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China Life Insurance Company (CILJF) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of China Life Insurance Company $7.32, price $3.60, upside +103.3%, quality 66 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? Yes
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Broad data
Sep 29, 2026
Broad data
Sep 29, 2026
China Life Insurance Company
CILJF · USClearly undervaluedStrong Fair Value upside, but quality is only moderate.
✓Fair value $7.32 · Strongly undervalued (+103.3%)
✓Quality 66/100
!Weak Growth (revenue 5y −5.8 %/yr)
✓Highly profitable · 42.3% net margin (TTM)
✓Low debt · generates free cash flow
✓23.8% dividend yield · Well covered
✓Wide moat 77/100
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What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 29, 2026.
How to read this chart
60‑month range $0.9253 – $4.56 · fair‑value band $5.26 – $9.15 · the $3.60 price screens below the $7.32 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 29, 2026.
Company profile
China Life Insurance Company Limited, together with its subsidiaries, operates as a life insurance company in the People's Republic of China. The company operates through Life Insurance Business, Health Insurance Business, Accident Insurance Business, and Other Businesses segments.
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China Life Insurance Company Limited, together with its subsidiaries, operates as a life insurance company in the People's Republic of China. The company operates through Life Insurance Business, Health Insurance Business, Accident Insurance Business, and Other Businesses segments. It offers life, annuity, health, and accident insurance products to individuals and groups. The company was founded in 1949 and is based in Beijing, the People's Republic of China. China Life Insurance Company Limited operates as a subsidiary of China Life Insurance (Group) Company.
Stock analysis
China Life Insurance Company (CILJF) currently trades at $3.60, while our model-based Fair Value estimate is $7.32, implying the stock looks roughly 50.8% undervalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $8.12 per share, and 3 of the 6 models we run sit above the $3.60 price.
Bear case: the Asset-Based group reads lowest at $2.11, and 3 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $5.26 (bear) to $9.15 (bull), the price of $3.60 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 66/100 (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 Life Insurance Company reported revenue of 605B CNY in FY2025 versus 848B CNY in FY2021, a compound −8.1%/yr. Reported net income was 154B CNY in FY2025, compounding +32.0%/yr from FY2021.
Key figures
Market cap $102B · P/E ratio 4.8 · P/S ratio 1.23 · EPS (TTM) $0.7600 · Net margin 25.5% · Return on equity 25.5% · Return on assets (EBIT) 1.1% · Operating margin 38.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 21% below its 52-week high and 29% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at 103%, CILJF screens cheaper than that median.
Fair Value models
Bear $5.26
Fair Value $7.32
Bull $9.15
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.
Highest evidence
Residual Income
$5.33
$8.12
$18.72
69
DDM Multi-Stage
$1.29
$2.26
$2.81
67
Gordon GGM
$1.29
$2.68
$4.25
66
All 6 models by family
Dividend Discount
Gordon GGM
$1.29
$2.68
$4.25
66
DDM Multi-Stage
$1.29
$2.26
$2.81
67
Multiples
P/E Multiple
$7.93
$10.58
$13.22
63
P/B Multiple
$3.30
$4.40
$5.50
55
Asset-Based
NCAV (Graham)
$1.57
$2.11
$3.14
54
Economic Profit
Residual Income
$5.33
$8.12
$18.72
69
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Set up alert →Quality Score breakdown
Overall quality
66/100
Of which business quality 58 · Market factors (momentum, volatility) 53
Profitability
47
Margins and returns on capital today
Quality Growth
67
Are margins and returns improving?
Cashflow
100
Earnings quality: real cash, not paper profit
Fin. Strength
6
Balance sheet, leverage, solvency risk
Investment
60
Disciplined investing over empire-building
Low Volatility
47
Calm price path (market factor)
Momentum
56
Price trend over the last 3–12 months (market factor)
52W Momentum
55
Distance to the 52-week high (market factor)
Net Issuance
82
Share count: buybacks or dilution?
Revenue & earnings trend
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
+18.1%
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.
−9.7%
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.
−5.8%
Start year 2020 (pandemic). Over 10 years: +1.8% a year
Revenue growth 24 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.
+10.0%
’14
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’18
’19
’20
’21
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’23
’24
’25
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.
+25.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+25.1%
Dividend (yield on the price)0.0%
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.24.9% vs 16.9%, 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.7% → 30%
2025 sits 380% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Start year 2020 (pandemic)
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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 · 88 stocks
Beats the industry median on 13/15 measures
Overall it ranks above its industry peers.
Valuation Multiplesvs Insurance - Life median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
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
Similar stocks
10 more Insurance - Life stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Ping An Insurance (Group) Company 601318 | ¥53.29 | ¥67.19 | +26% |
| AIA Group 1299 | HK$73.75 | HK$41.69 | −43% |
| Manulife Financial Corporation MFC | $42.59 | $27.37 | −36% |
| MetLife, Inc MET | $94.35 | $54.39 | −42% |
| Great-West Lifeco Inc GWO | C$93.34 | C$42.07 | −55% |
| Aflac Incorporated AFL | $111.18 | $67.02 | −40% |
| Life Insurance Corporation LICI | ₹409.05 | ₹299.19 | −27% |
| Cathay Financial Holding 2882 | 110.50 TWD | 71.47 TWD | −35% |
| China Pacific Insurance (Group) Co 601601 | ¥30.88 | ¥48.28 | +56% |
| Power Corporation POW | C$94.28 | C$32.85 | −65% |
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Frequently asked questions
Is China Life Insurance Company (CILJF) overvalued or undervalued?
