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The People's Insurance Company (PINXF) fair value: what the stock is really worth

As of Sep 28, 2026: fair value of The People's Insurance Company $1.37, price $0.72, upside +90.3%, 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 · ISIN CNE100001MK7

TP The People's Insurance Company logo Thin data Sep 29, 2026

The People's Insurance Company

PINXF · US

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

✓Fair value $1.37 · Strongly undervalued (+90.3%)
✓Quality 64/100
✓Healthy Growth (revenue 5y +2.2 %/yr)
!Thin margins · 6.8% net margin (TTM)
✓Low debt · generates free cash flow
!Moderate moat 46/100
!Evidence only low, 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

$0.9691 $0.1126 Fair Value $1.37 May 2021 Sep 2026

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 $0.1126 – $0.9691 · fair‑value band $1.07 – $2.09 · the $0.7200 price screens below the $1.37 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 29, 2026.

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Company profile

The People's Insurance Company (Group) of China Limited, an investment holding company, offers insurance products and services in the People's Republic of China and Hong Kong. It operates through Property Insurance, Life Insurance, Health Insurance, Asset Management, and Headquarters and Other segments.

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The People's Insurance Company (Group) of China Limited, an investment holding company, offers insurance products and services in the People's Republic of China and Hong Kong. It operates through Property Insurance, Life Insurance, Health Insurance, Asset Management, and Headquarters and Other segments. The company provides motor vehicle, agricultural, accidental injury and health, liability, corporate property, and other insurances; life insurance products, including general, participating, and universal life; health, and accident insurance products; and health insurance products, such as medical, participating endowment, sickness, nursing, accidental injury, and disability income loss insurance products. It is also involved in asset management and other business; reinsurance business; internet banking; and provision of research and development, operations and maintenance, and technology services. The company was founded in 1949 and is based in Beijing, the People's Republic of China.

Stock analysis

The People's Insurance Company (PINXF) currently trades at $0.7200, while our model-based Fair Value estimate is $1.37, implying the stock looks roughly 47.4% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $1.46 per share, and 4 of the 6 models we run sit above the $0.7200 price.

Bear case: the Dividend Discount group reads lowest at $0.6700, and 2 of the 6 models stay below the price. Evidence for this calculation is low.

Scenario range: $1.07 (bear) to $2.09 (bull), the price of $0.7200 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.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

The People's Insurance Company reported revenue of 647B CNY in FY2025 versus 592B CNY in FY2021, a compound +2.3%/yr. Reported net income was 45.0B CNY in FY2025, compounding +20.3%/yr from FY2021.

Key figures

Market cap $29.2B · P/E ratio 4.4 · P/S ratio 0.31 · EPS (TTM) $0.1500 · Net margin 7.0% · Return on equity 14.0% · Return on assets (EBIT) 3.0% · Operating margin 10.4%.

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 26% below its 52-week high and 14% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −23% fair-value upside, at 90%, PINXF screens cheaper than that median.

Fair Value models

Bear $1.07 Fair Value $1.37 Bull $2.09
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 $1.03 $1.30 $1.92 75
Gordon GGM $0.4000 $0.8400 $1.32 66
DDM Multi-Stage $0.4000 $0.6700 $0.8800 66
All 6 models by family
Dividend Discount
Gordon GGM $0.4000 $0.8400 $1.32 66
DDM Multi-Stage $0.4000 $0.6700 $0.8800 66
Multiples
P/E Multiple $1.48 $1.98 $2.47 63
P/B Multiple $1.10 $1.46 $1.83 55
Asset-Based
NCAV (Graham) $0.5200 $0.7000 $1.04 54
Economic Profit
Residual Income $1.03 $1.30 $1.92 75

