China Life Insurance Company Limited

OTCPK:CILJ.F Stock Report

Market Cap: US$146.8b

China Life Insurance Valuation

Is CILJ.F undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of CILJ.F when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: CILJ.F ($2) is trading below our estimate of fair value ($7.29)

Significantly Below Fair Value: CILJ.F is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for CILJ.F?

Key metric: As CILJ.F is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for CILJ.F. This is calculated by dividing CILJ.F's market cap by their current earnings.
What is CILJ.F's PE Ratio?
PE Ratio4.7x
EarningsCN¥87.47b
Market CapCN¥1.06t

Price to Earnings Ratio vs Peers

How does CILJ.F's PE Ratio compare to its peers?

The above table shows the PE ratio for CILJ.F vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average12.6x
AFL Aflac
16x-1.7%US$61.4b
MET MetLife
16.1x13.2%US$56.8b
PRU Prudential Financial
11x6.8%US$44.6b
UNM Unum Group
7.5x-4.3%US$13.0b
CILJ.F China Life Insurance
4.7x-14.5%US$1.1t

Price-To-Earnings vs Peers: CILJ.F is good value based on its Price-To-Earnings Ratio (4.7x) compared to the peer average (12.6x).

Price to Earnings Ratio vs Industry

How does CILJ.F's PE Ratio compare vs other companies in the US Insurance Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
AORE.F American Overseas Group
2.1xn/aUS$16.68m
CUII China United Insurance Service
0.0003xn/aUS$3.13k
No more companies available in this PE range
CILJ.F 4.7xIndustry Avg. 13.3xNo. of Companies14PE01020304050+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: CILJ.F is good value based on its Price-To-Earnings Ratio (4.7x) compared to the US Insurance industry average (13.5x).

Price to Earnings Ratio vs Fair Ratio

What is CILJ.F's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

CILJ.F PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio4.7x
Fair PE Ratio5.6x

Price-To-Earnings vs Fair Ratio: CILJ.F is good value based on its Price-To-Earnings Ratio (4.7x) compared to the estimated Fair Price-To-Earnings Ratio (5.6x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst CILJ.F forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$2.00
US$2.33
+16.7%
13.7%US$2.94US$1.73n/a18
Nov ’25US$2.10
US$2.25
+7.3%
18.1%US$2.98US$1.47n/a18
Oct ’25US$1.98
US$1.95
-1.7%
14.7%US$2.59US$1.44n/a19
Sep ’25US$1.45
US$1.87
+29.3%
15.5%US$2.58US$1.27n/a19
Aug ’25US$1.37
US$1.87
+36.2%
14.0%US$2.56US$1.41n/a19
Jul ’25US$1.41
US$1.88
+33.5%
15.0%US$2.55US$1.40n/a21
Jun ’25US$1.45
US$1.86
+28.3%
15.3%US$2.55US$1.41n/a22
May ’25US$1.38
US$1.83
+32.9%
18.5%US$2.55US$0.97n/a21
Apr ’25US$1.25
US$1.83
+46.2%
19.1%US$2.54US$0.97n/a21
Mar ’25US$1.25
US$1.88
+49.9%
21.0%US$2.55US$0.97n/a22
Feb ’25US$1.19
US$1.93
+61.8%
20.1%US$2.60US$0.97n/a22
Jan ’25US$1.28
US$2.09
+63.0%
17.3%US$2.85US$1.31n/a22
Dec ’24US$1.41
US$2.11
+49.7%
17.1%US$2.84US$1.31n/a22
Nov ’24US$1.37
US$2.04
+49.1%
16.8%US$2.76US$1.28US$2.1024
Oct ’24US$1.54
US$2.15
+39.8%
15.5%US$2.92US$1.53US$1.9823
Sep ’24US$1.53
US$2.20
+43.5%
13.8%US$2.93US$1.65US$1.4524
Aug ’24US$1.75
US$2.25
+28.6%
16.8%US$2.93US$1.55US$1.3723
Jul ’24US$1.70
US$2.23
+31.3%
15.9%US$2.94US$1.55US$1.4123
Jun ’24US$1.74
US$2.25
+29.2%
15.6%US$2.87US$1.56US$1.4523
May ’24US$1.94
US$2.21
+13.7%
16.4%US$2.94US$1.61US$1.3823
Apr ’24US$1.63
US$2.26
+38.6%
17.6%US$3.19US$1.58US$1.2522
Mar ’24US$1.80
US$2.16
+20.3%
15.2%US$2.80US$1.60US$1.2523
Feb ’24US$1.81
US$2.18
+20.4%
15.3%US$2.86US$1.63US$1.1923
Jan ’24US$1.70
US$1.93
+13.3%
16.5%US$2.79US$1.43US$1.2821
Dec ’23US$1.48
US$1.85
+25.1%
17.7%US$2.71US$1.39US$1.4122
Nov ’23US$1.06
US$1.83
+72.4%
17.2%US$2.67US$1.37US$1.3722

Analyst Forecast: Target price is less than 20% higher than the current share price.

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