As of Sep 29, 2026, our model estimates a fair value of $7.32 versus a price of $3.60, about +103% upside (undervalued).
What is the fair value of CILJF?
Our model-based fair value for China Life Insurance Company is $7.32 (as of Sep 29, 2026), built from audited fundamentals. The current price: $3.60.
What is the quality score of CILJF?
China Life Insurance Company has a Quality Score of 66/100. 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 Life Insurance Company (CILJF)?
Our model-based price target is the fair value of $7.32 (as of Sep 29, 2026) from 6 valuation models. Cautious scenario $5.26, optimistic scenario $9.15. It is a calculation from audited fundamentals, not an analyst target.
What is the China Life Insurance Company stock forecast for 2026?
Our models put fair value at $7.32, about +103% upside versus a price of $3.60 (undervalued). Cautious scenario $5.26, optimistic scenario $9.15. The calculation is refreshed regularly with new filings.
What is the revenue of China Life Insurance Company (CILJF)?
China Life Insurance Company reported trailing-twelve-month revenue of about 342B CNY (latest available figure, as of Sep 29, 2026).
What is the intrinsic value of China Life Insurance Company (CILJF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For China Life Insurance Company it is $7.32 per share (as of Sep 29, 2026), against a price of $3.60. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is China Life Insurance Company stock overvalued or undervalued in 2026?
As of Sep 29, 2026, CILJF trades below its calculated fair value: price $3.60, fair value $7.32, a gap of about +103% (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 CILJF?
No. The price is what the market pays today ($3.60); the fair value is what the company's own numbers justify ($7.32). For China Life Insurance Company the two are $3.72 per share apart. That gap is exactly why we show both numbers side by side.
How much is China Life Insurance Company worth?
The market values China Life Insurance Company at about $102B (market capitalisation, as of Sep 29, 2026). Per share that is $3.60; our models calculate a fair value of $7.32 per share.
What do the bullish and bearish scenarios say about CILJF?
Our models span a range for China Life Insurance Company: cautious scenario $5.26, base $7.32, optimistic $9.15 per share (as of Sep 29, 2026, price $3.60). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CILJF?
China Life Insurance Company trades at a price-to-earnings ratio of 4.8 (as of Sep 29, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $7.32 is built from several models across several years. Other multiples: PEG 0.4, P/B 1.2, P/S 2.0, EV/EBITDA 3.3.
What is the PEG ratio of CILJF?
The PEG ratio of China Life Insurance Company is 0.35 (P/E divided by earnings growth, as of Sep 29, 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 Life Insurance Company (CILJF)?
Balance-sheet figures for China Life Insurance Company (as of Sep 29, 2026): return on equity 25.5%, debt of 0.06 per unit of equity. They feed the Quality Score of 66/100, which measures business quality independently of the share price.
How far is CILJF from its 52-week high?
China Life Insurance Company trades at $3.60, about 21% below its 52-week high of $4.56 and 29% above the low of $2.80 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $7.32 is for.
Which stocks are comparable to China Life Insurance Company?
From the same area (Financial Services) we also value Ping An Insurance (Group) Company, AIA Group, Manulife Financial Corporation, MetLife, Inc, 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 Life Insurance Company stock attractive at the current price?
The data as of Sep 29, 2026: price $3.60, calculated fair value $7.32 (+103%), Quality Score 66/100, 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 CILJF calculated?
We run China Life Insurance Company 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 $7.32, 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 14.5 % above its aggregate fair value. China Life Insurance Company currently trades 51 % 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 Life Insurance Company (CILJF)?
The closing price on Oct 2, 2026 was $3.60. Our model-based fair value is $7.32, about +103% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with China Life Insurance Company right now?
The price is below even our cautious bear case ($5.26). The market is more pessimistic than our downside scenario. Solid quality (66/100) 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 Life Insurance Company (CILJF) come from?
Earnings per share at China Life Insurance Company grew +17.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +1.3 %, EBIT margin +14.4 %, tax rate +1.3 %, residual (interest, one-offs) +0.0 %. 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 Life Insurance Company
How large is the market capitalisation of China Life Insurance Company (CILJF)?
The market capitalisation of China Life Insurance Company is $102B. 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 Life Insurance Company (CILJF)?
The price-to-sales ratio of China Life Insurance Company is 1.23 (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 Life Insurance Company (CILJF)?
Earnings per share at China Life Insurance Company are $0.7600 (price ÷ EPS = P/E 4.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of China Life Insurance Company (CILJF)?
The net margin of China Life Insurance Company is 25.5% (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 Life Insurance Company (CILJF)?
The return on equity (ROE) of China Life Insurance Company is 25.5% (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 Life Insurance Company (CILJF)?
On an EBIT basis the return on assets of China Life Insurance Company is 1.1% (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 Life Insurance Company (CILJF)?
The operating margin of China Life Insurance Company is 38.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at China Life Insurance Company (CILJF)?
Revenue at China Life Insurance Company is growing −15.2% versus a year earlier (3y avg −9.7%). 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 Life Insurance Company (CILJF)?
Earnings per share at China Life Insurance Company are growing −32.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does China Life Insurance Company (CILJF) generate?
The free cash flow of China Life Insurance Company is 457B 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 Life Insurance Company (CILJF) hold?
China Life Insurance Company holds more cash than debt, 107B CNY net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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