China Life Insurance Co Ltd
XMUN:CHL
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C
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China Life Insurance Co Ltd
XMUN:CHL
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CN |
Intrinsic Value
The intrinsic value of 
China Life Insurance Co Ltd (CHL) under the Base Case is 4.1609 EUR per share.
Compared with the current market price of 2.6675 EUR, the stock appears
Undervalued by 36% .
The intrinsic value is the average of valuations using the DCF method and multiples.
Do our valuations actually work? See backtest results .
Cheap or expensive for this stock?
This block shows whether today’s valuation is cheap or expensive compared with the stock’s own history, and what happened after similar valuations in the past.
We compare the gap between the stock’s price and our estimated value over time.
- Undervalued can still be historically expensive. The stock may trade below our estimated value, but usually offer an even bigger discount.
- Overvalued can still be historically cheap. The stock may trade above our estimated value, but usually carry an even higher premium.
Market expectations can differ from our model, which may not fully capture everything affecting the price. That is why some stocks regularly trade above our estimated value and others below it.
The scale and chart show how today’s valuation compares with the past. The cards summarize past returns and waiting times until the stock stopped being cheap or expensive. This can happen because the price changed, our estimated value changed, or both.
Only completed periods are included. These are past results, not forecasts. The usual historical range does not necessarily mean fair value.
Fundamental Analysis
What China Life Insurance Does
China Life Insurance is one of China’s largest life insurers. It sells life insurance, health insurance, accident coverage, annuity products, and related savings-style insurance to households and organizations. Its main customers are ordinary consumers, government and corporate clients, and people looking for long-term protection or retirement income planning.
- Headquarters
- China CN
- Employees
- 97 505
- IPO date
- Dec 18, 2003
China Life Insurance has no economic moat
Rivals can offer similar insurance and compete for customers’ new purchases, so China Life’s familiar name and broad sales reach do not give it lasting control over prices. Existing policies can be costly to replace, but that does not prevent customers from buying additional coverage elsewhere.
Read the full moat analysis
The intrinsic value for China Life Insurance Co Ltd (CHL) under the Base Case is 4.1609 EUR.
Compared with the current market price of 2.6675 EUR, the stock appears Undervalued by 36% .