China Life Insurance Company Limited
$3.85+2.7%1Y+28.3%
Mentions · last 7 days
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Price updated 8h ago
What it does
Plain-English summary of the business — what they sell and how they make money.
Industry overviewAI analysisGenerated by AI from underlying data
Where Insurance - Life sits in its cycle right now — and what that implies for $CILJF.
Insurance - Life
Elevated long-term rates are a net positive for life insurers through improved spread income; annuity sales are strong as savers lock in guaranteed rates. Mortality normalization post-COVID removes the headwind that weighed on claims in prior years.
What this means for $CILJF
Partial — insurance earnings follow combined ratio and investment income dynamics, partially correlated to industry macro; China Life Insurance Company Limited, along with its affiliated entities, serves.
Top industry ETF
$KIESPDR S&P Insurance ETF
+7.7%YTD
+7.9%1Y
Fundamentals & catalyst
Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.
Key ratios
P/E
4.4How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.ROIC
3.0%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.Op margin
49.6%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.FCF yield
58.8%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).P/S
1.8Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.ROE
39.9%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.Gross margin
93.3%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.D/E
0.4Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.Past earnings
QuarterReportedActualEstimateSurprise
Q2 2026Aug 27, 2026$0.70$0.68+3.1%
Q1 2026Apr 29, 2026$0.10——
Q4 2025Mar 25, 2026$0.57$0.53+8.3%
Q3 2025Oct 30, 2025$0.63$0.66-4.1%
Next earningsThu, Oct 29
Quarterly trend
QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$286.2B+299.3%100%56.2%$4.68—
Q1 FY26$90.1B+47.3%99.6%21.6%$0.69$174.8B
Q4 FY25$80.5B+47.3%99.4%-28.7%$-0.49$58.7B
Q3 FY25$173.7B-8.5%100%93.5%$4.49$99.4B
Forward consensus
FYRevenueRangeEPSRangeAnalysts
FY26$655.8B$593.5B – $730.3B$5.74$5.03 – $6.592
FY27$693.6B$553.0B – $861.6B$5.54$4.86 – $6.364
FY28$746.7B$675.7B – $831.5B$6.01$5.27 – $6.891
Setup & momentum
Volume, range, and moving-average position — the technical setup driving short-term moves.
Right now
Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.1×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.58%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+6.5%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+3.5%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.
Float & profile
FloatMega float · 8.9B shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.0% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.875-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.ListedOTCListed on an over-the-counter market (PNK / OTCQB / OTCQX), not a major exchange. Lower disclosure requirements and thinner liquidity.
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