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The People's Insurance Company (Group) of China Limited (1339) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

The People's Insurance Company (Group) of China Limited

1339Market cap $48BPrice $0.7

Country🇨🇳China

SectorFinancials

IndustryInsurance

Operates China's largest insurance network, covering property, life, and health risks for over 100 million customers. Controls nearly 40% of the country's property insurance market through 10,000 service locations.

In Bastion Portfolios?

52W Return-25%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+8%6

Revenue Forecast

Rev CAGR (1y)+0%3

Rev CAGR (3y)+2%2

Rev CAGR (5y)+2%2

Earnings Forecast

EPS Growth Y+1-22%2

EPS Growth Y+2-7%3

EPS Growth Y+3-0%3

Quality

Margins

EBIT Margin15%6

Net Income Margin9%5

Free Cash Flow Margin16%7

Debt

Net Debt/EBITDA1.65

Efficiency

ROE18%7

ROA4%5

Earnings Stability77

GEAR+AVERAGE57

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)610

P/E Ratio (Forward 3y)610

P/BV0.910

EV Multiples

EV/EBITDA Fwd010

EV/EBIT Fwd010

Yield

Free Cash Flow Yield0.0%10

Dividend Yieldna–

Momentum

Short term

1 month return-7%4

3 month return+8%8

YTD return-16%3

Mid term

Price vs 52wHigh75%4

1 year return-14%3

Long term

3 year return+131%8

5 year return+197%9

Risk Shield

Price Risk

Beta0.76

Volatility36%5

Free Cash Flow

Free Cash Flow Margin16%7

Free Cash Flow Yield0.0%10

Quality

ROCE6%5

Earnings Stability77

Net Debt/EBITDA1.65

02Growth

Is it actually growing, and how fast?

1339The People's Insurance Company (Group) of China

Revenue FY25$89.4B

GROWTH RATING↗

VERY WEAK12 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+8%6

Revenue, next 1Y+0%3

Revenue, next 3Y, CAGR+2%2

Revenue, next 5Y, CAGR+2%2

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-22%2

EPS growth, FY27E-7%3

EPS growth, FY28E-0%3

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue grew 8%/yr over the last 3 years; forecasts see it cooling to 2%/yr.

WEAKNESSES

Growth is the weak spot here, trailing 88% of companies worldwide.

Revenue is set to grow 2%/yr over the next 3 years, behind most of the market.2/10

Over five years revenue is set to grow 2%/yr, behind 80% of companies worldwide.2/10

Earnings are set to fall even as revenue grows (EPS about -7%/yr vs revenue 2%/yr).

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

1339The People's Insurance Company (Group) of China

Total return Current166%

Price return Current74.7%

MOMENTUM RATING↗

AVERAGE57 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-7%4

3-month return+8%8

YTD return-16%3

MID & LONG-TERM▾SCORE

% of 52-week high75%4

1-year return-14%3

3-year return+131%8

5-year return+197%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +131% over three years and +197% over five, ahead of 80% of the market.

Strong recent results. The stock is outperforming over three months (+8%).

WATCH

Returns sit at the market level over the past month (-7%).

WEAKNESSES

It's down 14% over the past year, now 25% below its 52-week high. That is a touch behind the market.

The stock is underperforming so far this year (-16%).

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout. The one thing to watch: the one-year trend is weak.

04Value

Are you paying a fair price for it?

Stop guessing on PICC Group. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

1339The People's Insurance Company (Group) of China

Revenue FY25$89.4B

GROWTH RATING↗

VERY WEAK12 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+8%6

Revenue, next 1Y+0%3

Revenue, next 3Y, CAGR+2%2

Revenue, next 5Y, CAGR+2%2

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-22%2

EPS growth, FY27E-7%3

EPS growth, FY28E-0%3

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue grew 8%/yr over the last 3 years; forecasts see it cooling to 2%/yr.

WEAKNESSES

Growth is the weak spot here, trailing 88% of companies worldwide.

Revenue is set to grow 2%/yr over the next 3 years, behind most of the market.2/10

Over five years revenue is set to grow 2%/yr, behind 80% of companies worldwide.2/10

Earnings are set to fall even as revenue grows (EPS about -7%/yr vs revenue 2%/yr).

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

1339The People's Insurance Company (Group) of China

Total return Current166%

Price return Current74.7%

MOMENTUM RATING↗

AVERAGE57 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-7%4

3-month return+8%8

YTD return-16%3

MID & LONG-TERM▾SCORE

% of 52-week high75%4

1-year return-14%3

3-year return+131%8

5-year return+197%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +131% over three years and +197% over five, ahead of 80% of the market.

Strong recent results. The stock is outperforming over three months (+8%).

WATCH

Returns sit at the market level over the past month (-7%).

WEAKNESSES

It's down 14% over the past year, now 25% below its 52-week high. That is a touch behind the market.

The stock is underperforming so far this year (-16%).

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout. The one thing to watch: the one-year trend is weak.

04Value

Are you paying a fair price for it?

Stop guessing on PICC Group. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community