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STOCK COMPARISON

China Life Insurance Co Ltd A vs Prudential Financial: Fair Value & Quality

Both stocks run through our valuation models. Here is how China Life Insurance Co Ltd A (601628) and Prudential Financial (PRU) compare, as of Sep 5, 2026.

As of Sep 5, 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 ¥39.17 versus a fair value of ¥49.98 (+28%), while Prudential Financial trades at $123 versus $85.13 (-31%).
China Life Insurance Co Ltd A
601628.SHG · CNY · Financials
+28%
upside to fair value
undervalued
Price¥39.17
Fair Value¥49.98
Quality63/100
Prudential Financial
PRU · USD · Financials
-31%
upside to fair value
overvalued
Price$123
Fair Value$85.13
Quality51/100
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Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

China Life Insurance Co Ltd APrudential Financial
Valuation
7.3×P/E (TTM)12.3×
3.09×P/S (TTM)0.65×
1.78×P/B1.27×
6.0×EV/EBITDA8.4×
0.68×PEG1.29×
+27.6%Fair value upside−30.9%
2.2%Dividend yield4.4%
¥0.86Dividend per share$5.45
Profitability
38%Operating margin5%
4.26×EBIT margin trend (5Y)
25%Return on equity11%
2%Return on assets0%
Growth
-15%Revenue growth (YoY)15%
-9.5%Avg. growth/yr (3Y)-0.2%
-4.8%Avg. growth/yr (5Y)1.8%
+27.1%Value creation/yr−6.5%
Balance & size
43.7×Interest coverage (EBIT/interest)2.3×
0.06×Debt / equity0.66×
$158BMarket cap$41B
weakGrowth qualitymixed

China Life Insurance Co Ltd A leads: 9 to 6 metric wins.

Dash = 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 45 Prudential Financialof which business quality 48 · market factors 72
ProfitabilityMargins and returns on capital today
47
21
Quality GrowthAre margins and returns improving?
68
54
CashflowEarnings quality: real cash, not paper profit
100
70
Fin. StrengthBalance sheet, leverage, solvency risk
1
9
InvestmentDisciplined investing over empire-building
59
60
Low VolatilityCalm price path (market factor)
68
78
MomentumPrice trend over the last 3–12 months (market factor)
40
65
52W MomentumDistance to the 52-week high (market factor)
29
78
Net IssuanceBuybacks instead of dilution
82
100

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 ¥39.17Prudential FinancialPrice $123
Dividend Discount-54%below the price¥17.98-37%below the price$78.13
Multiples+28%above the price¥50.18+7%close to the price$132
Asset-Based-64%below the price¥14.11-49%below the price$62.57
Economic Profit+48%above the price¥57.79-22%below the price$96.15
Minimum-64%below the price¥14.11-49%below the price$62.57
Maximum+48%above the price¥57.79+7%close to the price$132
Median-13%close to the price¥34.08-29%below the price$87.14
Geometric mean-25%below the price¥29.28-28%below the price$88.80

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.

Prudential Financial: 4 of 6 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

China Life Insurance Co Ltd A
Bear ¥37.48Fair Value ¥49.98Bull ¥62.47
¥39.17 = current price (white tick)
Prudential Financial
Bear $63.84Fair Value $85.13Bull $106
$123 = current price (white tick)

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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+28% · above median

Prudential Financial · Financials

Quality score51 · below median
Fair value upside-31% · below median

Bottom line

As of Sep 5, 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 ¥39.17 versus a fair value of ¥49.98 (+28%), while Prudential Financial trades at $123 versus $85.13 (-31%).

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

See the full analysis →

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