PICC Property and Casualty (PPCCY) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of PICC Property and Casualty $62.68, price $54.00, upside +16.1%, quality 63 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch PICC Property and Casualty for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
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 23, 2026.
How to read this chart
60‑month range $15.64 – $66.50 · fair‑value band $47.87 – $95.13 · the $54.00 price screens below the $62.68 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
Follow PICC Property and Casualty in your weekly email
Every Wednesday you see whether PICC Property and Casualty is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
PICC Property and Casualty Company Limited, together with its subsidiaries, engages in property and casualty insurance business in People's Republic of China. It operates through six segments: motor vehicle, accidental injury and health, agriculture, Liability, Commercial Property, and Other.
Show more
PICC Property and Casualty Company Limited, together with its subsidiaries, engages in property and casualty insurance business in People's Republic of China. It operates through six segments: motor vehicle, accidental injury and health, agriculture, Liability, Commercial Property, and Other. The company offers motor vehicle, commercial property, cargo, liability, accidental injury, short-term health, agriculture, credit, surety, household property, marine hull, and other insurance products. It also provides reinsurance, investment and funds application, insurance agency services, training services, IT services, and property management services, etc. The company was founded in 2003 and is based in Beijing, China. PICC Property and Casualty Company Limited operates as a subsidiary of The People's Insurance Company (Group) of China Limited.
Stock analysis
PICC Property and Casualty (PPCCY) currently trades at $54.00, while our model-based Fair Value estimate is $62.68, implying the stock looks roughly 13.8% undervalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of $450.28 per share, and 6 of the 6 models we run sit above the $54.00 price.
Bear case: the Asset-Based group reads lowest at $215.49, and 0 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: $47.87 (bear) to $95.13 (bull), the price of $54.00 sits inside 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 63/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
PICC Property and Casualty reported revenue of 522B CNY in FY2025 versus 418B CNY in FY2021, a compound +5.7%/yr. Reported net income was 39.3B CNY in FY2025, compounding +15.1%/yr from FY2021.
Key figures
Market cap $48.0B · P/E ratio 7.4 · P/S ratio 0.56 · EPS (TTM) $6.71 · Dividend yield 4.2% · Net margin 7.5% · Return on equity 14.7% · Return on assets (EBIT) 39.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (medium confidence).
What moves the price
The share trades about 19% below its 52-week high and 25% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −23% fair-value upside, at 16%, PPCCY screens cheaper than that median.
Fair Value models
Bear $47.87Fair Value $62.68Bull $95.13
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 ($4.41 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.74/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+8.5%
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.
+8.6%
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.
+4.9%
Start year 2020 (pandemic). Over 10 years: +7.0% a year
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.
+10.7%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
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.
+16.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+11.9%
Dividend (yield on the price)4.2%
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.12% vs 8%, picking up
Profit margin 2019 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.6% → 9%
Compare PICC Property and Casualty with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
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 · 119 stocks
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). "PICC Property and Casualty Fair Value". https://www.fairvalue-calculator.com/stock/PPCCY
Frequently asked questions
Is PICC Property and Casualty (PPCCY) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $62.68 versus a price of $54.00, about +16% upside (undervalued).
What is the fair value of PPCCY?
Our model-based fair value for PICC Property and Casualty is $62.68 (as of Sep 23, 2026), built from audited fundamentals. The current price: $54.00.
What is the quality score of PPCCY?
PICC Property and Casualty has a Quality Score of 63/100. 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 PICC Property and Casualty (PPCCY)?
Our model-based price target is the fair value of $62.68 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario $47.87, optimistic scenario $95.13. It is a calculation from audited fundamentals, not an analyst target.
What is the PICC Property and Casualty stock forecast for 2026?
Our models put fair value at $62.68, about +16% upside versus a price of $54.00 (undervalued). Cautious scenario $47.87, optimistic scenario $95.13. The calculation is refreshed regularly with new filings.
What is the revenue of PICC Property and Casualty (PPCCY)?
PICC Property and Casualty reported trailing-twelve-month revenue of about $545B (latest available figure, as of Sep 23, 2026).
Does PICC Property and Casualty pay a dividend?
PICC Property and Casualty currently shows a dividend yield of about 4.18% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of PICC Property and Casualty (PPCCY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For PICC Property and Casualty it is $62.68 per share (as of Sep 23, 2026), against a price of $54.00. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is PICC Property and Casualty stock overvalued or undervalued in 2026?
