair value)
Industry Position: 70% above the Banks median (#297 of 1254)
No single metric tells the full story. See the PSTVY 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.
66GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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