With headquarters in Beijing and commanding about 20% market share, China Life Insurance is the largest life insurance company in China. The firm offers group and individual life insurance through exclusive agents, bancassurance, and other marketing platforms. While the bulk of profits stem from life insurance policies, additional operations include short-term policies such as accident and health insurance. The company is focusing on building a senior-care ecosystem and reforming a new agent team for long-term growth.

Financial Strength

5/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	3.05
Equity-to-Asset	0.08
Debt-to-Equity	0.11
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.73	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

7/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	0.8
	3-Year EPS without NRI Growth Rate	-0.3
	3-Year FCF Growth Rate	9.3
	3-Year Book Growth Rate	0.7
	Future 3-5Y EPS without NRI Growth Rate	13.7
	Future 3-5Y Total Revenue Growth Rate	-3.78

Momentum Rank

7/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	69.08
	9-Day RSI	57.67
	14-Day RSI	53.01
	6-1 Month Momentum %	-14.71
	12-1 Month Momentum %	-33.36

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	5.61
	Dividend Payout Ratio	0.21
	3-Year Dividend Growth Rate	-12.4
	Forward Dividend Yield %	4.92
	5-Year Yield-on-Cost %	11.63
	Shareholder Yield %	2.51

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	2.55
	FCF Margin %	46.31
	ROE %	4.69
	ROA %	0.38
	Years of Profitability over Past 10-Year	10

GF Value Rank

5/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	11.2
	Forward PE Ratio	15.8
	PE Ratio without NRI	3.7
	Shiller PE Ratio	21.61
	Price-to-Owner-Earnings	53.58
	PS Ratio	1.02
	PB Ratio	1.76
	Price-to-Tangible-Book	1.79
	Price-to-Free-Cash-Flow	2.18
	Price-to-Operating-Cash-Flow	2.16
	EV-to-Revenue	0.65
	EV-to-Forward-Revenue	0.58
	EV-to-FCF	1.45
	Price-to-Projected-FCF	0.26
	Price-to-Median-PS-Value	0.82
	Price-to-Graham-Number	0.99
	FCF Yield %	58.17

GF Value: HK$9.82

HKSE:02628

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