People’s Insurance Group of China Co Ltd (1339) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of People’s Insurance Group of China Co Ltd HK$11.63, price HK$5.82, upside +100.0%, quality 61 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range HK$1.74 – HK$7.54 · fair‑value band HK$8.72 – HK$14.54 · the HK$5.82 price screens below the HK$11.63 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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The People's Insurance Company (Group) of China Limited, an investment holding company, offers insurance products and services in the People's Republic of China and Hong Kong. It operates through Property Insurance, Life Insurance, Health Insurance, Asset Management, and Headquarters and Other segments.
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The People's Insurance Company (Group) of China Limited, an investment holding company, offers insurance products and services in the People's Republic of China and Hong Kong. It operates through Property Insurance, Life Insurance, Health Insurance, Asset Management, and Headquarters and Other segments. The company provides motor vehicle, agricultural, accidental injury and health, liability, corporate property, and other insurances; life insurance products, including general, participating, and universal life; health, and accident insurance products; and health insurance products, such as medical, participating endowment, sickness, nursing, accidental injury, and disability income loss insurance products. It is also involved in asset management and other business; reinsurance business; internet banking; and provision of research and development, operations and maintenance, and technology services. The company was founded in 1949 and is based in Beijing, the People's Republic of China.
Stock analysis
People’s Insurance Group of China Co Ltd (1339) currently trades at HK$5.82, while our model-based Fair Value estimate is HK$11.63, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of HK$9.79 per share, and 3 of the 4 models we run sit above the HK$5.82 price.
Bear case: the Asset-Based group reads lowest at HK$4.69, and 1 of the 4 models stay below the price. Evidence for this calculation is low.
Scenario range: HK$8.72 (bear) to HK$14.54 (bull), the price of HK$5.82 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 61/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
People’s Insurance Group of China Co Ltd reported revenue of 647B CNY in FY2025 versus 592B CNY in FY2021, a compound +2.3%/yr. Reported net income was 45.0B CNY in FY2025, compounding +20.3%/yr from FY2021.
Key figures
Market cap HK$257B (≈ $32.8B) · P/E ratio 4.1 · P/S ratio 0.28 · EPS (TTM) HK$0.7714 · Dividend yield 3.6% · Net margin 7.0% · Return on equity 14.0% · Return on assets (EBIT) 3.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 23% below its 52-week high and 24% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −23% fair-value upside, at 100%, 1339 screens cheaper than that median.
Fair Value models
Bear HK$8.72Fair Value HK$11.63Bull HK$14.54
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (HK$0.4120 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.67/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+8.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.2%
Start year 2020 (pandemic). Over 10 years: +4.8% a year
Revenue growth 16 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.2%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+21.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+18.1%
Dividend (yield on the price)3.6%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.16% vs 12%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.6% → 11%
2025 sits 77% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Compare People’s Insurance Group of China Co Ltd with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Property & Casualty · 119 stocks
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "People’s Insurance Group of China Co Ltd Fair Value". https://www.fairvalue-calculator.com/stock/1339
Frequently asked questions
Is People’s Insurance Group of China Co Ltd (1339) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of HK$11.63 versus a price of HK$5.82, about +100% upside (undervalued).
What is the fair value of 1339?
Our model-based fair value for People’s Insurance Group of China Co Ltd is HK$11.63 (as of Sep 24, 2026), built from audited fundamentals. The current price: HK$5.82.
What is the quality score of 1339?
People’s Insurance Group of China Co Ltd has a Quality Score of 61/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for People’s Insurance Group of China Co Ltd (1339)?
Our model-based price target is the fair value of HK$11.63 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario HK$8.72, optimistic scenario HK$14.54. It is a calculation from audited fundamentals, not an analyst target.
What is the People’s Insurance Group of China Co Ltd stock forecast for 2026?
Our models put fair value at HK$11.63, about +100% upside versus a price of HK$5.82 (undervalued). Cautious scenario HK$8.72, optimistic scenario HK$14.54. The calculation is refreshed regularly with new filings.
What is the revenue of People’s Insurance Group of China Co Ltd (1339)?
People’s Insurance Group of China Co Ltd reported trailing-twelve-month revenue of about 617B CNY (latest available figure, as of Sep 24, 2026).
Does People’s Insurance Group of China Co Ltd pay a dividend?
People’s Insurance Group of China Co Ltd currently shows a dividend yield of about 3.62% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of People’s Insurance Group of China Co Ltd (1339)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For People’s Insurance Group of China Co Ltd it is HK$11.63 per share (as of Sep 24, 2026), against a price of HK$5.82. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is People’s Insurance Group of China Co Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 1339 trades below its calculated fair value: price HK$5.82, fair value HK$11.63, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 1339?
