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STOCK COMPARISON

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

Both stocks run through our valuation models. Here is how Standard Life (SDLF) and China Life Insurance Co Ltd A (601628) compare, as of Aug 8, 2026.

As of Aug 8, 2026, Fair Value Calculator sees China Life Insurance Co Ltd A as the more attractively valued of the two: Standard Life trades at £8.69 versus a fair value of £7.49 (-14%), while China Life Insurance Co Ltd A trades at ¥38.15 versus ¥70.87 (+86%).
Standard Life
SDLF.LSE · GBP · Financials
-14%
upside to fair value
overvalued
Price£8.69
Fair Value£7.49
Quality56/100
China Life Insurance Co Ltd A
601628.SHG · CNY · Financials
+86%
upside to fair value
undervalued
Price¥38.15
Fair Value¥70.87
Quality57/100

Head-to-head numbers

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

Standard LifeChina Life Insurance Co Ltd A
Valuation
P/E (TTM)7.3×
0.41×P/S (TTM)3.09×
15.97×P/B1.78×
25.8×EV/EBITDA6.0×
PEG0.68×
6.4%Dividend yield2.3%
£0.55Dividend per share¥0.86
Profitability
-2%Net margin42%
1%Operating margin38%
-22%Return on equity25%
0%Return on assets2%
Growth
128%Revenue growth (YoY)-15%
1.0%Avg. growth/yr (3Y)-9.5%
19.1%Avg. growth/yr (5Y)-4.8%
Balance & size
4.16×Debt / equity0.06×
$12BMarket cap$157B
mixedGrowth qualityweak

China Life Insurance Co Ltd A leads: 5 to 7 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.

Standard Lifeof which business quality 41 · market factors 81 China Life Insurance Co Ltd Aof which business quality 57 · market factors 42
ProfitabilityMargins and returns on capital today
7
47
Quality GrowthAre margins and returns improving?
65
68
CashflowEarnings quality: real cash, not paper profit
37
100
Fin. StrengthBalance sheet, leverage, solvency risk
7
1
InvestmentDisciplined investing over empire-building
90
59
Low VolatilityCalm price path (market factor)
76
68
MomentumPrice trend over the last 3–12 months (market factor)
77
32
52W MomentumDistance to the 52-week high (market factor)
94
29
Net IssuanceBuybacks instead of dilution
81
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.

Standard Life

Earnings-Based£4.33
Multiples£4.58
Asset-Based£0.49
Economic Profit£4.33

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

China Life Insurance Co Ltd A

DCF Models¥330
Earnings-Based¥135
Dividend Discount¥17.98
Multiples¥74.21
Asset-Based¥14.11
Growth DCF¥752
Economic Profit¥84.37
Growth Earnings¥170

3 of 25 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.

Standard Life
Bear £7.41Fair Value £7.49Bull £7.57
£8.69 = current price (white tick)
China Life Insurance Co Ltd A
Bear ¥53.15Fair Value ¥70.87Bull ¥88.58
¥38.15 = 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.

Standard Life · Financials

Quality score56 · below median
Fair value upside-14% · below median

China Life Insurance Co Ltd A · Financials

Quality score57 · above median
Fair value upside+86% · Top 25%

Bottom line

As of Aug 8, 2026, Fair Value Calculator sees China Life Insurance Co Ltd A as the more attractively valued of the two: Standard Life trades at £8.69 versus a fair value of £7.49 (-14%), while China Life Insurance Co Ltd A trades at ¥38.15 versus ¥70.87 (+86%).

China Life Insurance Co Ltd A has the higher quality score (57/100).

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.