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China Life Insurance CoCILJF +1.17%66 3-Year FCF Growth Rate is 9.20% as of Jun. 2026, which is at its 10-year median of 9.20. GuruFocus rates CILJF with a GF Score™ of 66/100 and a GF Value™ of $4.51 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 340 Insurance companies, China Life Insurance Co ranks worse than 57.35% on this metric.
During the past 12 months, China Life Insurance Co's average Free Cash Flow per Share Growth Rate was 11.00% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 9.20% per year.
During the past 5 years, the average Free Cash Flow per Share Growth Rate was 9.30% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
During the past 13 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of China Life Insurance Co was 49.50% per year. The lowest was -28.00% per year. And the median was 9.20% per year.
China Life Insurance Co (OTCPK:CILJF) 3-Year FCF Growth Rate Explanation
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
China Life Insurance Co 3-Year FCF Growth Rate Related Terms
CILJF vs MET, AFL, PRU: 3-Year FCF Growth Rate Comparison
For the Insurance - Life subindustry, China Life Insurance Co's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
China Life Insurance Co 3-Year FCF Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, China Life Insurance Co's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where China Life Insurance Co's 3-Year FCF Growth Rate falls into.
China Life Insurance Co 3-Year FCF Growth Rate Calculation
This is the 3-year average growth rate of Free Cash Flow per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
China Life Insurance Co (CILJF) has a 3-Year FCF Growth Rate of 9.20% as of Jun. 2026. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for China Life Insurance Co and its competitors. This is near median its historical median of 9.20. According to the industry distribution chart, China Life Insurance Co ranks #195 out of 340 companies in the Insurance industry, placing it in the top 57.4%.
Is China Life Insurance Co's 3-Year FCF Growth Rate too high?
China Life Insurance Co's current 3-Year FCF Growth Rate of 9.20% is near median its 10-year median of 9.20. The Insurance industry median 3-Year FCF Growth Rate is 12.50. China Life Insurance Co's value of 9.20% is 26.4% below this industry median. Based on the distribution chart, China Life Insurance Co ranks #195 out of 340 companies in the Insurance industry, which is below the industry midpoint. Overall, China Life Insurance Co has a GF Score™ of 66/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does China Life Insurance Co's 3-Year FCF Growth Rate compare to MET and AFL?
According to the Insurance industry distribution chart, China Life Insurance Co ranks #195 out of 340 companies for 3-Year FCF Growth Rate. This places China Life Insurance Co in the lower half of its industry. The industry median 3-Year FCF Growth Rate is 12.50. China Life Insurance Co's value of 9.20% is 26.4% below this benchmark. While the company's 10-year median is 9.20 vs. the industry median of 12.50, China Life Insurance Co has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year FCF Growth Rate for an Insurance company?
The median 3-Year FCF Growth Rate among Insurance companies is 12.50, based on 340 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. China Life Insurance Co's current 3-Year FCF Growth Rate of 9.20% is 26.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for China Life Insurance Co and its competitors. For the Insurance industry, the median 3-Year FCF Growth Rate is 12.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. China Life Insurance Co's current 3-Year FCF Growth Rate is 9.20%, which is near median its own 10-year median of 9.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Life Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, China Life Insurance Co (CILJF) is currently considered Modestly Undervalued. The stock's GF Value™ is $4.51, compared to a current price of $3.89 — trading 13.7% below its estimated fair value. The current 3-Year FCF Growth Rate is 9.20%, which is near median its 10-year median of 9.20 and 26.4% below the Insurance industry median of 12.50. China Life Insurance Co's overall GF Score™ is 66/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For China Life Insurance Co (CILJF), the current 3-Year FCF Growth Rate is 9.20% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is China Life Insurance Co (CILJF) Overvalued in 2026?
Based on GuruFocus' analysis, China Life Insurance Co stock appears to be undervalued.
The current stock price of $3.89 is trading 13.7% below its estimated GF Value™ of $4.51.
GuruFocus considers China Life Insurance Co to be Modestly Undervalued.
Key valuation signals for CILJF:
3-Year FCF Growth Rate: 9.20% (near median its 10-year median of 9.20)
GF Value™: $4.51 vs. price of $3.89 (13.7% below fair value)
Industry Position: 26.4% below the Insurance median (#195 of 340)
No single metric tells the full story. See the CILJF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
As the largest life insurance company in China, China Life commands about 16% market share by end-2024. The firm offers group and individual life insurance through exclusive agents, bancassurance, and other marketing platforms. While the bulk of profits stem from life insurance policies, additional operations include short-term policies such as accident and health insurance. The company is focusing on building a senior-care ecosystem and reforming a new agent team for long-term growth.
66GF Score
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