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Ping An Insurance (Group) Company (PIAIF) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Ping An Insurance (Group) Company $13.64, price $6.82, upside +100.0%, quality 64 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Financial Services · US · Home China · ISIN CNE1000003X6

PA Ping An Insurance (Group) Company logo Some data Sep 28, 2026

Ping An Insurance (Group) Company

PIAIF · US

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value $13.64 · Strongly undervalued (+100.0%)
✓Quality 64/100
!Weak Growth (revenue 5y −3.3 %/yr)
✓Solidly profitable · 13.9% net margin (TTM)
✓Moderate debt · generates free cash flow
!Moderate moat 62/100
!Evidence only medium, so the estimate is less certain
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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

$9.38 $3.13 Fair Value $13.64 Sep 2019 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 28, 2026.

How to read this chart

60‑month range $3.13 – $9.38 · fair‑value band $10.88 – $20.89 · the $6.82 price screens below the $13.64 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 28, 2026.

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Company profile

Ping An Insurance (Group) Company of China, Ltd. provides financial products and services in the People's Republic of China. It operates through Life and Health Insurance; Property and Casualty Insurance; Banking; Asset Management; and Finance Enablement segments.

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Ping An Insurance (Group) Company of China, Ltd. provides financial products and services in the People's Republic of China. It operates through Life and Health Insurance; Property and Casualty Insurance; Banking; Asset Management; and Finance Enablement segments. The company offers life insurance products, including term, whole-life, endowment, annuity, investment-linked, universal life, and health care and medical insurance; property and casualty insurance, such as auto insurance, non-auto insurance, accident, and health insurance. It also undertakes loan and intermediary business with corporate customers and retail customers. In addition, the company provides wealth management and credit card services to individual customers; trust services, brokerage services, trading services, investment banking services, investment management services, finance lease business, and other asset management services; and financial and daily-life services through internet platforms comprising financial transaction information service platform, and health care service platform. Further, it is involved in the real estate investment and management; expressway operation; production and sale of consumer chemicals; logistics and real estate activities; consulting services; warehousing; IT services; infant products; and hospital management. Ping An Insurance (Group) Company of China, Ltd. was incorporated in 1988 and is based in Shenzhen, China.

Stock analysis

Ping An Insurance (Group) Company (PIAIF) currently trades at $6.82, while our model-based Fair Value estimate is $13.64, implying the stock looks roughly 50.0% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $28.09 per share, and 6 of the 6 models we run sit above the $6.82 price.

Bear case: the Asset-Based group reads lowest at $13.44, and 0 of the 6 models stay below the price. Evidence for this calculation is medium.

Scenario range: $10.88 (bear) to $20.89 (bull), the price of $6.82 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 inconsistent: the periods point in different directions, so there is no trend to rely on.

Ping An Insurance (Group) Company reported revenue of 928B CNY in FY2025 versus 1.1T CNY in FY2021, a compound −3.2%/yr. Reported net income was 131B CNY in FY2025, compounding +6.6%/yr from FY2021.

Key figures

Market cap $120B · P/E ratio 6.2 · P/S ratio 0.87 · EPS (TTM) $1.07 · Net margin 14.2% · Return on equity 11.3% · Return on assets (EBIT) 1.3% · Operating margin 49.0%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 49 out of 100 (medium confidence).

What moves the price

The share trades about 27% below its 52-week high and 11% 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 100%, PIAIF screens cheaper than that median.

Fair Value models

Bear $10.88 Fair Value $13.64 Bull $20.89
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. 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 $19.15 $23.45 $33.55 73
Gordon GGM $10.05 $20.90 $33.15 64
DDM Multi-Stage $10.05 $17.62 $21.93 64
All 6 models by family
Dividend Discount
Gordon GGM $10.05 $20.90 $33.15 64
DDM Multi-Stage $10.05 $17.62 $21.93 64
Multiples
P/E Multiple $25.66 $34.21 $42.77 63
P/B Multiple $21.07 $28.09 $35.11 55
Asset-Based
NCAV (Graham) $10.03 $13.44 $20.06 54
Economic Profit
Residual Income $19.15 $23.45 $33.55 73

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Quality Score breakdown

Overall quality 64/100

Of which business quality 57 · Market factors (momentum, volatility) 50

Profitability 30
Margins and returns on capital today
Quality Growth 46
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 7
Balance sheet, leverage, solvency risk
Investment 79
Disciplined investing over empire-building
Low Volatility 45
Calm price path (market factor)
Momentum 53
Price trend over the last 3–12 months (market factor)
52W Momentum 51
Distance to the 52-week high (market factor)
Net Issuance 100
Share count: buybacks or dilution?

