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.
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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 17, 2026.
How to read this chart
60‑month range ¥17.33 – ¥47.89 · fair‑value band ¥38.99 – ¥71.89 · the ¥32.15 price screens below the ¥51.59 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 17, 2026.
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.
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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.
Stock analysis
China Pacific Insurance Group Co Ltd (601601) currently trades at ¥32.15, while our model-based Fair Value estimate is ¥51.59, implying the stock looks roughly 37.7% undervalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of ¥50.46 per share, and 4 of the 6 models we run sit above the ¥32.15 price.
Bear case: the Asset-Based group reads lowest at ¥21.04, and 2 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: ¥38.99 (bear) to ¥71.89 (bull), the price of ¥32.15 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 64/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
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.
Key figures
Market cap 309B CNY (≈ $46.2B) · P/E ratio 5.7 · P/S ratio 0.78 · EPS (TTM) ¥5.48 · Dividend yield 3.6% · Net margin 13.8% · Return on equity 17.0% · Return on assets (EBIT) 1.8%.
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 34% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at 60%, 601601 screens cheaper than that median.
Fair Value models
Bear ¥38.99Fair Value ¥51.59Bull ¥71.89
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 (¥3.14 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.40/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
+23.3%
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.
+12.2%
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.
−1.6%
Revenue growth 21 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%
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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.
+18.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+14.8%
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.15% vs 15%, steady
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.7% → 17%
Compare China Pacific Insurance Group 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 - Life · 95 stocks
Beats the industry median on 13/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score59 · Top 25%
Fair Value upside+68% · Top 25%
Profitability
Return on equity (TTM)17% · Top 25%
Return on assets1% · Above median
Net margin (TTM)16% · Top 25%
Operating margin (TTM)16% · Below median
Growth and dividend
Revenue growth−3% · Bottom 25%
Dividend yield (TTM)3.6% · Above median
Balance sheet
Debt / equity0.08× · Lowest 25%
Valuation Multiplesvs Insurance - Life 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 Pacific Insurance Group Co Ltd Fair Value". https://www.fairvalue-calculator.com/stock/601601
Frequently asked questions
Is China Pacific Insurance Group Co Ltd (601601) overvalued or undervalued?
As of Sep 17, 2026, our model estimates a fair value of ¥51.59 versus a price of ¥32.15, about +60% upside (undervalued).
What is the fair value of 601601?
Our model-based fair value for China Pacific Insurance Group Co Ltd is ¥51.59 (as of Sep 17, 2026), built from audited fundamentals. The current price: ¥32.15.
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 ¥51.59 (as of Sep 17, 2026) from 6 valuation models. Cautious scenario ¥38.99, 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 ¥51.59, about +60% upside versus a price of ¥32.15 (undervalued). Cautious scenario ¥38.99, 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 Sep 17, 2026).
Does China Pacific Insurance Group Co Ltd pay a dividend?
China Pacific Insurance Group Co Ltd currently shows a dividend yield of about 3.58% relative to its recent price (as of Sep 17, 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 ¥51.59 per share (as of Sep 17, 2026), against a price of ¥32.15. 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 Sep 17, 2026, 601601 trades below its calculated fair value: price ¥32.15, fair value ¥51.59, a gap of about +60% (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 (¥32.15); the fair value is what the company's own numbers justify (¥51.59). For China Pacific Insurance Group Co Ltd the two are ¥19.44 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 309B CNY (market capitalisation, as of Sep 17, 2026). Per share that is ¥32.15; our models calculate a fair value of ¥51.59 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 ¥38.99, base ¥51.59, optimistic ¥71.89 per share (as of Sep 17, 2026, price ¥32.15). 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 Sep 17, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ¥51.59 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 Sep 17, 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 Sep 17, 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 ¥32.15, about 34% below its 52-week high of ¥48.39 and 4% above the low of ¥30.77 (as of Sep 17, 2026). Distance from the high says nothing about value: that is what the fair value of ¥51.59 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 Sep 17, 2026: price ¥32.15, calculated fair value ¥51.59 (+60%), 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 ¥51.59, 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 16.1 % above its aggregate fair value. China Pacific Insurance Group Co Ltd currently trades 60 % 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 Pacific Insurance Group Co Ltd (601601)?
The closing price on Sep 22, 2026 was ¥32.15. Our model-based fair value is ¥51.59, about +60% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with China Pacific Insurance Group Co Ltd right now?
The price is below even our cautious bear case (¥38.99). 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. A fairly wide model range (¥38.99 to ¥71.89) leaves room in how you read the outcome. 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 Pacific Insurance Group Co Ltd (601601) come from?
Earnings per share at China Pacific Insurance Group Co Ltd grew +12.6 % a year from 2014 to 2025. Broken into its drivers: revenue per share +2.6 %, EBIT margin +8.6 %, tax rate +1.2 %, residual (interest, one-offs) −0.2 %. 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 Pacific Insurance Group Co Ltd
How large is the market capitalisation of China Pacific Insurance Group Co Ltd (601601)?
The market capitalisation of China Pacific Insurance Group Co Ltd is 309B CNY (≈ $46.2B). 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 Pacific Insurance Group Co Ltd (601601)?
The price-to-sales ratio of China Pacific Insurance Group Co Ltd is 0.78 (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 China Pacific Insurance Group Co Ltd (601601)?
Earnings per share at China Pacific Insurance Group Co Ltd are ¥5.48 (price ÷ EPS = P/E 5.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of China Pacific Insurance Group Co Ltd (601601)?
The dividend yield of China Pacific Insurance Group Co Ltd is 3.6% (payout 21.0%). 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 Pacific Insurance Group Co Ltd (601601)?
The net margin of China Pacific Insurance Group Co Ltd is 13.8% (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 Pacific Insurance Group Co Ltd (601601)?
The return on equity (ROE) of China Pacific Insurance Group Co Ltd is 17.0% (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 China Pacific Insurance Group Co Ltd (601601)?
On an EBIT basis the return on assets of China Pacific Insurance Group Co Ltd is 1.8% (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 Pacific Insurance Group Co Ltd (601601)?
The operating margin of China Pacific Insurance Group Co Ltd is 16.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at China Pacific Insurance Group Co Ltd (601601)?
Revenue at China Pacific Insurance Group Co Ltd is growing −3.3% versus a year earlier (3y avg +12.2%). 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 Pacific Insurance Group Co Ltd (601601)?
Earnings per share at China Pacific Insurance Group Co Ltd are growing −6.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does China Pacific Insurance Group Co Ltd (601601) generate?
The free cash flow of China Pacific Insurance Group Co Ltd is 265B 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 China Pacific Insurance Group Co Ltd (601601) carry?
The net debt of China Pacific Insurance Group Co Ltd is 166B CNY (fiscal year 2025, ≈ 0.6 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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