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China Life Insurance Company Limited (2628) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

China Life Insurance Company Limited

2628Market cap $140BPrice $3.5

Country🇨🇳China

SectorFinancials

IndustryInsurance

Sells life insurance and manages investments for over 100 million Chinese customers. Controls roughly 20% of China's massive life insurance market, making it the country's largest insurer by premiums collected.

In Bastion Portfolios?

52W Return+18%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+14%8

Revenue Forecast

Rev CAGR (1y)+7%5

Rev CAGR (3y)-9%1

Rev CAGR (5y)-6%1

Earnings Forecast

EPS Growth Y+1-22%2

EPS Growth Y+2-19%2

EPS Growth Y+3+9%6

Quality

Margins

EBIT Margin68%10

Net Income Margin54%10

Free Cash Flow Margin96%10

Debt

Net Debt/EBITDA0.47

Efficiency

ROE42%10

ROA3%5

Earnings Stability77

GEAR+STRONG70

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)610

P/E Ratio (Forward 3y)610

P/BV1.48

EV Multiples

EV/EBITDA Fwd010

EV/EBIT Fwd010

Yield

Free Cash Flow Yield0.0%10

Dividend Yieldna–

Momentum

Short term

1 month return-11%2

3 month return-4%5

YTD return+2%5

Mid term

Price vs 52wHigh78%5

1 year return+30%8

Long term

3 year return+162%9

5 year return+163%8

Risk Shield

Price Risk

Beta1.23

Volatility42%4

Free Cash Flow

Free Cash Flow Margin96%10

Free Cash Flow Yield0.0%10

Quality

ROCE38%5

Earnings Stability77

Net Debt/EBITDA0.47

02Growth

Is it actually growing, and how fast?

2628China Life Insurance Company

Revenue FY25$50.3B

GROWTH RATING↗

VERY WEAK11 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+14%8

Revenue, next 1Y+7%5

Revenue, next 3Y, CAGR-9%1

Revenue, next 5Y, CAGR-6%1

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-22%2

EPS growth, FY27E-19%2

EPS growth, FY28E+9%6

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 14%/yr over the last 3 years, ahead of 70% of companies worldwide.8/10

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 89% of companies worldwide.

Revenue is set to shrink 9%/yr over the next 3 years, behind most of the market.2/10

Revenue grew 14%/yr over the last 3 years, but it is set to shrink 9%/yr from here.

Over five years revenue is set to shrink 6%/yr, behind 90% of companies worldwide.1/10

Earnings are set to fall along with revenue (EPS about -19%/yr vs revenue -9%/yr).

BOTTOM LINE

Stalled Business

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

03Price Momentum

Is the market behind it right now?

2628China Life Insurance Company

Total return Current87.1%

Price return Current34.3%

MOMENTUM RATING↗

AVERAGE58 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-11%2

3-month return-4%5

YTD return+2%5

MID & LONG-TERM▾SCORE

% of 52-week high78%5

1-year return+30%8

3-year return+162%9

5-year return+163%8

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +162% over three years and +163% over five, ahead of 80% of the market.

It's up 30% over the past year, but 22% below its 52-week high. That is clearly ahead of the market.

WATCH

Returns sit at the market level over three months (-4%) and so far this year (+2%).

WEAKNESSES

The stock is underperforming over the past month (-11%).

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 stock is underperforming over the past month.

04Value

Are you paying a fair price for it?

Stop guessing on China Life Insurance. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

2628China Life Insurance Company

Revenue FY25$50.3B

GROWTH RATING↗

VERY WEAK11 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+14%8

Revenue, next 1Y+7%5

Revenue, next 3Y, CAGR-9%1

Revenue, next 5Y, CAGR-6%1

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-22%2

EPS growth, FY27E-19%2

EPS growth, FY28E+9%6

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 14%/yr over the last 3 years, ahead of 70% of companies worldwide.8/10

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 89% of companies worldwide.

Revenue is set to shrink 9%/yr over the next 3 years, behind most of the market.2/10

Revenue grew 14%/yr over the last 3 years, but it is set to shrink 9%/yr from here.

Over five years revenue is set to shrink 6%/yr, behind 90% of companies worldwide.1/10

Earnings are set to fall along with revenue (EPS about -19%/yr vs revenue -9%/yr).

BOTTOM LINE

Stalled Business

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

03Price Momentum

Is the market behind it right now?

2628China Life Insurance Company

Total return Current87.1%

Price return Current34.3%

MOMENTUM RATING↗

AVERAGE58 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-11%2

3-month return-4%5

YTD return+2%5

MID & LONG-TERM▾SCORE

% of 52-week high78%5

1-year return+30%8

3-year return+162%9

5-year return+163%8

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +162% over three years and +163% over five, ahead of 80% of the market.

It's up 30% over the past year, but 22% below its 52-week high. That is clearly ahead of the market.

WATCH

Returns sit at the market level over three months (-4%) and so far this year (+2%).

WEAKNESSES

The stock is underperforming over the past month (-11%).

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 stock is underperforming over the past month.

04Value

Are you paying a fair price for it?

Stop guessing on China Life Insurance. 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