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Quality Score breakdown

Overall quality 64/100

Of which business quality 57 · Market factors (momentum, volatility) 40

Profitability 40
Margins and returns on capital today
Quality Growth 47
Are margins and returns improving?
Cashflow 92
Earnings quality: real cash, not paper profit
Fin. Strength 12
Balance sheet, leverage, solvency risk
Investment 63
Disciplined investing over empire-building
Low Volatility 73
Calm price path (market factor)
Momentum 26
Price trend over the last 3–12 months (market factor)
52W Momentum 28
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. 67/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+8.1%
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.
+10.9%
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.
+2.2%
Start year 2020 (pandemic). Over 10 years: +4.8% a year
Revenue growth 14 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.
+7.6%
Profit margin (trend) ⓘ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.
5.5% (2020) → 11.1% (2025)

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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 - Property & Casualty · 116 stocks

Beats the industry median on 10/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 59 · Above median
Fair Value upside +13.2% · Above median
Profitability
Return on equity (TTM) 14.0% · Below median
Return on assets 2.3% · Below median
Net margin (TTM) 6.8% · Below median
Operating margin (TTM) 10.4% · Below median
Growth and dividend
Revenue growth −4.4% · Bottom 25%
Dividend yield (TTM) 33.9% · Top 25%
Balance sheet
Debt / equity 0.14× · Below median

Valuation Multiplesvs Insurance - Property & Casualty median · lower = cheaper

P/E (TTM) 4.4× · Cheapest 25%
P/B 0.63× · Cheapest 25%
P/S (TTM) 0.32× · Cheapest 25%
P/FCF 0.2× · Cheapest 25%
EV/EBITDA 2.2× · Cheapest 25%
PEG 0.40× · 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 - Property & Casualty stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Chubb Limited CB $331.37 $235.99 −29%
The Progressive Corporation PGR $209.47 $160.75 −23%
The Travelers Companies, Inc TRV $356.51 $279.78 −22%
The Allstate Corporation ALL $224.41 $290.52 +29%
Fairfax Financial Holdings FFH C$2,219 C$3,257 +47%
Intact Financial Corporation IFC C$250.54 C$167.88 −33%
Cincinnati Financial Corporation CINF $161.92 $143.72 −11%
W. R. Berkley Corporation WRB $67.66 $47.22 −30%
QBE Insurance Group QBE A$23.81 A$13.42 −44%
Unipol Assicurazioni S.p.A UNI €25.79 €16.11 −38%

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The People's Insurance Company · Fair Value
$1.37 +47%Fair Value
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Cite: Fair Value Calculator (2026). "The People's Insurance Company Fair Value". https://www.fairvalue-calculator.com/stock/PINXF

