Ping An Insurance (Group) Company of China, Ltd.
Ping An Insurance (Group) Company of China, Ltd. Fundamental Analysis
Ping An Insurance (Group) Company of China, Ltd. (PNGAY) shows moderate financial fundamentals with a PE ratio of 7.22, profit margin of 13.45%, and ROE of 13.92%. The company generates $1002.2B in annual revenue with moderate year-over-year growth of 6.26%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 45.3/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze PNGAY's fundamental strength across five key dimensions:
Efficiency Score
WeakPNGAY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentPNGAY trades at attractive valuation levels.
Growth Score
ExcellentPNGAY delivers strong and consistent growth momentum.
Financial Health Score
WeakPNGAY carries high financial risk with limited liquidity.
Profitability Score
WeakPNGAY struggles to sustain strong margins.
Key Financial Metrics
Is PNGAY Expensive or Cheap?
P/E Ratio
PNGAY trades at 7.22 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, PNGAY's PEG of -0.27 indicates potential undervaluation.
Price to Book
The market values Ping An Insurance (Group) Company of China, Ltd. at 0.97 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -11.18 times EBITDA. This is generally considered low.
How Well Does PNGAY Make Money?
Net Profit Margin
For every $100 in sales, Ping An Insurance (Group) Company of China, Ltd. keeps $13.45 as profit after all expenses.
Operating Margin
Core operations generate 51.41 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $13.92 in profit for every $100 of shareholder equity.
ROA
Ping An Insurance (Group) Company of China, Ltd. generates $0.97 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Ping An Insurance (Group) Company of China, Ltd. generates strong operating cash flow of $458.73B, reflecting robust business health.
Free Cash Flow
Ping An Insurance (Group) Company of China, Ltd. generates strong free cash flow of $450.44B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $49.75 in free cash annually.
FCF Yield
PNGAY converts 46.28% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
7.22
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.27
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.97
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.97
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
2.61
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.14
vs 25 benchmark
ROA
Return on assets percentage
0.010
vs 25 benchmark
ROCE
Return on capital employed
0.04
vs 25 benchmark
How PNGAY Stacks Against Its Sector Peers
| Metric | PNGAY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 7.22 | 19.11 | Better (Cheaper) |
| ROE | 13.92% | 821.00% | Weak |
| Net Margin | 13.45% | 1655.00% | Weak |
| Debt/Equity | 2.61 | 1.00 | Weak (High Leverage) |
| Current Ratio | 0.00 | 659.22 | Weak Liquidity |
| ROA | 0.97% | 1976.00% | Weak |
PNGAY outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Ping An Insurance (Group) Company of China, Ltd.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
-23.72%
Industry Style: Value, Dividend, Cyclical
DecliningEPS CAGR
-14.85%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
54.08%
Industry Style: Value, Dividend, Cyclical
High Growth