CUII Stock Overview
China United Insurance Service, Inc., through its subsidiaries, provides brokerage services related to life insurance, and property and casualty insurance products in the People’s Republic of China.
China United Insurance Service Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$1.81|
|52 Week High||US$5.73|
|52 Week Low||US$1.33|
|1 Month Change||0%|
|3 Month Change||n/a|
|1 Year Change||3.43%|
|3 Year Change||-27.60%|
|5 Year Change||-59.78%|
|Change since IPO||805.00%|
Recent News & Updates
|CUII||US Insurance||US Market|
Return vs Industry: CUII exceeded the US Insurance industry which returned 0.4% over the past year.
Return vs Market: CUII exceeded the US Market which returned -18.8% over the past year.
|CUII Average Weekly Movement||n/a|
|Insurance Industry Average Movement||4.6%|
|Market Average Movement||7.0%|
|10% most volatile stocks in US Market||15.5%|
|10% least volatile stocks in US Market||2.9%|
Stable Share Price: Insufficient data to determine CUII's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine CUII's volatility change over the past year.
About the Company
|2010||318||Yi Hsiao Mao||https://www.holdingscuis.com/cuis_en/|
China United Insurance Service, Inc., through its subsidiaries, provides brokerage services related to life insurance, and property and casualty insurance products in the People’s Republic of China. The company offers life insurance products, including individual whole life, individual term life, individual health, accidental injury, investment-oriented, foreign currency insurance commodities, travel accident, individual endowment life, and individual annuity insurance. It also provides property and casualty insurance products, such as automobile, casualty, liability, and commercial property insurance.
China United Insurance Service Fundamentals Summary
|CUII fundamental statistics|
Is CUII overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|CUII income statement (TTM)|
|Cost of Revenue||US$82.77m|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
|Earnings per share (EPS)||0.24|
|Net Profit Margin||5.49%|
How did CUII perform over the long term?See historical performance and comparison
Is CUII undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 4/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for CUII?
Other financial metrics that can be useful for relative valuation.
|What is CUII's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does CUII's PE Ratio compare to its peers?
|CUII PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
MAAL Marketing Alliance
AAME Atlantic American
CUII China United Insurance Service
Price-To-Earnings vs Peers: CUII is good value based on its Price-To-Earnings Ratio (7.7x) compared to the peer average (25.4x).
Price to Earnings Ratio vs Industry
How does CUII's PE Ratio compare vs other companies in the US Insurance Industry?
Price-To-Earnings vs Industry: CUII is good value based on its Price-To-Earnings Ratio (7.7x) compared to the US Insurance industry average (14x)
Price to Earnings Ratio vs Fair Ratio
What is CUII'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.
|Current PE Ratio||7.7x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate CUII's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of CUII when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: CUII ($1.81) is trading below our estimate of fair value ($2.37)
Significantly Below Fair Value: CUII is trading below fair value by more than 20%.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Insufficient data to show price forecast.
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How is China United Insurance Service forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Insurance industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as China United Insurance Service has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
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- Examine whether China United Insurance Service is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access China United Insurance Service's filings and announcements here.
How has China United Insurance Service performed over the past 5 years?
Past Performance Score4/6
Past Performance Score 4/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CUII has high quality earnings.
Growing Profit Margin: CUII's current net profit margins (5.5%) are higher than last year (3%).
Past Earnings Growth Analysis
Earnings Trend: CUII's earnings have declined by 2.7% per year over the past 5 years.
Accelerating Growth: CUII's earnings growth over the past year (81.3%) exceeds its 5-year average (-2.7% per year).
Earnings vs Industry: CUII earnings growth over the past year (81.3%) exceeded the Insurance industry -22.8%.
Return on Equity
High ROE: CUII's Return on Equity (18.7%) is considered low.
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How is China United Insurance Service's financial position?
Financial Health Score5/6
Financial Health Score 5/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: CUII's short term assets ($111.1M) exceed its short term liabilities ($51.5M).
