company background image
CUII

China United Insurance Service OTCPK:CUII Stock Report

Last Price

US$1.81

Market Cap

US$54.8m

7D

0%

1Y

3.4%

Updated

06 Oct, 2022

Data

Company Financials
CUII fundamental analysis
Snowflake Score
Valuation4/6
Future Growth0/6
Past Performance4/6
Financial Health5/6
Dividends0/6

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

Summary of all time highs, changes and price drops for China United Insurance Service
Historical stock prices
Current Share PriceUS$1.81
52 Week HighUS$5.73
52 Week LowUS$1.33
Beta-0.87
1 Month Change0%
3 Month Changen/a
1 Year Change3.43%
3 Year Change-27.60%
5 Year Change-59.78%
Change since IPO805.00%

Recent News & Updates

Shareholder Returns

CUIIUS InsuranceUS Market
7D0%4.5%1.9%
1Y3.4%0.4%-18.8%

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.

Price Volatility

Is CUII's price volatile compared to industry and market?
CUII volatility
CUII Average Weekly Movementn/a
Insurance Industry Average Movement4.6%
Market Average Movement7.0%
10% most volatile stocks in US Market15.5%
10% least volatile stocks in US Market2.9%

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

FoundedEmployeesCEOWebsite
2010318Yi Hsiao Maohttps://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

How do China United Insurance Service's earnings and revenue compare to its market cap?
CUII fundamental statistics
Market CapUS$54.82m
Earnings (TTM)US$7.16m
Revenue (TTM)US$130.50m

7.7x

P/E Ratio

0.4x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
CUII income statement (TTM)
RevenueUS$130.50m
Cost of RevenueUS$82.77m
Gross ProfitUS$47.72m
Other ExpensesUS$40.56m
EarningsUS$7.16m

Last Reported Earnings

Jun 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)0.24
Gross Margin36.57%
Net Profit Margin5.49%
Debt/Equity Ratio29.3%

How did CUII perform over the long term?

See historical performance and comparison
We’ve recently updated our valuation analysis.

Valuation

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

Valuation Score

4/6

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

  • Analyst Forecast

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.

CUII key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue0.4x
Enterprise Value/EBITDA2.9x
PEG Ration/a

Price to Earnings Ratio vs Peers

How does CUII's PE Ratio compare to its peers?

CUII PE Ratio vs Peers
The above table shows the PE ratio for CUII vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average25.4x
MAAL Marketing Alliance
12.3xn/aUS$21.4m
CRD.B Crawford
11.6x35.4%US$289.7m
FANH Fanhua
54.7x111.4%US$303.5m
AAME Atlantic American
22.9xn/aUS$57.6m
CUII China United Insurance Service
7.7xn/aUS$54.8m

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.

CUII PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio7.7x
Fair PE Ration/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.


Discover undervalued companies

Future Growth

How is China United Insurance Service forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


17.8%

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.


Discover growth companies

  • 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.

Past Performance

How has China United Insurance Service performed over the past 5 years?

Past Performance Score

4/6

Past Performance Score 4/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-2.7%

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.


Discover strong past performing companies

Financial Health

How is China United Insurance Service's financial position?

Financial Health Score

5/6

Financial Health Score 5/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

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.


Balance Sheet


Discover healthy companies

Dividend

What is China United Insurance Service current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Cash Flow Coverage

Dividend Yield vs Market

China United Insurance Service Dividend Yield vs Market
How does China United Insurance Service dividend yield compare to the market?
SegmentDividend Yield
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.


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

8.2yrs

Average management tenure


CEO

Yi Hsiao Mao (63 yo)

12.33yrs

Tenure

US$338,519

Compensation

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
How has Yi Hsiao Mao's remuneration changed compared to China United Insurance Service's earnings?
DateTotal Comp.SalaryCompany Earnings
Jun 30 2022n/an/a

US$7m

Mar 31 2022n/an/a

US$7m

Dec 31 2021US$339kUS$339k

US$6m

Sep 30 2021n/an/a

US$4m

Jun 30 2021n/an/a

US$4m

Mar 31 2021n/an/a

US$4m

Dec 31 2020US$361kUS$361k

US$930k

Sep 30 2020n/an/a

US$2m

Jun 30 2020n/an/a

US$1m

Mar 31 2020n/an/a

US$763k

Dec 31 2019US$281kUS$281k

US$3m

Sep 30 2019n/an/a

US$5m

Jun 30 2019n/an/a

US$4m

Mar 31 2019n/an/a

US$4m

Dec 31 2018US$250kUS$250k

US$2m

Sep 30 2018n/an/a

US$4m

Jun 30 2018n/an/a

US$5m

Mar 31 2018n/an/a

US$6m

Dec 31 2017US$312kUS$312k

US$7m

Sep 30 2017n/an/a

US$6m

Jun 30 2017n/an/a

US$5m

Mar 31 2017n/an/a

US$5m

Dec 31 2016US$315kUS$315k

US$3m

Sep 30 2016n/an/a

US$3m

Jun 30 2016n/an/a

US$2m

Mar 31 2016n/an/a

US$715k

Dec 31 2015US$600kUS$306k

-US$962k

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.


Leadership Team

Experienced Management: CUII's management team is seasoned and experienced (8.2 years average tenure).


Board Members

Experienced Board: CUII's board of directors are considered experienced (5.4 years average tenure).


Ownership

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.


Ownership Breakdown

What is the ownership structure of CUII?
Owner TypeNumber of SharesOwnership Percentage
Private Companies969,3223.2%
Individual Insiders9,207,54130.4%
General Public20,109,33666.4%

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 2.9%.


Top Shareholders

Top 6 shareholders own 33.6% of the company
OwnershipNameSharesCurrent ValueChange %Portfolio %
11.13%
Yi Hsiao Mao
3,370,912$6.1m0%no data
8.32%
Pi Hui Chang
2,520,000$4.6m0%no data
7.32%
Chwan Hau Li
2,216,629$4.0m0%no data
3.2%
U-Li Investment Consulting Enterprise Co., Ltd
969,322$1.8m0%no data
2.64%
Fu Chang Li
800,000$1.4m0%no data
0.99%
Shu-Fen Lee
300,000$543.0k0%no data

Company Information

China United Insurance Service, Inc.'s employee growth, exchange listings and data sources


Key Information

  • 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


Location

  • China United Insurance Service, Inc.
  • No. 311, Nan-King East Road
  • 7th Floor
  • Taipei
  • 10595
  • Taiwan


Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CUIIOTCPK (Pink Sheets LLC)YesCommon StockUSUSDMay 2012

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/10/06 00:00
End of Day Share Price2022/08/30 00:00
Earnings2022/06/30
Annual Earnings2021/12/31


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.