As of Sep 23, 2026, PPCCY trades below its calculated fair value: price $54.00, fair value $62.68, a gap of about +16% (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 PPCCY?
No. The price is what the market pays today ($54.00); the fair value is what the company's own numbers justify ($62.68). For PICC Property and Casualty the two are $8.68 per share apart. That gap is exactly why we show both numbers side by side.
How much is PICC Property and Casualty worth?
The market values PICC Property and Casualty at about $48.0B (market capitalisation, as of Sep 23, 2026). Per share that is $54.00; our models calculate a fair value of $62.68 per share.
What do the bullish and bearish scenarios say about PPCCY?
Our models span a range for PICC Property and Casualty: cautious scenario $47.87, base $62.68, optimistic $95.13 per share (as of Sep 23, 2026, price $54.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PPCCY?
PICC Property and Casualty trades at a price-to-earnings ratio of 7.4 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $62.68 is built from several models across several years. Other multiples: PEG 1.0.
What is the PEG ratio of PPCCY?
The PEG ratio of PICC Property and Casualty is 1.00 (P/E divided by earnings growth, as of Sep 23, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of PICC Property and Casualty (PPCCY)?
Balance-sheet figures for PICC Property and Casualty (as of Sep 23, 2026): return on equity 14.7%, debt of 0.04 per unit of equity. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is PPCCY from its 52-week high?
PICC Property and Casualty trades at $54.00, about 19% below its 52-week high of $66.50 and 25% above the low of $43.17 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $62.68 is for.
Which stocks are comparable to PICC Property and Casualty?
From the same area (Financial Services) we also value The Progressive Corporation, Chubb Limited, 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 PICC Property and Casualty stock attractive at the current price?
The data as of Sep 23, 2026: price $54.00, calculated fair value $62.68 (+16%), Quality Score 63/100, 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 PPCCY calculated?
We run PICC Property and Casualty 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 $62.68, 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 14.1 % above its aggregate fair value. PICC Property and Casualty currently trades 16 % 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 PICC Property and Casualty (PPCCY)?
The closing price on Sep 23, 2026 was $54.00. Our model-based fair value is $62.68, about +16% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with PICC Property and Casualty right now?
A fairly wide model range ($47.87 to $95.13) 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 PICC Property and Casualty (PPCCY) come from?
Earnings per share at PICC Property and Casualty grew +6.2 % a year from 2014 to 2025. Broken into its drivers: revenue per share +7.0 %, EBIT margin +17.8 %, tax rate +0.9 %, residual (interest, one-offs) −16.5 %. 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 PICC Property and Casualty
How large is the market capitalisation of PICC Property and Casualty (PPCCY)?
The market capitalisation of PICC Property and Casualty is $48.0B. 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 PICC Property and Casualty (PPCCY)?
The price-to-sales ratio of PICC Property and Casualty is 0.56 (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 PICC Property and Casualty (PPCCY)?
Earnings per share at PICC Property and Casualty are $6.71 (price ÷ EPS = P/E 7.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of PICC Property and Casualty (PPCCY)?
The dividend yield of PICC Property and Casualty is 4.2% (payout 33.6%). 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 PICC Property and Casualty (PPCCY)?
The net margin of PICC Property and Casualty is 7.5% (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 PICC Property and Casualty (PPCCY)?
The return on equity (ROE) of PICC Property and Casualty is 14.7% (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 PICC Property and Casualty (PPCCY)?
On an EBIT basis the return on assets of PICC Property and Casualty is 39.2% (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 PICC Property and Casualty (PPCCY)?
The operating margin of PICC Property and Casualty is 8.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at PICC Property and Casualty (PPCCY)?
Revenue at PICC Property and Casualty is growing +4.9% versus a year earlier (3y avg +8.6%). 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 PICC Property and Casualty (PPCCY)?
Earnings per share at PICC Property and Casualty are growing +16.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does PICC Property and Casualty (PPCCY) generate?
The free cash flow of PICC Property and Casualty is $57.2B (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 PICC Property and Casualty (PPCCY) carry?
The net debt of PICC Property and Casualty is $49.7B (fiscal year 2025, ≈ 0.9 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch PICC Property and Casualty in the live analysis
One click puts PICC Property and Casualty on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Some data
Sep 23, 2026