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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
+1.2%
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.
+6.7%
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.
−3.3%
Start year 2020 (pandemic). Over 10 years: +4.1% a year
Revenue growth 22 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.
+25.4%
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.
+6.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+6.9%
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.47.7% vs 34.2%, 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.17% → 20%
2025 sits 801% 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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Earlier news

News mood ⓘNews mood, the average tone of recent news (82 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Positive
Recent news coverage is more positive than average.

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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 10/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 62 · Top 25%
Fair Value upside +58.1% · Top 25%
Profitability
Return on equity (TTM) 11.3% · Below median
Return on assets 1.0% · Below median
Net margin (TTM) 13.9% · Above median
Operating margin (TTM) 49.0% · Top 25%
Growth and dividend
Revenue growth −3.3% · Bottom 25%
Dividend yield (TTM) 35.4% · Top 25%
Balance sheet
Debt / equity 1.34× · Highest 25%

Valuation Multiplesvs Insurance - Life median · lower = cheaper

P/E (TTM) 6.2× · Cheapest 25%
P/B 0.80× · Cheaper than median
P/S (TTM) 0.84× · Cheaper than median
P/FCF 0.2× · Cheapest 25%
EV/EBITDA 8.3× · Pricier than median
PEG 0.29× · Cheapest 25%

Context: sector, industry, 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
China Life Insurance Company 601628 ¥37.43 ¥49.98 +34%
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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Ping An Insurance (Group) Company · Fair Value
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Cite: Fair Value Calculator (2026). "Ping An Insurance (Group) Company Fair Value". https://www.fairvalue-calculator.com/stock/PIAIF

