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STOCK COMPARISON

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

Both stocks run through our valuation models. Here is how Mediterranean&Gulf Insurance (8030) and China Life Insurance Co Ltd A (601628) compare, as of Aug 17, 2026.

As of Aug 17, 2026, Fair Value Calculator sees China Life Insurance Co Ltd A as the more attractively valued of the two: Mediterranean&Gulf Insurance trades at SAR 17.47 versus a fair value of SAR 2.78 (-84%), while China Life Insurance Co Ltd A trades at ¥36.84 versus ¥49.98 (+36%).
Mediterranean&Gulf Insurance
8030.SR · SAR · Financials
-84%
upside to fair value
overvalued
PriceSAR 17.47
Fair ValueSAR 2.78
Quality41/100
China Life Insurance Co Ltd A
601628.SHG · CNY · Financials
+36%
upside to fair value
undervalued
Price¥36.84
Fair Value¥49.98
Quality63/100

Head-to-head numbers

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

Mediterranean&Gulf InsuranceChina Life Insurance Co Ltd A
Valuation
47.2×P/E (TTM)7.3×
0.12×P/S (TTM)3.09×
0.33×P/B1.78×
EV/EBITDA6.0×
PEG0.68×
8.0%Dividend yield2.3%
Dividend per share¥0.86
Profitability
1%Net margin42%
3%Operating margin38%
4%Return on equity25%
1%Return on assets2%
Growth
25%Revenue growth (YoY)-15%
25.3%Avg. growth/yr (3Y)-9.5%
20.9%Avg. growth/yr (5Y)-4.8%
Balance & size
Debt / equity0.06×
$533MMarket cap$157B
expensiveGrowth qualityweak

Mediterranean&Gulf Insurance leads: 6 to 5 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.

Mediterranean&Gulf Insuranceof which business quality 44 · market factors 67 China Life Insurance Co Ltd Aof which business quality 57 · market factors 37
ProfitabilityMargins and returns on capital today
50
47
Quality GrowthAre margins and returns improving?
60
68
CashflowEarnings quality: real cash, not paper profit
7
100
Fin. StrengthBalance sheet, leverage, solvency risk
79
1
InvestmentDisciplined investing over empire-building
67
59
Low VolatilityCalm price path (market factor)
69
68
MomentumPrice trend over the last 3–12 months (market factor)
63
26
52W MomentumDistance to the 52-week high (market factor)
72
21
Net IssuanceBuybacks instead of dilution
0
82

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Mediterranean&Gulf Insurance

Dividend DiscountSAR 15.51
MultiplesSAR 4.46
Asset-BasedSAR 7.72
Economic ProfitSAR 7.53

6 of 6 models see the stock below the current price.

China Life Insurance Co Ltd A

Dividend Discount¥17.98
Multiples¥50.18
Asset-Based¥14.11
Economic Profit¥57.79

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.

Mediterranean&Gulf Insurance
Bear SAR 2.08Fair Value SAR 2.78Bull SAR 3.48
SAR 17.47 = current price (white tick)
China Life Insurance Co Ltd A
Bear ¥37.48Fair Value ¥49.98Bull ¥62.47
¥36.84 = 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.

Mediterranean&Gulf Insurance · Financials

Quality score41 · bottom 25%
Fair value upside-84% · bottom 25%

China Life Insurance Co Ltd A · Financials

Quality score63 · Top 25%
Fair value upside+36% · above median

Bottom line

As of Aug 17, 2026, Fair Value Calculator sees China Life Insurance Co Ltd A as the more attractively valued of the two: Mediterranean&Gulf Insurance trades at SAR 17.47 versus a fair value of SAR 2.78 (-84%), while China Life Insurance Co Ltd A trades at ¥36.84 versus ¥49.98 (+36%).

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 21 models. Values change with price and fundamentals; the date shown above applies.