Long Term Liabilities: CUII's short term assets ($111.1M) exceed its long term liabilities ($5.9M).
Debt to Equity History and Analysis
Debt Level: CUII has more cash than its total debt.
Reducing Debt: CUII's debt to equity ratio has increased from 3.6% to 29.3% over the past 5 years.
Debt Coverage: CUII's debt is well covered by operating cash flow (73.6%).
Interest Coverage: CUII earns more interest than it pays, so coverage of interest payments is not a concern.
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What is China United Insurance Service current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Cash Flow Coverage
Dividend Yield vs Market
|China United Insurance Service Dividend Yield vs Market|
|Company (China United Insurance Service)||n/a|
|Market Bottom 25% (US)||1.6%|
|Market Top 25% (US)||4.5%|
|Industry Average (Insurance)||2.4%|
|Analyst forecast in 3 Years (China United Insurance Service)||n/a|
Notable Dividend: Unable to evaluate CUII's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate CUII's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if CUII's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if CUII's dividend payments have been increasing.
Earnings Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as CUII has not reported any payouts.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Yi Hsiao Mao (63 yo)
Mr. Yi Hsiao Mao is the Founder of Taiwan Law Broker Co., Ltd. Mr. Mao has been Chief Executive Officer of China United Insurance Service, Inc. since August 8, 2014. Mr. Mao has vast insurance industry exp...
CEO Compensation Analysis
|Yi Hsiao Mao's Compensation vs China United Insurance Service Earnings|
|Date||Total Comp.||Salary||Company Earnings|
|Jun 30 2022||n/a||n/a|
|Mar 31 2022||n/a||n/a|
|Dec 31 2021||US$339k||US$339k|
|Sep 30 2021||n/a||n/a|
|Jun 30 2021||n/a||n/a|
|Mar 31 2021||n/a||n/a|
|Dec 31 2020||US$361k||US$361k|
|Sep 30 2020||n/a||n/a|
|Jun 30 2020||n/a||n/a|
|Mar 31 2020||n/a||n/a|
|Dec 31 2019||US$281k||US$281k|
|Sep 30 2019||n/a||n/a|
|Jun 30 2019||n/a||n/a|
|Mar 31 2019||n/a||n/a|
|Dec 31 2018||US$250k||US$250k|
|Sep 30 2018||n/a||n/a|
|Jun 30 2018||n/a||n/a|
|Mar 31 2018||n/a||n/a|
|Dec 31 2017||US$312k||US$312k|
|Sep 30 2017||n/a||n/a|
|Jun 30 2017||n/a||n/a|
|Mar 31 2017||n/a||n/a|
|Dec 31 2016||US$315k||US$315k|
|Sep 30 2016||n/a||n/a|
|Jun 30 2016||n/a||n/a|
|Mar 31 2016||n/a||n/a|
|Dec 31 2015||US$600k||US$306k|
Compensation vs Market: Yi Hsiao's total compensation ($USD338.52K) is below average for companies of similar size in the US market ($USD772.75K).
Compensation vs Earnings: Yi Hsiao's compensation has been consistent with company performance over the past year.
Experienced Management: CUII's management team is seasoned and experienced (8.2 years average tenure).
Experienced Board: CUII's board of directors are considered experienced (5.4 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
|Owner Type||Number of Shares||Ownership Percentage|
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 2.9%.
|Ownership||Name||Shares||Current Value||Change %||Portfolio %|
China United Insurance Service, Inc.'s employee growth, exchange listings and data sources
- Name: China United Insurance Service, Inc.
- Ticker: CUII
- Exchange: OTCPK
- Founded: 2010
- Industry: Insurance Brokers
- Sector: Insurance
- Implied Market Cap: US$54.818m
- Shares outstanding: 30.29m
- Website: https://www.holdingscuis.com/cuis_en/
Number of Employees
- China United Insurance Service, Inc.
- No. 311, Nan-King East Road
- 7th Floor
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|CUII||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||May 2012|
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/10/06 00:00|
|End of Day Share Price||2022/08/30 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.