China Reinsurance(Group)Corp (1508) fair value: what the stock is really worth
As of Sep 30, 2026: fair value of China Reinsurance(Group)Corp HK$2.41, price HK$1.25, upside +92.8%, quality 62 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range HK$0.3178 – HK$1.70 · fair‑value band HK$1.81 – HK$3.01 · the HK$1.25 price screens below the HK$2.41 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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China Reinsurance (Group) Corporation, together with its subsidiaries, operates as a reinsurance company in the People's Republic of China and internationally. The company operates through Property and Casualty Reinsurance, Life and Health Reinsurance, Primary Property and Casualty Insurance, Asset Management, and Other segments.
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China Reinsurance (Group) Corporation, together with its subsidiaries, operates as a reinsurance company in the People's Republic of China and internationally. The company operates through Property and Casualty Reinsurance, Life and Health Reinsurance, Primary Property and Casualty Insurance, Asset Management, and Other segments. It offers reinsurance products, including motor, commercial and household property, engineering, marine hull, liability, credit and guarantee, health, agriculture, space and aviation, energy, nuclear, etc.; and insurance agency services, such as risk identification, assessment and consulting, insurance program design, insurance procurement, insurance policy management, claim management, disaster and accident prevention management, overall risk management, and reinsurance arrangement products. The company also provides specialty insurance, asset management, insurance brokerage, risk evaluation and management, underwriting agency, information technology, risk advisory, management consulting, and investment management services, as well as issues bonds. In addition, it is involved in the e-commerce business; management of insurance; and provision of multi-asset investment products, such as project-based financing programs, asset-backed securities, infrastructure investment programs, and real estate investment programs. The company was founded in 1949 and is headquartered in Beijing, the People's Republic of China.
Stock analysis
China Reinsurance(Group)Corp (1508) currently trades at HK$1.25, while our model-based Fair Value estimate is HK$2.41, implying the stock looks roughly 48.1% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of HK$3.41 per share, and 4 of the 4 models we run sit above the HK$1.25 price.
Bear case: the Asset-Based group reads lowest at HK$2.02, and 0 of the 4 models stay below the price. Evidence for this calculation is low.
Scenario range: HK$1.81 (bear) to HK$3.01 (bull), the price of HK$1.25 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 62/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
China Reinsurance(Group)Corp reported revenue of 113B CNY in FY2025 versus 164B CNY in FY2021, a compound −8.9%/yr. Reported net income was 9.5B CNY in FY2025, compounding +12.4%/yr from FY2021.
Key figures
Market cap HK$53.1B (≈ $6.8B) · P/E ratio 4.2 · P/S ratio 0.35 · Dividend yield 5.5% · Net margin 8.4% · Return on equity 9.4% · Return on assets (EBIT) 6.7% · Operating margin 18.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (medium confidence).
What moves the price
The share trades about 27% below its 52-week high and 19% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 15% fair-value upside, at 93%, 1508 screens cheaper than that median.
Fair Value models
Bear HK$1.81Fair Value HK$2.41Bull HK$3.01
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.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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.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.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+32.2%
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.
+8.6%
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.
−7.6%
Start year 2020 (pandemic). Over 10 years: +2.8% 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.
+6.8%
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What shareholders gained per year (last 5 years) ⓘ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.
+15.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+9.8%
Dividend (yield on the price)5.5%
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.9.8% vs 4.2%, picking up
Profit margin 2009 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.12% → 11%
Compare China Reinsurance(Group)Corp 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 - Reinsurance · 25 stocks
Beats the industry median on 11/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score63 · Top 25%
Fair Value upside+92.8% · Top 25%
Profitability
Return on equity (TTM)9.4% · Below median
Return on assets1.9% · Below median
Net margin (TTM)9.7% · Below median
Operating margin (TTM)18.4% · Above median
Growth and dividend
Revenue growth5.2% · Top 25%
Dividend yield (TTM)5.5% · Top 25%
Balance sheet
Debt / equity0.12× · Below median
Valuation Multiplesvs Insurance - Reinsurance median · lower = cheaper
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). "China Reinsurance(Group)Corp Fair Value". https://www.fairvalue-calculator.com/stock/1508
Frequently asked questions
Is China Reinsurance(Group)Corp (1508) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of HK$2.41 versus a price of HK$1.25, about +93% upside (undervalued).
What is the fair value of 1508?
Our model-based fair value for China Reinsurance(Group)Corp is HK$2.41 (as of Sep 27, 2026), built from audited fundamentals. The current price: HK$1.25.
What is the quality score of 1508?
China Reinsurance(Group)Corp has a Quality Score of 62/100. 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 China Reinsurance(Group)Corp (1508)?
Our model-based price target is the fair value of HK$2.41 (as of Sep 27, 2026) from 4 valuation models. Cautious scenario HK$1.81, optimistic scenario HK$3.01. It is a calculation from audited fundamentals, not an analyst target.
What is the China Reinsurance(Group)Corp stock forecast for 2026?
