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The People's Insurance Company (Group) of China Limited (601319.SS)

CNY7.01 -0.06 (-0.85%)
CN SHH Financial Services Insurance - Property & Casualty
Address No. 88, West Chang'an Street 100031
Beijing, CN
CEO Xiangqun Ding
Website picc.com
IPO 2018-11-23
ISIN CNE100003F27

Explore sections of this company profile

Also trades on Hong Kong Stock Exchange · 1339.HK (HKD) Other OTC · PINXF (USD) Other OTC · PINXY (USD) Shanghai Stock Exchange · 601319.SS (CNY)
Description

Operating as an investment holding entity, The People's Insurance Company (Group) of China Limited primarily conducts insurance operations throughout the People's Republic of China. Its operations are structured across Non-Life, Life, and Health Insurance segments, in addition to Asset Management and other auxiliary divisions. The firm provides a comprehensive spectrum of property and casualty coverage, encompassing motor vehicle, commercial property, liability, credit, personal accident and health, cargo, and agricultural insurance, among various other offerings. Furthermore, its life insurance portfolio includes general life and health, participating life, universal life, and accident policies. Its specialized health insurance offerings span medical, illness, nursing care, accidental injury, disability loss, and participating endowment policies. Beyond these core insurance activities, the company is also involved in asset management, functions as an insurance agent, participates in reinsurance, and delivers integrated financial solutions. Established in 1949, this enterprise maintains its headquarters in Beijing, China.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
CNY7.01 -0.06 (-0.85%)
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Volume Profile
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Liquidity & share structure
Average Volume
75M
Beta
0.60
Float Shares
8.41B
Free Float %
19.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+1.33% -1.44% -4.74% -20.19% -21.02% -23.58% -17.29% +10.86% +11.04% +42.20% +42.20%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
7.01
DCF (Unlevered) 32.66 +365.9%
DCF (Levered) 73.80 +952.7%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.74
Distress
Piotroski F-Score
5 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
✗ Below peers
  • ✓
    Revenue growth Insurance - Property & Casualty: +14.1%
    +9.5% Q1'26: +21.8% (vs Q1'25)
  • ✓
    EPS growth Insurance - Property & Casualty: +27.5%
    +9.2% Q1'26: -31.0% (vs Q1'25)
  • ✓
    FCF margin FCF growth · Insurance - Property & Casualty: +25.6%
    +30.5% ★ Q1'26: +12.9% (vs Q1'25)
  • ✗
    EBIT margin Insurance - Property & Casualty: +16.3%
    +11.9% Q1'26: +7.6% (vs Q1'25)
  • ✗
    ROIC Insurance - Property & Casualty: +7.9%
    +10.9% ★ Q1'26: +8.6% (vs Q1'25)
  • ✓
    Share dilution Insurance - Property & Casualty: +0.4%
    -0.4% ★ Q1'26: +0.0% (vs Q1'25)
  • ✗
    Debt / EBITDA Net debt/EBITDA · Insurance - Property & Casualty: -0.10×
    2.71× Q1'26: 3.87× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.62) × ERP
WACC = 57% × Ke + 43% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 32.66 Current price: 7.01
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual 		Dec 2016
actual 		Dec 2017
actual 		Dec 2018
actual 		Dec 2019
actual 		Dec 2020
actual 		Dec 2021
actual 		Dec 2022
actual 		Dec 2023
actual 		Dec 2024
actual 		Dec 2025
actual 		Dec 2026
4 Rev. Ana.
5 EPS Ana. 		Dec 2027
5 Rev. Ana.
5 EPS Ana. 		Dec 2028
1 Rev. Ana.
9 EPS Ana.
Revenue
404.97B
est: 340.34B (+19.0%)
442.32B
est: 393.40B (+12.4%)
481.78B
est: 429.79B (+12.1%)
497.16B
est: 452.09B (+10.0%)
549.91B
est: 500.43B (+9.9%)
579.07B
est: 553.88B (+4.5%)
592.02B
est: 546.85B (+8.3%)
475.09B
est: 568.02B (-16.4%)
530.21B
est: 576.07B (-8.0%)
598.79B
est: 581.48B (+3.0%)
655.91B
est: 669.25B (-2.0%)
664.20B
636.73B – 695.14B
-0.8% YoY
698.27B
639.15B – 764.89B
+5.1% YoY
743.28B
712.54B – 777.91B
+6.4% YoY
EBITDA
41.01B
est: 31.97B (+28.3%)
31.94B
est: 36.95B (-13.6%)
38.66B
est: 40.37B (-4.2%)
36.26B
est: 42.46B (-14.6%)
39.05B
est: 47.00B (-16.9%)
41.75B
est: 52.02B (-19.8%)
45.90B
est: 51.36B (-10.6%)
52.85B
est: 53.35B (-0.9%)