Frequently asked questions

Is The People's Insurance Company (PINXF) overvalued or undervalued?
As of Sep 29, 2026, our model estimates a fair value of $1.37 versus a price of $0.7200, about +90% upside (undervalued).
What is the fair value of PINXF?
Our model-based fair value for The People's Insurance Company is $1.37 (as of Sep 29, 2026), built from audited fundamentals. The current price: $0.7200.
What is the quality score of PINXF?
The People's Insurance 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 The People's Insurance Company (PINXF)?
Our model-based price target is the fair value of $1.37 (as of Sep 29, 2026) from 6 valuation models. Cautious scenario $1.07, optimistic scenario $2.09. It is a calculation from audited fundamentals, not an analyst target.
What is the The People's Insurance Company stock forecast for 2026?
Our models put fair value at $1.37, about +90% upside versus a price of $0.7200 (undervalued). Cautious scenario $1.07, optimistic scenario $2.09. The calculation is refreshed regularly with new filings.
What is the revenue of The People's Insurance Company (PINXF)?
The People's Insurance Company reported trailing-twelve-month revenue of about 617B CNY (latest available figure, as of Sep 29, 2026).
What is the intrinsic value of The People's Insurance Company (PINXF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For The People's Insurance Company it is $1.37 per share (as of Sep 29, 2026), against a price of $0.7200. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is The People's Insurance Company stock overvalued or undervalued in 2026?
As of Sep 29, 2026, PINXF trades below its calculated fair value: price $0.7200, fair value $1.37, a gap of about +90% (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 PINXF?
No. The price is what the market pays today ($0.7200); the fair value is what the company's own numbers justify ($1.37). For The People's Insurance Company the two are $0.6500 per share apart. That gap is exactly why we show both numbers side by side.
How much is The People's Insurance Company worth?
The market values The People's Insurance Company at about $29.2B (market capitalisation, as of Sep 29, 2026). Per share that is $0.7200; our models calculate a fair value of $1.37 per share.
What do the bullish and bearish scenarios say about PINXF?
Our models span a range for The People's Insurance Company: cautious scenario $1.07, base $1.37, optimistic $2.09 per share (as of Sep 29, 2026, price $0.7200). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PINXF?
The People's Insurance Company trades at a price-to-earnings ratio of 4.4 (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 $1.37 is built from several models across several years. Other multiples: PEG 0.4, P/B 0.6, P/S 0.3, EV/EBITDA 2.2.
What is the PEG ratio of PINXF?
The PEG ratio of The People's Insurance Company is 0.40 (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 The People's Insurance Company (PINXF)?
Balance-sheet figures for The People's Insurance Company (as of Sep 29, 2026): return on equity 14.0%, debt of 0.14 per unit of equity. They feed the Quality Score of 64/100, which measures business quality independently of the share price.
How far is PINXF from its 52-week high?
The People's Insurance Company trades at $0.7200, about 26% below its 52-week high of $0.9691 and 14% above the low of $0.6300 (as of Sep 28, 2026). Distance from the high says nothing about value: that is what the fair value of $1.37 is for.
Which stocks are comparable to The People's Insurance Company?
From the same area (Financial Services) we also value Chubb Limited, The Progressive Corporation, The Travelers Companies, Inc, The Allstate 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 The People's Insurance Company stock attractive at the current price?
The data as of Sep 29, 2026: price $0.7200, calculated fair value $1.37 (+90%), 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 PINXF calculated?
We run The People's 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 $1.37, 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. The People's Insurance Company currently trades 47 % 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 The People's Insurance Company (PINXF)?
The closing price on Sep 28, 2026 was $0.7200. Our model-based fair value is $1.37, about +90% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with The People's Insurance Company right now?
The price is below even our cautious bear case ($1.07). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. 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 ($1.07 to $2.09) leaves room in how you read the outcome.
Where does the earnings growth of The People's Insurance Company (PINXF) come from?
Earnings per share at The People's Insurance Company grew +14.1 % a year from 2014 to 2025. Broken into its drivers: revenue per share +8.5 %, EBIT margin +4.0 %, tax rate +0.8 %, 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 The People's Insurance Company

How large is the market capitalisation of The People's Insurance Company (PINXF)?
The market capitalisation of The People's Insurance Company is $29.2B. 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 The People's Insurance Company (PINXF)?
The price-to-sales ratio of The People's Insurance Company is 0.31 (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 The People's Insurance Company (PINXF)?
Earnings per share at The People's Insurance Company are $0.1500 (price ÷ EPS = P/E 4.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of The People's Insurance Company (PINXF)?
The net margin of The People's Insurance Company is 7.0% (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 The People's Insurance Company (PINXF)?
The return on equity (ROE) of The People's Insurance Company is 14.0% (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 The People's Insurance Company (PINXF)?
On an EBIT basis the return on assets of The People's Insurance Company is 3.0% (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 The People's Insurance Company (PINXF)?
The operating margin of The People's Insurance Company is 10.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at The People's Insurance Company (PINXF)?
Revenue at The People's Insurance Company is growing −4.4% versus a year earlier (3y avg +10.9%). 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 The People's Insurance Company (PINXF)?
Earnings per share at The People's Insurance Company are growing −34.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does The People's Insurance Company (PINXF) generate?
The free cash flow of The People's Insurance Company is 139B 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 The People's Insurance Company (PINXF) carry?
The net debt of The People's Insurance Company is 151B CNY (fiscal year 2025, ≈ 1.1 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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