Our models put fair value at HK$2.41, about +93% upside versus a price of HK$1.25 (undervalued). Cautious scenario HK$1.81, optimistic scenario HK$3.01. The calculation is refreshed regularly with new filings.
What is the revenue of China Reinsurance(Group)Corp (1508)?
China Reinsurance(Group)Corp reported trailing-twelve-month revenue of about 111B CNY (latest available figure, as of Sep 27, 2026).
Does China Reinsurance(Group)Corp pay a dividend?
China Reinsurance(Group)Corp currently shows a dividend yield of about 5.52% relative to its recent price (as of Sep 27, 2026).
What is the intrinsic value of China Reinsurance(Group)Corp (1508)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For China Reinsurance(Group)Corp it is HK$2.41 per share (as of Sep 27, 2026), against a price of HK$1.25. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is China Reinsurance(Group)Corp stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 1508 trades below its calculated fair value: price HK$1.25, fair value HK$2.41, a gap of about +93% (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 1508?
No. The price is what the market pays today (HK$1.25); the fair value is what the company's own numbers justify (HK$2.41). For China Reinsurance(Group)Corp the two are HK$1.16 per share apart. That gap is exactly why we show both numbers side by side.
How much is China Reinsurance(Group)Corp worth?
The market values China Reinsurance(Group)Corp at about HK$53.1B (market capitalisation, as of Sep 27, 2026). Per share that is HK$1.25; our models calculate a fair value of HK$2.41 per share.
What do the bullish and bearish scenarios say about 1508?
Our models span a range for China Reinsurance(Group)Corp: cautious scenario HK$1.81, base HK$2.41, optimistic HK$3.01 per share (as of Sep 27, 2026, price HK$1.25). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 1508?
China Reinsurance(Group)Corp trades at a price-to-earnings ratio of 4.2 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of HK$2.41 is built from several models across several years. Other multiples: P/B 0.4, P/S 0.4, EV/EBITDA 2.5.
How solid is the balance sheet of China Reinsurance(Group)Corp (1508)?
Balance-sheet figures for China Reinsurance(Group)Corp (as of Sep 27, 2026): return on equity 9.4%, debt of 0.12 per unit of equity. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is 1508 from its 52-week high?
China Reinsurance(Group)Corp trades at HK$1.25, about 27% below its 52-week high of HK$1.70 and 19% above the low of HK$1.05 (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of HK$2.41 is for.
Which stocks are comparable to China Reinsurance(Group)Corp?
From the same area (Financial Services) we also value MUV2, Swiss Re AG, Hannover Rück SE, Reinsurance Group, 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 China Reinsurance(Group)Corp stock attractive at the current price?
The data as of Sep 27, 2026: price HK$1.25, calculated fair value HK$2.41 (+93%), Quality Score 62/100, 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 1508 calculated?
We run China Reinsurance(Group)Corp 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$2.41, 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 14.7 % above its aggregate fair value. China Reinsurance(Group)Corp currently trades 48 % 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 China Reinsurance(Group)Corp (1508)?
The closing price on Sep 30, 2026 was HK$1.25. Our model-based fair value is HK$2.41, about +93% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with China Reinsurance(Group)Corp right now?
The price is below even our cautious bear case (HK$1.81). 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 (62/100) 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 China Reinsurance(Group)Corp (1508) come from?
Earnings per share at China Reinsurance(Group)Corp grew +4.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share +0.7 %, EBIT margin +5.2 %, tax rate +0.2 %, residual (interest, one-offs) −1.5 %. 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 China Reinsurance(Group)Corp
How large is the market capitalisation of China Reinsurance(Group)Corp (1508)?
The market capitalisation of China Reinsurance(Group)Corp is HK$53.1B (≈ $6.8B). 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 China Reinsurance(Group)Corp (1508)?
The price-to-sales ratio of China Reinsurance(Group)Corp is 0.35 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the dividend yield of China Reinsurance(Group)Corp (1508)?
The dividend yield of China Reinsurance(Group)Corp is 5.5%. 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 China Reinsurance(Group)Corp (1508)?
The net margin of China Reinsurance(Group)Corp is 8.4% (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 China Reinsurance(Group)Corp (1508)?
The return on equity (ROE) of China Reinsurance(Group)Corp is 9.4% (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 China Reinsurance(Group)Corp (1508)?
On an EBIT basis the return on assets of China Reinsurance(Group)Corp is 6.7% (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 China Reinsurance(Group)Corp (1508)?
The operating margin of China Reinsurance(Group)Corp is 18.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at China Reinsurance(Group)Corp (1508)?
Revenue at China Reinsurance(Group)Corp is growing +5.2% versus a year earlier (3y avg +8.6%). 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 China Reinsurance(Group)Corp (1508)?
Earnings per share at China Reinsurance(Group)Corp are growing +15.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does China Reinsurance(Group)Corp (1508) generate?
The free cash flow of China Reinsurance(Group)Corp is 28.2B 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 cash does China Reinsurance(Group)Corp (1508) hold?
China Reinsurance(Group)Corp holds more cash than debt, 2.8B CNY net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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