42.07B
est: 54.11B (-22.2%)
77.48B
est: 60.93B (+27.2%)
82.91B
est: 70.13B (+18.2%)
69.60B
66.72B – 72.84B
-0.8% YoY
73.17B
66.97B – 80.15B
+5.1% YoY
77.89B
74.67B – 81.52B
+6.4% YoY
EBIT
38.57B
est: 28.93B (+33.3%)
29.65B
est: 33.44B (-11.3%)
36.40B
est: 36.54B (-0.4%)
33.61B
est: 38.43B (-12.5%)
34.95B
est: 42.54B (-17.8%)
37.30B
est: 47.09B (-20.8%)
41.14B
est: 46.49B (-11.5%)
47.66B
est: 48.29B (-1.3%)
37.02B
est: 48.97B (-24.4%)
72.48B
est: 55.74B (+30.0%)
77.81B
est: 64.15B (+21.3%)
63.67B
61.03B – 66.63B
-0.8% YoY
66.93B
61.27B – 73.32B
+5.1% YoY
71.25B
68.30B – 74.57B
+6.4% YoY
Net Income
19.54B
est: 18.61B (+5.0%)
14.25B
est: 13.75B (+3.6%)
16.10B
est: 18.13B (-11.2%)
12.91B
est: 15.19B (-15.0%)
22.14B
est: 22.74B (-2.7%)
20.04B
est: 20.34B (-1.5%)
21.48B
est: 22.43B (-4.3%)
25.37B
est: 24.82B (+2.2%)
22.32B
est: 23.03B (-3.1%)
42.15B
est: 40.52B (+4.0%)
46.65B
est: 44.22B (+5.5%)
46.04B
43.57B – 48.83B
+4.1% YoY
49.77B
47.09B – 52.78B
+8.1% YoY
53.09B
50.24B – 56.31B
+6.7% YoY
SGA
24.61B
est: 15.83B (+55.4%)
27.85B
est: 18.30B (+52.2%)
31.10B
est: 19.99B (+55.5%)
14.48B
est: 21.03B (-31.1%)
28.27B
est: 23.28B (+21.4%)
38.49B
est: 25.77B (+49.4%)
18.60B
est: 25.44B (-26.9%)
23.72B
est: 26.42B (-10.2%)
27.12B
est: 26.80B (+1.2%)
20.14B
est: 19.32B (+4.2%)
—
est: 22.24B (-100.0%)
22.07B
21.16B – 23.10B
-0.8% YoY
23.20B
21.24B – 25.41B
+5.1% YoY
24.70B
23.68B – 25.85B
+6.4% YoY
EPS
0.46
est: 0.42 (+9.8%)
0.34
est: 0.31 (+9.8%)
0.38
est: 0.41 (-6.9%)
0.30
est: 0.34 (-12.3%)
0.50
est: 0.51 (-2.4%)
0.45
est: 0.46 (-1.0%)
0.49
est: 0.51 (-3.0%)
0.57
est: 0.56 (+2.6%)
0.50
est: 0.52 (-3.6%)
0.95
est: 0.92 (+3.7%)
1.05
est: 1.00 (+5.0%)
1.04
0.99 – 1.10
+4.1% YoY
1.13
1.06 – 1.19
+8.1% YoY
1.20
1.14 – 1.27
+6.7% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-28 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-27 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-26 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-25 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-22 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-21 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-20 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-19 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-18 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-15 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-14 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-13 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-12 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-05-11 A 4/5 5/5 4/5 4/5 2/5 4/5 3/5
2026-05-08 A 4/5 5/5 4/5 5/5 2/5 4/5 3/5
2026-05-07 A 4/5 5/5 4/5 5/5 2/5 4/5 3/5
2026-05-06 A 4/5 5/5 4/5 5/5 2/5 4/5 3/5
2026-04-30 A 4/5 5/5 4/5 5/5 2/5 4/5 3/5
2026-04-29 A 4/5 5/5 4/5 5/5 2/5 4/5 2/5
2026-04-28 A 4/5 5/5 4/5 5/5 2/5 4/5 2/5
2026-04-27 A 4/5 5/5 4/5 5/5 2/5 4/5 2/5
2026-04-24 A- 4/5 5/5 4/5 5/5 2/5 3/5 2/5
2026-04-23 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-22 A 4/5 5/5 5/5 5/5 2/5 3/5 2/5
2026-04-21 A 4/5 5/5 4/5 5/5 2/5 4/5 2/5
2026-04-20 A 4/5 5/5 4/5 5/5 2/5 4/5 2/5
2026-04-17 A 4/5 5/5 4/5 5/5 2/5 3/5 3/5
2026-04-16 A 4/5 5/5 4/5 5/5 2/5 3/5 3/5
2026-04-15 A 4/5 5/5 4/5 5/5 2/5 4/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
129.15B
OE per share TTM
2.92
Owner's Yield
42.69%
Maintenance CapEx ratio
21.17%
Maint CapEx / Avg PPE
6.6%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
444.3K
Shares Outstanding
44.22B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Shangyou Zeng Secretary of the Board 1M male
Houjie Zhou Chief Financial Officer & Financial Controller 1M male
Xiangqun Ding Executive Chairperson 1M female
Peng Zhao Vice Chairman & President 1M male
Jianyou Xiao Vice President & Executive Director 930.0K male
Zhiwei Cai Vice President 912.8K male
Jinhai Zhang Vice President & Senior Engineer 912.8K male
Ze Yu Vice President 912.8K male
Geng Tian Vice President 912.8K male
Qing feng Shi Head of the Discipline Inspection & Supervision Team of the People's Insurance Group 256.3K male
Ruikai Zhang Deputy Secretary General — —
Sau Mei Ng ACIS FCIS Company Secretary — female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

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