ZhongAn Online P & C Insurance Co (6060) Fair Value & Analysis
Financial Services · HK · Market cap HK$15.8B
Fair value as of: Jul 2, 2026
From 24 valuation models · updated 28 days ago
Share price +23.1% over the past month.
What matters now
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- 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 (12 months)
12‑month range HK$9.00 – HK$21.90 · fair‑value band HK$7.59 – HK$12.65 · the HK$11.08 price screens above the HK$10.12 fair value. As of Jul 2, 2026.
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ZhongAn Online P & C Insurance Co (6060) currently trades at HK$11.08, while our model-based Fair Value estimate is HK$10.12, implying the stock looks roughly 8.7% fairly valued today. We read business quality at 40/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, ZhongAn Online P & C Insurance Co generated revenue of HK$35.4B at a net margin of 3.1%. Revenue grew 10.1% year over year. It earns a return on equity of 4.8%. Net debt stands at HK$5.2B. Fundamentals as of Jul 2, 2026
Our scenario range runs from HK$7.59 (bear case) to HK$12.65 (bull case); at HK$11.08, the current price sits within that range. The share trades about 50% below its 52-week high and 25% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 70% fair-value upside, at -9%, 6060 screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 2, 2026. TTM = trailing twelve months.
Quality Score breakdown
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.
About the company
ZhongAn Online P & C Insurance Co., Ltd., an Internet-based Insurtech company, provides internet insurance and insurance information technology services in the People's Republic of China. It operates through Insurance, Technology, Banking, and Others segments.
Full company description
ZhongAn Online P & C Insurance Co., Ltd., an Internet-based Insurtech company, provides internet insurance and insurance information technology services in the People's Republic of China. It operates through Insurance, Technology, Banking, and Others segments. The company offers critical illness, health, and outpatient and emergency insurance; e-commerce insurance; travel accident, and flight or hotel cancellation insurance; motor insurance; cargo and shipping return insurance; credit and bond insurance; pet, pet food safety, pet transport protection, pet anesthesia accident, pet critical illness insurance, pet third-party liability, pet death compensation, and employee accident insurance for the pet industry; liability insurance; and drone and household property insurance solutions. It also offers IT related business, international IT consulting; banking services; and online life insurance services, insurance brokerage, and medical services. In addition, the company offers technology development and consulting, asset management, IT consulting, Internet hospital, pharmacy, technology training, and Fintech services. ZhongAn Online P & C Insurance Co., Ltd. was incorporated in 2013 and is headquartered in Shanghai, China.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
ZhongAn Online P & C Insurance Co reported revenue of HK$34.8B in FY2025 versus HK$21.9B in FY2021, a compound +12.2%/yr. Reported net income was HK$1.1B in FY2025, compounding +9.8%/yr from FY2021.
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Snowflake
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.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate (as of Jul 2, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Chubb Limited C1BL34 | R$419.60 | R$421.12 | +0% |
| The Progressive Corporation PGR | $204.02 | $316.22 | +55% |
| Tokio Marine Holdings TKOMF | $42.16 | $41.60 | -1% |
| The Travelers Companies, Inc TRV | $303.25 | $342.77 | +13% |
| The Allstate Corporation ALL | $222.56 | $445.12 | +100% |
| The People's Insurance Company 601319 | ¥6.78 | ¥13.56 | +100% |
| PICC Property and Casualty Company PPCCY | $49.08 | $83.45 | +70% |
| MS&AD Insurance Group MSADF | $29.91 | $57.59 | +93% |
| Intact Financial Corporation IFC | C$282.25 | C$213.20 | -24% |
| Sompo Holdings SMPNY | $19.53 | $36.39 | +86% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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