No. The price is what the market pays today (HK$5.82); the fair value is what the company's own numbers justify (HK$11.63). For People’s Insurance Group of China Co Ltd the two are HK$5.82 per share apart. That gap is exactly why we show both numbers side by side.
How much is People’s Insurance Group of China Co Ltd worth?
The market values People’s Insurance Group of China Co Ltd at about HK$257B (market capitalisation, as of Sep 24, 2026). Per share that is HK$5.82; our models calculate a fair value of HK$11.63 per share.
What do the bullish and bearish scenarios say about 1339?
Our models span a range for People’s Insurance Group of China Co Ltd: cautious scenario HK$8.72, base HK$11.63, optimistic HK$14.54 per share (as of Sep 24, 2026, price HK$5.82). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 1339?
People’s Insurance Group of China Co Ltd trades at a price-to-earnings ratio of 4.1 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of HK$11.63 is built from several models across several years. Other multiples: PEG 0.5, P/B 0.7, P/S 0.4, EV/EBITDA 2.6.
What is the PEG ratio of 1339?
The PEG ratio of People’s Insurance Group of China Co Ltd is 0.46 (P/E divided by earnings growth, as of Sep 24, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of People’s Insurance Group of China Co Ltd (1339)?
Balance-sheet figures for People’s Insurance Group of China Co Ltd (as of Sep 24, 2026): return on equity 14.0%, debt of 0.14 per unit of equity. They feed the Quality Score of 61/100, which measures business quality independently of the share price.
How far is 1339 from its 52-week high?
People’s Insurance Group of China Co Ltd trades at HK$5.82, about 23% below its 52-week high of HK$7.54 and 24% above the low of HK$4.69 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of HK$11.63 is for.
Which stocks are comparable to People’s Insurance Group of China Co Ltd?
From the same area (Financial Services) we also value The Progressive Corporation, Chubb Limited, The Travelers Companies, Inc, The Allstate Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is People’s Insurance Group of China Co Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price HK$5.82, calculated fair value HK$11.63 (+100%), Quality Score 61/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 1339 calculated?
We run People’s Insurance Group of China Co Ltd through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of HK$11.63, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. People’s Insurance Group of China Co Ltd currently trades 100 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of People’s Insurance Group of China Co Ltd (1339)?
The closing price on Sep 23, 2026 was HK$5.82. Our model-based fair value is HK$11.63, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with People’s Insurance Group of China Co Ltd right now?
The price is below even our cautious bear case (HK$8.72). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (61/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of People’s Insurance Group of China Co Ltd (1339) come from?
Earnings per share at People’s Insurance Group of China Co Ltd grew +9.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +4.0 %, EBIT margin +4.0 %, tax rate +0.8 %, residual (interest, one-offs) +0.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of People’s Insurance Group of China Co Ltd
How large is the market capitalisation of People’s Insurance Group of China Co Ltd (1339)?
The market capitalisation of People’s Insurance Group of China Co Ltd is HK$257B (≈ $32.8B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of People’s Insurance Group of China Co Ltd (1339)?
The price-to-sales ratio of People’s Insurance Group of China Co Ltd is 0.28 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of People’s Insurance Group of China Co Ltd (1339)?
Earnings per share at People’s Insurance Group of China Co Ltd are HK$0.7714 (price ÷ EPS = P/E 4.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of People’s Insurance Group of China Co Ltd (1339)?
The dividend yield of People’s Insurance Group of China Co Ltd is 3.6% (payout 27.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of People’s Insurance Group of China Co Ltd (1339)?
The net margin of People’s Insurance Group of China Co Ltd is 7.0% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of People’s Insurance Group of China Co Ltd (1339)?
The return on equity (ROE) of People’s Insurance Group of China Co Ltd is 14.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of People’s Insurance Group of China Co Ltd (1339)?
On an EBIT basis the return on assets of People’s Insurance Group of China Co Ltd is 3.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of People’s Insurance Group of China Co Ltd (1339)?
The operating margin of People’s Insurance Group of China Co Ltd is 10.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at People’s Insurance Group of China Co Ltd (1339)?
Revenue at People’s Insurance Group of China Co Ltd is growing −4.4% versus a year earlier (3y avg +10.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at People’s Insurance Group of China Co Ltd (1339)?
Earnings per share at People’s Insurance Group of China Co Ltd are growing −34.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does People’s Insurance Group of China Co Ltd (1339) generate?
The free cash flow of People’s Insurance Group of China Co Ltd is 139B CNY (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does People’s Insurance Group of China Co Ltd (1339) carry?
The net debt of People’s Insurance Group of China Co Ltd is 151B CNY (fiscal year 2025, ≈ 1.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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