China Pacific Insurance Group Co Ltd (601601) fair value: what the stock is really worth
We calculate from audited financials what China Pacific Insurance Group Co Ltd is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.
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CPChina Pacific Insurance Group Co Ltd601601 · SHG
Price¥33.56
Fair Value¥57.51
Upside+71.4%
Quality64/100
A solid business, trading 42% below our fair value of ¥57.51.
As of Aug 19, 2026, the fair value of China Pacific Insurance Group Co Ltd is ¥57.51 per share against a price of ¥33.56, so the fair value sits 71% above the price. A model estimate from reported figures, not an analyst target.
!Weak Growth (revenue 5y −1.6 %/yr)
✓Solidly profitable · 16.3% net margin
✓Low debt · generates free cash flow
·3.43% dividend yield
✓Ranks above peers (13/15)
!Moderate moat 58/100
Evidence: HighRange ¥43.14 to ¥71.89
Fair value as of: Aug 19, 2026
From 6 valuation models · updated 21 days ago
Share price +6.6% over the past month.
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69 individual criteria per stock, every one traceable See the method →
What matters now
The price is below even our cautious bear case (¥43.14). The market is more pessimistic than our downside scenario.
Solid quality (64/100) 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.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 19, 2026.
How to read this chart
60‑month range ¥17.33 – ¥47.89 · fair‑value band ¥43.14 – ¥71.89 · the ¥33.56 price screens below the ¥57.51 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 19, 2026.
China Pacific Insurance Group Co Ltd (601601) currently trades at ¥33.56, while our model-based Fair Value estimate is ¥57.51, implying the stock looks roughly 41.6% undervalued today. The Quality Score stands at 64/100 (solid quality), in the Financial Services sector. Bull case: the Economic Profit group reads highest at a median of ¥50.46 per share, and 3 of the 6 models we run sit above the ¥33.56 price. Bear case: the Asset-Based group reads lowest at ¥21.04, and 3 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, China Pacific Insurance Group Co Ltd generated revenue of 334B CNY at a net margin of 16.0%. Revenue declined 3.3% year over year. It earns a return on equity of 17.0%. Net debt stands at 166B CNY. Fundamentals as of Aug 19, 2026
Scenario range: ¥43.14 (bear) to ¥71.89 (bull), the price of ¥33.56 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades about 31% below its 52-week high and 9% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −30% fair-value upside, at 71%, 601601 screens cheaper than that median.
Fair Value models
Based on fiscal year 2025 figures (about 8 months old). Earnings retained since then (¥2.99 per share) are deliberately not added.
Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →
ModelBear ⓘ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
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Key figures & financial health
P/E ratio5.7as of Jun 7, 2026
P/S ratio0.78P/E × margin
EPS (TTM)¥5.48price ÷ EPS = P/E 5.7
Dividend yield3.4%payout 21.0%
Net margin13.8%FY2025
Return on equity17.0%TTM
More key figures
Profitability
Return on assets (EBIT)1.8%avg 5y
Operating margin16.3%TTM
Growth
Revenue (TTM)334B CNYTTM
Revenue growth (YoY)−3.3%3y avg +12.2%
EPS growth (YoY)−6.0%
Balance sheet & cash flow
Free cash flow265B CNYFY2025
Net debt166B CNYFY2025 · ≈ 0.6 yrs of FCF
Figures from reported company fundamentals · as of Aug 19, 2026. TTM = trailing twelve months.
Quality Score breakdown
Overall quality64/100
Of which business quality 56
· Market factors (momentum, volatility) 42
Profitability35
Margins and returns on capital today
Quality Growth70
Are margins and returns improving?
Cashflow100
Earnings quality: real cash, not paper profit
Fin. Strength8
Balance sheet, leverage, solvency risk
Investment53
Disciplined investing over empire-building
Low Volatility80
Calm price path (market factor)
Momentum28
Price trend over the last 3–12 months (market factor)
52W Momentum22
Distance to the 52-week high (market factor)
Net Issuance82
Buybacks instead of dilution
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
China Pacific Insurance (Group) Co., Ltd., together with its subsidiaries, provides insurance products to in the People's Republic of China. It operates through Life and Health Insurance, Property and Casualty Insurance, Asset Management, and Other Business segments.
Full company description
China Pacific Insurance (Group) Co., Ltd., together with its subsidiaries, provides insurance products to in the People's Republic of China. It operates through Life and Health Insurance, Property and Casualty Insurance, Asset Management, and Other Business segments. The company offers life, health, automobile, liability, agricultural, property and casualty, commercial property, and accident insurance products; pension and annuity insurance products; investments with insurance funds, etc.; and reinsurance products. It also provides real estate and property management, consulting, medical and health consulting, insurance agency, fund management, seniors and disabled care, elderly, nursing, real estate development and operation, technical and seniors care consulting, technical, cloud computing, bid data, business, hospital management, and medical services; and senior living property investment, construction, and management services. In addition, the company offers investment management, pension fund and insurance asset management, private equity investment fund management, and non-residential real estate leasing services. China Pacific Insurance (Group) Co., Ltd. was founded in 1991 and is headquartered in Shanghai, the People's Republic of China.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
China Pacific Insurance Group Co Ltd reported revenue of 386B CNY in FY2025 versus 437B CNY in FY2021, a compound −3.0%/yr. Reported net income was 53.5B CNY in FY2025, compounding +18.8%/yr from FY2021.
Growth Quality 40/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2025)
386B CNY
Latest YoY
+23.3%
Avg. revenue growth/yr (3Y) ⓘ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.
+12.2%
Avg. revenue growth/yr (5Y) ⓘ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.
−1.6%
Avg. revenue growth/yr (21Y) ⓘ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.
+10.9%
Value creation/yr (5Y) ⓘEarnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year.
