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STOCK COMPARISON

China Life Insurance Co Ltd A vs Mediterranean&Gulf Insurance: Fair Value & Quality

Both stocks run through our valuation models. Here is how China Life Insurance Co Ltd A (601628) and Mediterranean&Gulf Insurance (8030) compare, as of Oct 1, 2026.

As of Oct 1, 2026, Fair Value Calculator sees China Life Insurance Co Ltd A as the more attractively valued of the two: China Life Insurance Co Ltd A trades at ¥36.70 versus a fair value of ¥49.98 (+36.2%), while Mediterranean&Gulf Insurance trades at SAR 15.47 versus SAR 3.47 (−77.6%).
China Life Insurance Co Ltd A
601628.SHG · CNY · Financials
+36.2%
upside to fair value
undervalued
Price¥36.70
Fair Value¥49.98
Quality63/100
Mediterranean&Gulf Insurance
8030.SR · SAR · Financials
−77.6%
upside to fair value
overvalued
PriceSAR 15.47
Fair ValueSAR 3.47
Quality41/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

China Life Insurance Co Ltd AMediterranean&Gulf Insurance
Valuation
4.3×P/E (TTM)41.8×
8.7×Forward P/E (FY2027)n/a
2.27×P/S (TTM)0.46×
1.74×P/B1.33×
3.3×EV/EBITDA20.9×
0.68×PEGn/a
+36.2%Fair value upside−77.6%
2.7%Dividend yieldn/a
¥0.98Dividend per sharen/a
Profitability
76.8%Operating margin3.0%
4.26×EBIT margin trend (5Y)0.30×
41.3%Return on equity4.3%
2.5%Return on assets1.1%
Growth
153.7%Revenue growth (YoY)24.8%
-9.5%Avg. growth/yr (3Y)25.3%
-4.8%Avg. growth/yr (5Y)20.9%
+30.9%Value creation/yr+4.6%
Balance & size
43.7×Interest coverage (EBIT/interest)19.5×
0.06×Debt / equityn/a
$155BMarket cap$564M
weakGrowth qualityexpensive
Forward P/E: price divided by the analyst consensus for the first fiscal year that has not started yet. The current year carries special items from quarters already reported.

China Life Insurance Co Ltd A leads: 8 to 5 metric wins.

n/a = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

China Life Insurance Co Ltd Aof which business quality 57 · market factors 43 Mediterranean&Gulf Insuranceof which business quality 44 · market factors 52
ProfitabilityMargins and returns on capital today
47
50
Quality GrowthAre margins and returns improving?
68
60
CashflowEarnings quality: real cash, not paper profit
100
7
Fin. StrengthBalance sheet, leverage, solvency risk
1
79
InvestmentDisciplined investing over empire-building
59
67
Low VolatilityCalm price path (market factor)
67
70
MomentumPrice trend over the last 3–12 months (market factor)
38
44
52W MomentumDistance to the 52-week high (market factor)
25
47
Net IssuanceShare count: buybacks or dilution?
82
0

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyChina Life Insurance Co Ltd APrice ¥36.70Mediterranean&Gulf InsurancePrice SAR 15.47
Dividend Discount−54.9%below the price¥16.56n/a
Multiples+36.7%above the price¥50.18−71.2%below the priceSAR 4.46
Asset-Based−61.6%below the price¥14.11−50.1%below the priceSAR 7.72
Economic Profit+48.3%above the price¥54.41−53.1%below the priceSAR 7.26
Minimum−61.6%below the price¥14.11−71.2%below the priceSAR 4.46
Maximum+48.3%above the price¥54.41−50.1%below the priceSAR 7.72
Median−9.1%close to the price¥33.37−53.1%below the priceSAR 7.26
Geometric mean−23.0%below the price¥28.26−59.3%below the priceSAR 6.30

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

China Life Insurance Co Ltd A: 4 of 6 models see the stock below the current price.

Mediterranean&Gulf Insurance: 4 of 4 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

China Life Insurance Co Ltd A
Price ¥36.70
Fair Value ¥49.98
Bear ¥33.84Bull ¥62.47
Mediterranean&Gulf Insurance
Price SAR 15.47
Fair Value SAR 3.47
Bear SAR 2.59Bull SAR 5.18

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

China Life Insurance Co Ltd A · Financials

Quality score63 · Top 25%
Fair value upside+36.2% · above median

Mediterranean&Gulf Insurance · Financials

Quality score41 · bottom 25%
Fair value upside−77.6% · bottom 25%

Bottom line

As of Oct 1, 2026, Fair Value Calculator sees China Life Insurance Co Ltd A as the more attractively valued of the two: China Life Insurance Co Ltd A trades at ¥36.70 versus a fair value of ¥49.98 (+36.2%), while Mediterranean&Gulf Insurance trades at SAR 15.47 versus SAR 3.47 (−77.6%).

China Life Insurance Co Ltd A has the higher quality score (63/100).

Open China Life Insurance Co Ltd A live analysis →

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.