Financials Postal Savings Bank of China Co., Ltd.

Equities

Market Closed - Hong Kong S.E. Other stock markets 03:08:09 2026-02-13 am EST			5-day change	1st Jan Change
5.090 ^HKD	0.00%		-2.68%	-4.32%

Feb. 13	Postal Savings Bank of China gets approval of qualification of president	RE
Feb. 13	Postal Savings Bank of China says Lu Wei assumed position of president	RE

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	286,537	319,107	335,391	342,912	349,133	351,585	368,049	396,345
Change	-	11.37%	5.1%	2.24%	1.81%	0.7%	4.68%	7.69%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	118,553	128,112	126,711	117,770	123,037	129,703	146,679	179,509
Change	-	8.06%	-1.09%	-7.06%	4.47%	5.42%	13.09%	22.38%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	68,136	81,454	91,364	91,599	94,592	99,420	99,661	104,625
Change	-	19.55%	12.17%	0.26%	3.27%	5.1%	0.24%	4.98%
Net income ¹	64,199	76,170	85,224	86,270	86,479	85,939	87,328	90,599
Change	-	18.65%	11.89%	1.23%	0.24%	-0.62%	1.62%	3.75%
Announcement Date	3/29/21	3/30/22	3/30/23	3/28/24	3/27/25	-	-	-

¹CNY in Million

Estimates

Fiscal Period: December	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4
Net sales ¹	69,939	77,383	80,270	80,705	80,404	-	88,379	-	-	88,242	88,915	83,215	82,790	89,430	87,359	83,560	88,566	89,363	90,083	85,634	86,407
Change	-	10.64%	3.73%	0.54%	-0.37%	-	-	-	-	-	0.76%	-6.41%	-0.51%	8.02%	-2.32%	-4.35%	5.99%	0.9%	0.81%	-4.94%	0.9%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	20,610	-	38,587	26,620	9,101	-	39,408	-	12,660	38,085	35,963	29,945	13,781	35,689	24,641	29,694	20,923	37,927	30,782	29,277	20,842
Change	-	-	-	-31.01%	-65.81%	-	-	-	-	200.83%	-5.57%	-16.73%	-53.98%	158.97%	-30.96%	20.51%	-29.54%	81.27%	-18.84%	-4.89%	-28.81%
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT)	-	-	21,527	-	-	-	23,900	-	8,786	-	25,267	28,109	8,759	28,760	-	29,748	-	27,252	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	11.25%	-68.84%	228.35%	-	-	-	-	-	-	-
Net income	-	-	19,809	23,581	-	24,977	22,137	26,735	11,375	-	23,284	26,091	10,615	25,926	-	27,003	-	25,246	-	-	-
Change	-	-	-	19.04%	-	-	-11.37%	20.77%	-57.45%	-	-	12.06%	-59.32%	144.24%	-	-	-	-	-	-	-
Announcement Date	3/29/21	5/24/21	8/27/21	10/28/21	3/30/22	4/29/22	8/22/22	10/26/22	3/30/23	4/27/23	8/30/23	10/27/23	3/28/24	4/29/24	8/30/24	10/30/24	3/27/25	4/29/25	8/29/25	10/30/25	-

¹CNY in Million

Estimates

Fiscal Period: December	2021 S1	2021 S2	2022 S1	2023 S1
Net sales	157,653	161,454	173,635	-
Change	-	2.41%	7.54%	-
EBITDA	-	-	-	-
Change	-	-	-	-
EBIT ¹	-	52,899	79,801	74,048
Change	-	-	50.86%	-7.21%
Charge d'intérêts	-	-	-	-
Earnings before Tax (EBT)	-	-	52,693	-
Change	-	-	-	-
Net income	41,010	-	47,114	-
Change	-	-	-	-
Announcement Date	8/27/21	3/30/22	8/22/22	8/30/23

¹CNY in Million

Estimates

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	3/29/21	3/30/22	3/30/23	3/28/24	3/27/25	-	-	-

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024
CAPEX ¹	6,734	7,571	13,853	12,402	12,963	20,350
Change	-	12.43%	82.97%	-10.47%	4.52%	56.99%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	3/25/20	3/29/21	3/30/22	3/30/23	3/28/24	3/27/25

¹CNY in Million

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	41.37%	40.15%	37.78%	34.34%	35.24%	36.89%	39.85%	45.29%
EBT Margin (%)	-	23.78%	25.53%	27.24%	26.71%	27.09%	28.28%	27.08%	26.4%
Net margin (%)	-	22.41%	23.87%	25.41%	25.16%	24.77%	24.44%	23.73%	22.86%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	0.6%	0.64%	0.64%	0.58%	0.53%	0.49%	0.44%	0.43%
ROE	-	10.56%	10.39%	10.53%	9.7%	9.84%	8.82%	8.04%	7.99%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	0.2085	0.2474	-	0.261	0.2616	0.2222	0.2291	0.2353
Change	-	-	18.66%	-	-	0.23%	-15.07%	3.1%	2.71%
Book Value Per Share ¹	-	6.25	8.596	-	9.63	10.38	8.517	9.059	9.482
Change	-	-	37.53%	-	-	7.83%	-17.97%	6.36%	4.67%
EPS ¹	-	0.71	0.78	0.85	0.83	0.81	0.745	0.7152	0.7368
Change	-	-	9.86%	8.97%	-2.35%	-2.41%	-8.02%	-4.01%	3.02%
Nbr of stocks (in thousands)	-	86,978,562	92,383,968	92,383,968	99,161,076	99,161,076	120,095,053	120,095,053	120,095,053
Announcement Date	-	3/29/21	3/30/22	3/30/23	3/28/24	3/27/25	-	-	-