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PICC Property and Casualty Company Limited (2328) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

PICC Property and Casualty Company Limited

2328Market cap $44BPrice $2.0

Country🇨🇳China

SectorFinancials

IndustryInsurance

Provides property and casualty insurance across China, covering everything from car accidents to natural disasters. China's second-largest property insurer handles over 100 million policies, protecting both individuals and massive state-owned enterprises.

In Bastion Portfolios?

52W Return-14%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+7%6

Revenue Forecast

Rev CAGR (1y)+3%3

Rev CAGR (3y)+3%2

Rev CAGR (5y)+4%3

Earnings Forecast

EPS Growth Y+1+12%7

EPS Growth Y+2+4%5

EPS Growth Y+3+6%5

Quality

Margins

EBIT Margin11%5

Net Income Margin9%5

Free Cash Flow Margin7%5

Debt

Net Debt/EBITDA0.76

Efficiency

ROE17%7

ROA6%7

Earnings Stability88

GEAR+STRONG79

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)710

P/E Ratio (Forward 3y)610

P/BV1.09

EV Multiples

EV/EBITDA Fwd010

EV/EBIT Fwd010

Yield

Free Cash Flow Yield0.0%10

Dividend Yieldna–

Momentum

Short term

1 month return-6%5

3 month return+7%8

YTD return+1%5

Mid term

Price vs 52wHigh87%7

1 year return-6%4

Long term

3 year return+82%7

5 year return+177%9

Risk Shield

Price Risk

Beta0.58

Volatility29%7

Free Cash Flow

Free Cash Flow Margin7%5

Free Cash Flow Yield0.0%10

Quality

ROCE8%7

Earnings Stability88

Net Debt/EBITDA0.76

02Growth

Is it actually growing, and how fast?

2328PICC Property and Casualty Company

Revenue FY25$77.9B

GROWTH RATING↗

WEAK21 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+7%6

Revenue, next 1Y+3%3

Revenue, next 3Y, CAGR+3%2

Revenue, next 5Y, CAGR+4%3

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+12%7

EPS growth, FY27E+4%5

EPS growth, FY28E+6%5

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 6%/yr vs revenue 3%/yr).

WATCH

Revenue grew 7%/yr over the last 3 years; forecasts see it cooling to 3%/yr.

WEAKNESSES

Growth is the weak spot here, trailing 79% of companies worldwide.

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

Over five years revenue is set to grow 4%/yr, behind 70% of companies worldwide.3/10

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?

2328PICC Property and Casualty Company

Total return Current214%

Price return Current95.7%

MOMENTUM RATING↗

STRONG70 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%5

3-month return+7%8

YTD return+1%5

MID & LONG-TERM▾SCORE

% of 52-week high87%7

1-year return-6%4

3-year return+82%7

5-year return+177%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +82% over three years and +177% over five, ahead of 70% of the market.

Strong recent results. The stock is outperforming over three months (+7%).

WATCH

It's down 6% over the past year, now 13% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-6%) and so far this year (+1%).

WEAKNESSES

None flagged.

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.

04Value

Are you paying a fair price for it?

Stop guessing on PICC P&C. 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?

2328PICC Property and Casualty Company

Revenue FY25$77.9B

GROWTH RATING↗

WEAK21 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+7%6

Revenue, next 1Y+3%3

Revenue, next 3Y, CAGR+3%2

Revenue, next 5Y, CAGR+4%3

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+12%7

EPS growth, FY27E+4%5

EPS growth, FY28E+6%5

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 6%/yr vs revenue 3%/yr).

WATCH

Revenue grew 7%/yr over the last 3 years; forecasts see it cooling to 3%/yr.

WEAKNESSES

Growth is the weak spot here, trailing 79% of companies worldwide.

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

Over five years revenue is set to grow 4%/yr, behind 70% of companies worldwide.3/10

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?

2328PICC Property and Casualty Company

Total return Current214%

Price return Current95.7%

MOMENTUM RATING↗

STRONG70 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-6%5

3-month return+7%8

YTD return+1%5

MID & LONG-TERM▾SCORE

% of 52-week high87%7

1-year return-6%4

3-year return+82%7

5-year return+177%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +82% over three years and +177% over five, ahead of 70% of the market.

Strong recent results. The stock is outperforming over three months (+7%).

WATCH

It's down 6% over the past year, now 13% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-6%) and so far this year (+1%).

WEAKNESSES

None flagged.

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.

04Value

Are you paying a fair price for it?

Stop guessing on PICC P&C. 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