Frequently asked questions

Is Ping An Insurance (Group) Company (PIAIF) overvalued or undervalued?
As of Sep 28, 2026, our model estimates a fair value of $13.64 versus a price of $6.82, about +100% upside (undervalued).
What is the fair value of PIAIF?
Our model-based fair value for Ping An Insurance (Group) Company is $13.64 (as of Sep 28, 2026), built from audited fundamentals. The current price: $6.82.
What is the quality score of PIAIF?
Ping An Insurance (Group) Company 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 Ping An Insurance (Group) Company (PIAIF)?
Our model-based price target is the fair value of $13.64 (as of Sep 28, 2026) from 6 valuation models. Cautious scenario $10.88, optimistic scenario $20.89. It is a calculation from audited fundamentals, not an analyst target.
What is the Ping An Insurance (Group) Company stock forecast for 2026?
Our models put fair value at $13.64, about +100% upside versus a price of $6.82 (undervalued). Cautious scenario $10.88, optimistic scenario $20.89. The calculation is refreshed regularly with new filings.
What is the revenue of Ping An Insurance (Group) Company (PIAIF)?
Ping An Insurance (Group) Company reported trailing-twelve-month revenue of about 953B CNY (latest available figure, as of Sep 28, 2026).
What is the intrinsic value of Ping An Insurance (Group) Company (PIAIF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Ping An Insurance (Group) Company it is $13.64 per share (as of Sep 28, 2026), against a price of $6.82. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Ping An Insurance (Group) Company stock overvalued or undervalued in 2026?
As of Sep 28, 2026, PIAIF trades below its calculated fair value: price $6.82, fair value $13.64, a gap of about +100% (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 PIAIF?
No. The price is what the market pays today ($6.82); the fair value is what the company's own numbers justify ($13.64). For Ping An Insurance (Group) Company the two are $6.82 per share apart. That gap is exactly why we show both numbers side by side.
How much is Ping An Insurance (Group) Company worth?
The market values Ping An Insurance (Group) Company at about $120B (market capitalisation, as of Sep 28, 2026). Per share that is $6.82; our models calculate a fair value of $13.64 per share.
What do the bullish and bearish scenarios say about PIAIF?
Our models span a range for Ping An Insurance (Group) Company: cautious scenario $10.88, base $13.64, optimistic $20.89 per share (as of Sep 28, 2026, price $6.82). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PIAIF?
Ping An Insurance (Group) Company trades at a price-to-earnings ratio of 6.2 (as of Sep 28, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $13.64 is built from several models across several years. Other multiples: PEG 0.3, P/B 0.8, P/S 0.8, EV/EBITDA 8.3.
What is the PEG ratio of PIAIF?
The PEG ratio of Ping An Insurance (Group) Company is 0.29 (P/E divided by earnings growth, as of Sep 28, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Ping An Insurance (Group) Company (PIAIF)?
Balance-sheet figures for Ping An Insurance (Group) Company (as of Sep 28, 2026): return on equity 11.3%, debt of 1.34 per unit of equity. They feed the Quality Score of 64/100, which measures business quality independently of the share price.
How far is PIAIF from its 52-week high?
Ping An Insurance (Group) Company trades at $6.82, about 27% below its 52-week high of $9.38 and 11% above the low of $6.14 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $13.64 is for.
Which stocks are comparable to Ping An Insurance (Group) Company?
From the same area (Financial Services) we also value China Life Insurance 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 Ping An Insurance (Group) Company stock attractive at the current price?
The data as of Sep 28, 2026: price $6.82, calculated fair value $13.64 (+100%), 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 PIAIF calculated?
We run Ping An Insurance (Group) 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 $13.64, 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. Ping An Insurance (Group) Company currently trades 50 % 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 Ping An Insurance (Group) Company (PIAIF)?
The closing price on Oct 2, 2026 was $6.82. Our model-based fair value is $13.64, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Ping An Insurance (Group) Company right now?
The price is below even our cautious bear case ($10.88). 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 ($10.88 to $20.89) 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 Ping An Insurance (Group) Company (PIAIF) come from?
Earnings per share at Ping An Insurance (Group) Company grew +13.1 % a year from 2014 to 2025. Broken into its drivers: revenue per share +8.1 %, EBIT margin +2.8 %, tax rate +2.1 %, residual (interest, one-offs) −0.3 %. 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 Ping An Insurance (Group) Company

How large is the market capitalisation of Ping An Insurance (Group) Company (PIAIF)?
The market capitalisation of Ping An Insurance (Group) Company is $120B. 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 Ping An Insurance (Group) Company (PIAIF)?
The price-to-sales ratio of Ping An Insurance (Group) Company is 0.87 (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 Ping An Insurance (Group) Company (PIAIF)?
Earnings per share at Ping An Insurance (Group) Company are $1.07 (price ÷ EPS = P/E 6.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Ping An Insurance (Group) Company (PIAIF)?
The net margin of Ping An Insurance (Group) Company is 14.2% (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 Ping An Insurance (Group) Company (PIAIF)?
The return on equity (ROE) of Ping An Insurance (Group) Company is 11.3% (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 Ping An Insurance (Group) Company (PIAIF)?
On an EBIT basis the return on assets of Ping An Insurance (Group) Company is 1.3% (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 Ping An Insurance (Group) Company (PIAIF)?
The operating margin of Ping An Insurance (Group) Company is 49.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Ping An Insurance (Group) Company (PIAIF)?
Revenue at Ping An Insurance (Group) Company is growing −3.3% versus a year earlier (3y avg +6.7%). 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 Ping An Insurance (Group) Company (PIAIF)?
Earnings per share at Ping An Insurance (Group) Company are growing −13.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Ping An Insurance (Group) Company (PIAIF) generate?
The free cash flow of Ping An Insurance (Group) Company is 656B 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 Ping An Insurance (Group) Company (PIAIF) carry?
The net debt of Ping An Insurance (Group) Company is 2.3T CNY (fiscal year 2025, ≈ 3.6 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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