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STOCK COMPARISON

China Life Insurance Co Ltd A vs Kansas City Life Insurance: Fair Value & Quality

Both stocks run through our valuation models. Here is how China Life Insurance Co Ltd A (601628) and Kansas City Life Insurance (KCLI) compare, as of Sep 25, 2026.

As of Sep 25, 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 ¥37.43 versus a fair value of ¥49.98 (+34%), while Kansas City Life Insurance trades at $36.19 versus $5.92 (-84%).
China Life Insurance Co Ltd A
601628.SHG · CNY · Financials
+34%
upside to fair value
undervalued
Price¥37.43
Fair Value¥49.98
Quality63/100
Kansas City Life Insurance
KCLI · USD · Financials
-84%
upside to fair value
overvalued
Price$36.19
Fair Value$5.92
Quality39/100
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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 AKansas City Life Insurance
Valuation
7.3×P/E (TTM)n/a
3.09×P/S (TTM)0.72×
1.78×P/B0.53×
6.0×EV/EBITDAn/a
0.68×PEG3.06×
+33.5%Fair value upside−83.6%
2.3%Dividend yield1.8%
¥0.86Dividend per share$0.64
Profitability
38%Operating margin3%
4.26×EBIT margin trend (5Y)0.64×
25%Return on equity-2%
2%Return on assets-0%
Growth
-15%Revenue growth (YoY)-0%
-9.5%Avg. growth/yr (3Y)0.7%
-4.8%Avg. growth/yr (5Y)-0.9%
+30.5%Value creation/yrn/a
Balance & size
43.7×Interest coverage (EBIT/interest)n/a
0.06×Debt / equity0.00×
$158BMarket cap$350M
weakGrowth qualityweak

China Life Insurance Co Ltd A leads: 6 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 Kansas City Life Insuranceof which business quality 36 · market factors 71
ProfitabilityMargins and returns on capital today
47
6
Quality GrowthAre margins and returns improving?
68
52
CashflowEarnings quality: real cash, not paper profit
100
33
Fin. StrengthBalance sheet, leverage, solvency risk
1
1
InvestmentDisciplined investing over empire-building
59
82
Low VolatilityCalm price path (market factor)
68
92
MomentumPrice trend over the last 3–12 months (market factor)
37
55
52W MomentumDistance to the 52-week high (market factor)
26
75
Net IssuanceShare count: buybacks or dilution?
82
82

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 ¥37.43Kansas City Life InsurancePrice $36.19
Dividend Discount-56%below the price¥16.56-85%below the price$5.42
Multiples+34%above the price¥50.18n/a
Asset-Based-62%below the price¥14.11+27%above the price$46.05
Economic Profit+46%above the price¥54.77n/a
Minimum-62%below the price¥14.11-85%below the price$5.42
Maximum+46%above the price¥54.77+27%above the price$46.05
Median-11%close to the price¥33.37-29%below the price$25.74
Geometric mean-24%below the price¥28.31-56%below the price$15.80

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.

Kansas City Life Insurance: 2 of 3 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 ¥37.43
Fair Value ¥49.98
Bear ¥36.45Bull ¥62.47
Kansas City Life Insurance
Price $36.19
Fair Value $5.92
Bear $4.78Bull $7.06

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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+34% · above median

Kansas City Life Insurance · Financials

Quality score39 · bottom 25%
Fair value upside-84% · bottom 25%

Bottom line

As of Sep 25, 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 ¥37.43 versus a fair value of ¥49.98 (+34%), while Kansas City Life Insurance trades at $36.19 versus $5.92 (-84%).

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.