+18.2%
Earnings growth per share plus dividend yield: the value created per share and year.
Earnings growth per share+14.8%
Dividend yield3.4%
Trend ⓘ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.5Y 14.8% vs 10Y 15.4%, steady
Operating margin (EBIT) ⓘ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.7.0% (2020) → 17.1% (2025) · rising
Worst earnings drop70% (2008) · in CNY
Revenue−3.0%/yr
FY21437B CNY
FY22274B CNY
FY23276B CNY
FY24313B CNY
FY25386B CNY
Net income+18.8%/yr
FY2126.8B CNY
FY2237.4B CNY
FY2327.3B CNY
FY2445.0B CNY
FY2553.5B CNY
Character of growth · EPS growth decomposed (2014-2025)+12.6 % p.a.
Revenue per share+2.6 %
of which total revenue +3.3 % · buybacks/dilution −0.7 %
EBIT margin+8.6 %
Tax rate+1.2 %
Residual (interest, one-offs)−0.2 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
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.
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
This stockSector peers
VALUE100· sector 14
FUTURE0· sector 43
PAST69· sector 43
HEALTH96· sector 84
DIVIDEND69· sector 54
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
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Is China Pacific Insurance Group Co Ltd (601601) overvalued or undervalued?
As of Aug 19, 2026, our model estimates a fair value of ¥57.51 versus a price of ¥33.56, about +71% upside (undervalued).
What is the fair value of 601601?
Our model-based fair value for China Pacific Insurance Group Co Ltd is ¥57.51 (as of Aug 19, 2026), built from audited fundamentals. The current price: ¥33.56.
What is the quality score of 601601?
China Pacific Insurance Group Co Ltd has a Quality Score of 64/100. 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 Pacific Insurance Group Co Ltd (601601)?
Our model-based price target is the fair value of ¥57.51 (as of Aug 19, 2026) from 6 valuation models. Cautious scenario ¥43.14, optimistic scenario ¥71.89. It is a calculation from audited fundamentals, not an analyst target.
What is the China Pacific Insurance Group Co Ltd stock forecast for 2026?
Our models put fair value at ¥57.51, about +71% upside versus a price of ¥33.56 (undervalued). Cautious scenario ¥43.14, optimistic scenario ¥71.89. The calculation is refreshed regularly with new filings.
What is the revenue of China Pacific Insurance Group Co Ltd (601601)?
China Pacific Insurance Group Co Ltd reported trailing-twelve-month revenue of about 334B CNY (latest available figure, as of Aug 19, 2026).
What is the net profit margin of 601601?
The net profit margin of China Pacific Insurance Group Co Ltd is about 16.0%, meaning it keeps roughly 16.0% of revenue as net income. Based on the latest reported figures.
Does China Pacific Insurance Group Co Ltd pay a dividend?
China Pacific Insurance Group Co Ltd currently shows a dividend yield of about 3.43% relative to its recent price (as of Aug 19, 2026).
What is the intrinsic value of China Pacific Insurance Group Co Ltd (601601)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For China Pacific Insurance Group Co Ltd it is ¥57.51 per share (as of Aug 19, 2026), against a price of ¥33.56. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is China Pacific Insurance Group Co Ltd stock overvalued or undervalued in 2026?
As of Aug 19, 2026, 601601 trades below its calculated fair value: price ¥33.56, fair value ¥57.51, a gap of about +71% (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 601601?
No. The price is what the market pays today (¥33.56); the fair value is what the company's own numbers justify (¥57.51). For China Pacific Insurance Group Co Ltd the two are ¥23.95 per share apart. That gap is exactly why we show both numbers side by side.
How much is China Pacific Insurance Group Co Ltd worth?
The market values China Pacific Insurance Group Co Ltd at about 286B CNY (market capitalisation, as of Aug 19, 2026). Per share that is ¥33.56; our models calculate a fair value of ¥57.51 per share.
What do the bullish and bearish scenarios say about 601601?
Our models span a range for China Pacific Insurance Group Co Ltd: cautious scenario ¥43.14, base ¥57.51, optimistic ¥71.89 per share (as of Aug 19, 2026, price ¥33.56). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 601601?
China Pacific Insurance Group Co Ltd trades at a price-to-earnings ratio of 5.7 (as of Aug 19, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ¥57.51 is built from several models across several years. Other multiples: PEG 0.9, P/B 1.0, P/S 0.9, EV/EBITDA 3.2.
What is the PEG ratio of 601601?
The PEG ratio of China Pacific Insurance Group Co Ltd is 0.88 (P/E divided by earnings growth, as of Aug 19, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of China Pacific Insurance Group Co Ltd (601601)?
Balance-sheet figures for China Pacific Insurance Group Co Ltd (as of Aug 19, 2026): return on equity 17.4%, debt of 0.08 per unit of equity. They feed the Quality Score of 64/100, which measures business quality independently of the share price.
How far is 601601 from its 52-week high?
China Pacific Insurance Group Co Ltd trades at ¥33.56, about 31% below its 52-week high of ¥48.39 and 9% above the low of ¥30.77 (as of Aug 19, 2026). Distance from the high says nothing about value: that is what the fair value of ¥57.51 is for.
Which stocks are comparable to China Pacific Insurance Group Co Ltd?
From the same area (Financial Services) we also value China Life Insurance Company, Ping An Insurance (Group) Company, AIA Group, Manulife Financial 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 China Pacific Insurance Group Co Ltd stock attractive at the current price?
The data as of Aug 19, 2026: price ¥33.56, calculated fair value ¥57.51 (+71%), Quality Score 64/100, from 6 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 601601 calculated?
We run China Pacific Insurance Group Co Ltd through 6 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 ¥57.51, with the spread shown as a cautious and an optimistic scenario.
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