Postal Savings Bank of China Co., Ltd.: EPS $0.0357 vs $0.0357 expected
Key Facts
Q3 FY2026 results
| Metric | Actual | Estimate | Surprise | Year ago |
|---|---|---|---|---|
| EPS (USD) | 0.0357 | 0.0357 | — | 0.2487 |
| Revenue (USD bn) | — | — | — | — |
Recent reports: actual vs estimate
| Reported | Period | EPS (USD) | Estimate | Surprise | Revenue (USD bn) | Estimate | Surprise |
|---|---|---|---|---|---|---|---|
| Oct 30, 2026 | Q3 FY2026 | 0.0357 | 0.0357 | — | — | — | — |
| Aug 28, 2026 | Q2 FY2026 | 0.0309 | 0.0309 | — | 14.58 | 13.87 | +5.1% |
| Apr 29, 2026 | Q1 FY2026 | 0.0290 | 0.0319 | — | 13.94 | 13.38 | +4.2% |
| Mar 26, 2026 | Q4 FY2025 | 0.0114 | 0.0129 | — | 12.96 | 12.43 | +4.3% |
| Oct 28, 2025 | Q3 FY2025 | 0.2487 | 0.0309 | — | — | — | — |
| Aug 29, 2025 | Q2 FY2025 | 0.0279 | 0.0265 | — | 10.96 | 12.02 | −8.8% |
| Apr 28, 2025 | Q1 FY2025 | 0.0330 | 0.0358 | — | — | — | — |
| Mar 26, 2025 | Q4 FY2024 | 0.0191 | 0.0151 | — | — | — | — |
Source: Figures from the EL7 database. Estimates are the analyst consensus carried by our data vendor (FMP), not official figures. Figures are in USD as carried for this US-traded line; the company reports in another currency.
Postal Savings Bank of China Co., Ltd. results: EPS $0.0357 vs $0.0357 expected. The results cover the company's Q3 FY2026. EPS came in in line with analysts' estimate. Revenue figures are not available yet. Figures are in USD as carried for this US-traded line; the company reports in CNY.
EPS was down 85.6% from $0.2487 a year earlier.
What the results mean
Postal Savings Bank of China Co., Ltd. serves individuals and businesses, with profitability linked to loan yields and deposit costs. Reading that balance helps explain banking performance, alongside the bank’s ability to turn customer savings into income-generating financing while controlling credit risk.
Business drivers include personal lending and financing for businesses, working capital and trade, while wealth management, fund and insurance distribution, and payment services provide sources of fee income. Understanding the results therefore depends on the lending and deposit mix and the contribution from banking services, with loan quality and operating costs also shaping profitability.
What to watch on the earnings call: The earnings call merits attention to management’s discussion of deposit costs, lending yields and loan portfolio quality, as well as demand for personal and corporate financing. Other useful topics include the contribution of wealth management, financial product distribution, settlement and payment services to fee income, and how the bank manages expenses and credit risk.
For the full analysis of Postal Savings Bank of China Co., Ltd. stock — valuation, scores and financial statements — see the stock page linked with this story.