What is China Life Insurance Company Limited's (601628.SS) StockRank?

MoatMap's StockRank for China Life Insurance Company Limited (601628.SS) is 44/100, with a Hold signal. This is a composite score combining Quality (61), Value (60), and Momentum (14) factor ranks across MoatMap's 20,000+ stock universe.

Does China Life Insurance Company Limited have an economic moat?

China Life Insurance Company Limited (601628.SS) has a Quality factor score of 61/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is China Life Insurance Company Limited a buy, hold, or sell?

MoatMap's current signal for China Life Insurance Company Limited (601628.SS) is Hold, based on a StockRank of 44/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is China Life Insurance Company Limited in?

China Life Insurance Company Limited (601628.SS) operates in the Financial Services sector, specifically the Insurance - Life industry (China).

Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

Request Deep Dive(50 Feathers)

601628.SS

HOLDREMOVE

China Life Insurance Company Limited · Financial Services · China · $152.2B · Avg Vol: $216M/d

StockRank

P/E (TTM)

7.1x

ROE

25.5%

D/E

0.5x

Dividend %

2.4%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

China Life Insurance is a massive state-owned financial institution with low agility and significant exposure to the troubled Chinese real estate debt market, offering no thematic upside.

COMPANY DESCRIPTION

China Life Insurance Company Limited is a premier provider of life, health, and accident insurance products, alongside pension and asset management services. As one of China's largest life insurers, it commands a dominant market share supported by an unparalleled nationwide agent distribution network. The company is a systemic financial institution with a massive investment portfolio that drives stable, long-term returns.

FINANCIAL SUMMARY (USD)

Year	2021	2022	2023	2024	2025	CAGR
Revenue	—	121.5B	58.6B	44.8B	89.4B	-9.7%
EPS	—	0.17	0.27	0.56	0.81	68.5%
Shares	—	28.3B	28.3B	28.3B	28.3B	0.0%
Debt	—	7.3B	7.2B	7.3B	5.4B	-9.3%
Equity	—	64.5B	48.4B	75.3B	88.0B	10.9%
Op CF	42.3B	52.0B	56.8B	56.0B	68.0B	12.6%
Inv CF	-58.2B	-24.4B	-62.7B	-52.4B	-80.9B	—
Fin CF	16.4B	-17.7B	8.9B	-12.8B	21.3B	—

PRICE (1Y)+1.8%

SMA 50SMA 200

$5.41

RSI (14)

67.8

52W High

$7.67

From 52W High

0.7%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.5%*52.3

ROE

25.5%91.2

GP/Assets

2.6%29.6

Op. Margin

38.1%56.1

FCF/Assets

1.0%37.0

Piotroski

796.0

Int. Cover

—N/A

D/E Ratio

0.45x48.3

Current Ratio

6.33x80.5

Value

P/E (TTM)

7.1x82.9

EV/EBITDA

-4.8x94.4

P/FCF

14.0x48.6

P/B

1.7x28.3

P/S

3.0x58.5

Div Yield

2.4%32.1

Momentum

52W High %

71%18.1

RS 6M

-28%15.4

SMA 50/200

0.86x7.8

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

-11%14.9

Q Growth

-32%11.3

FUNDAMENTALS

Market Cap

$152.2B

P/E (Forward)

8.0x

Gross Margin

56.9%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of 601628.SS are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
601628.SS	China Life Insurance Company Limited(you)	$152.2B	44	HOLD
MET	MetLife, Inc.	$56.1B	42	HOLD
601318.SS	Ping An Insurance (Group) Company of China, Ltd.	$139.1B	65	BUY
2882.TW	Cathay Financial Holding Co., Ltd.	$52.4B	40	HOLD
601601.SS	China Pacific Insurance (Group) Co., Ltd.	$44.9B	39	HOLD
1299.HK	AIA Group Limited	$97.6B	68	BUY
PRU	Prudential Financial, Inc.	$37.7B	49	HOLD
8750.T	Daiichi Life Group, Inc.	$40.9B	53	HOLD
PUK	Prudential plc	$33.6B	38	HOLD
601336.SS	New China Life Insurance Company Ltd.	$29.2B	53	HOLD

Peer medians: ROE 10.1% · P/E 12.6x · Gross margin 19.2%

China Life Insurance Company Limited (601628.SS) — Stock Score Summary

China Life Insurance Company Limited (601628.SS) has a MoatMap StockRank of 44/100 based on Quality (61/100), Value (60/100), and Momentum (14/100) factor scores. The current signal is HOLD. China Life Insurance is a massive state-owned financial institution with low agility and significant exposure to the troubled Chinese real estate debt market, offering no thematic upside.

Key Financial Metrics

Price	$5.41
Market Cap	$152.2B
P/E (TTM)	7.14
P/E (Forward)	8.01
Price/Book	1.73
Return on Equity	25.5%
Debt/Equity	45.08
Gross Margin	56.9%
Operating Margin	38.1%
Revenue Growth	-15.2%
Dividend Yield	2.4%
Free Cash Flow	$10.8B

China Life Insurance Company Limited operates in the Insurance - Life industry, part of the Financial Services sector (China).

Frequently Asked Questions

What is China Life Insurance Company Limited’s (601628.SS) StockRank?: MoatMap’s StockRank for China Life Insurance Company Limited (601628.SS) is 44/100, with a Hold signal. It is a composite of Quality (61), Value (60), and Momentum (14) factor ranks across MoatMap’s 20,000+ stock universe.
Does China Life Insurance Company Limited have an economic moat?: China Life Insurance Company Limited (601628.SS) has a Quality factor score of 61/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is China Life Insurance Company Limited a buy, hold, or sell?: MoatMap’s current signal for China Life Insurance Company Limited (601628.SS) is Hold, based on a StockRank of 44/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is China Life Insurance Company Limited in?: China Life Insurance Company Limited (601628.SS) operates in the Financial Services sector, specifically the Insurance - Life industry (China).