The People's Insurance Company (Group) of China Limited
The People's Insurance Company (Group) of China Limited Fundamental Analysis
The People's Insurance Company (Group) of China Limited (PINXY) shows moderate financial fundamentals with a PE ratio of 4.75, profit margin of 8.49%, and ROE of 18.30%. The company generates $619.0B in annual revenue with strong year-over-year growth of 19.34%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 73.8/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze PINXY's fundamental strength across five key dimensions:
Efficiency Score
WeakPINXY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentPINXY trades at attractive valuation levels.
Growth Score
ExcellentPINXY delivers strong and consistent growth momentum.
Financial Health Score
ModeratePINXY shows balanced financial health with some risks.
Profitability Score
ModeratePINXY maintains healthy but balanced margins.
Key Financial Metrics
Is PINXY Expensive or Cheap?
P/E Ratio
PINXY trades at 4.75 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, PINXY's PEG of -0.02 indicates potential undervaluation.
Price to Book
The market values The People's Insurance Company (Group) of China Limited at 0.79 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 1.75 times EBITDA. This is generally considered low.
How Well Does PINXY Make Money?
Net Profit Margin
For every $100 in sales, The People's Insurance Company (Group) of China Limited keeps $8.49 as profit after all expenses.
Operating Margin
Core operations generate 2.49 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $18.30 in profit for every $100 of shareholder equity.
ROA
The People's Insurance Company (Group) of China Limited generates $2.70 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
The People's Insurance Company (Group) of China Limited produces operating cash flow of $100.29B, showing steady but balanced cash generation.
Free Cash Flow
The People's Insurance Company (Group) of China Limited generates strong free cash flow of $96.00B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $43.42 in free cash annually.
FCF Yield
PINXY converts 38.48% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
4.75
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.02
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.79
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.40
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.52
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.18
vs 25 benchmark
ROA
Return on assets percentage
0.03
vs 25 benchmark
ROCE
Return on capital employed
0.008
vs 25 benchmark
How PINXY Stacks Against Its Sector Peers
| Metric | PINXY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 4.75 | 18.50 | Better (Cheaper) |
| ROE | 18.30% | 809.00% | Weak |
| Net Margin | 8.49% | 2211.00% | Weak |
| Debt/Equity | 0.52 | 0.90 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 692.04 | Weak Liquidity |
| ROA | 2.70% | -24328.00% (disorted) | Weak |
PINXY outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews The People's Insurance Company (Group) of China Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
8.90%
Industry Style: Value, Dividend, Cyclical
GrowingEPS CAGR
34.75%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
139.05%
Industry Style: Value, Dividend, Cyclical
High Growth