CILJF (China Life Insurance Co) Cyclically Adjusted FCF per Share: $0.93 (As of Mar. 2026)

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CILJF China Life Insurance Co Ltd CILJF
63 GF Score
Price $3.49
GF Value $3.96
Valuation Modestly Undervalued
! 1 Warning Sign
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What is China Life Insurance Co Cyclically Adjusted FCF per Share?

China Life Insurance Co CILJF +1.45% 63 Cyclically Adjusted FCF per Share is $0.93 as of Mar. 2026. GuruFocus rates CILJF with a GF Score™ of 63/100 and a GF Value™ of $3.96 (Modestly Undervalued). The stock has 1 warning sign investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

China Life Insurance Co's adjusted free cash flow per share for the three months ended in Mar. 2026 was $0.897. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $0.93 for the trailing ten years ended in Mar. 2026.

During the past 12 months, China Life Insurance Co's average Cyclically Adjusted FCF Growth Rate was 19.30% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 16.10% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 14.40% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 9.60% 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 Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of China Life Insurance Co was 16.10% per year. The lowest was 2.40% per year. And the median was 9.50% per year.

As of today (2026-07-22), China Life Insurance Co's current stock price is $3.49. China Life Insurance Co's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $0.93. China Life Insurance Co's Cyclically Adjusted Price-to-FCF of today is 3.75.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of China Life Insurance Co was 9.69. The lowest was 3.01. And the median was 5.31.


China Life Insurance Co  (OTCPK:CILJF) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

China Life Insurance Co's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=3.49/0.93
=3.75

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of China Life Insurance Co was 9.69. The lowest was 3.01. And the median was 5.31.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


China Life Insurance Co Cyclically Adjusted FCF per Share Related Terms


China Life Insurance Co Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for China Life Insurance Co's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

China Life Insurance Co Cyclically Adjusted FCF per Share Chart

China Life Insurance Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.31 0.30 0.34 0.38 0.78

China Life Insurance Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.47 0.56 0.70 0.78 0.93

CILJF vs AFL, MET, PRU: Cyclically Adjusted FCF per Share Comparison

For the Insurance - Life subindustry, China Life Insurance Co's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Insurance Industry

For the Insurance industry and Financial Services sector, China Life Insurance Co's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where China Life Insurance Co's Cyclically Adjusted Price-to-FCF falls into.


CILJF
63GF Score
China Life Insurance Co Ltd CILJF
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

China Life Insurance Co Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, China Life Insurance Co's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.897/116.3033*116.3033
=0.897

Current CPI (Mar. 2026) = 116.3033.

China Life Insurance Co Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -0.075 101.400 -0.086
201609 0.126 102.400 0.143
201612 0.364 102.600 0.413
201703 0.515 103.200 0.580
201706 0.188 103.100 0.212
201709 0.180 104.100 0.201
201712 0.097 104.500 0.108
201803 0.115 105.300 0.127
201806 0.086 104.900 0.095
201809 0.147 106.600 0.160
201812 0.297 106.500 0.324
201903 0.579 107.700 0.625
201906 0.189 107.700 0.204
201909 0.267 109.800 0.283
201912 0.367 111.200 0.384
202003 0.618 112.300 0.640
202006 0.277 110.400 0.292
202009 0.287 111.700 0.299
202012 0.334 111.500 0.348
202103 0.869 112.662 0.897
202106 0.198 111.769 0.206
202109 0.260 112.215 0.269
202112 0.209 113.108 0.215
202203 0.976 114.335 0.993
202206 0.357 114.558 0.362
202209 0.231 115.339 0.233
202212 0.317 115.116 0.320
202303 0.905 115.116 0.914
202306 0.356 114.558 0.361
202309 0.365 115.339 0.368
202312 0.283 114.781 0.287
202403 0.894 115.227 0.902
202406 0.465 114.781 0.471
202409 0.333 115.785 0.334
202412 0.149 114.893 0.151
202503 0.931 115.116 0.941
202506 0.534 114.907 0.540
202509 0.493 115.471 0.497
202512 0.294 115.832 0.295
202603 0.897 116.303 0.897

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $0.93 mean?
China Life Insurance Co (CILJF) has a Cyclically Adjusted FCF per Share of $0.93 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on China Life Insurance Co and its competitors.
Is China Life Insurance Co's Cyclically Adjusted FCF per Share too high?
China Life Insurance Co's current Cyclically Adjusted FCF per Share is $0.93. Overall, China Life Insurance Co has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does China Life Insurance Co's Cyclically Adjusted FCF per Share compare to AFL and MET?
China Life Insurance Co's Cyclically Adjusted FCF per Share of $0.93 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for an Insurance company?
A good Cyclically Adjusted FCF per Share depends on the Insurance industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on China Life Insurance Co and its competitors. China Life Insurance Co's current Cyclically Adjusted FCF per Share is $0.93. 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 $3.96, compared to a current price of $3.49 — trading 11.9% below its estimated fair value. The current Cyclically Adjusted FCF per Share is $0.93. China Life Insurance Co's overall GF Score™ is 63/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For China Life Insurance Co (CILJF), the current Cyclically Adjusted FCF per Share is $0.93 as of Mar. 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 $3.49 is trading 11.9% below its estimated GF Value™ of $3.96. GuruFocus considers China Life Insurance Co to be Modestly Undervalued.

Key valuation signals for CILJF:

  • Cyclically Adjusted FCF per Share: $0.93
  • GF Value™: $3.96 vs. price of $3.49 (11.9% below fair value)
  • GF Score™: 63/100 with 1 warning sign

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.


China Life Insurance Co Business Description

Address 16, Financial Street, Xicheng District, Beijing, CHN, 100033
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.
63GF Score

Get the complete analysis for CILJF

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$3.49
Price
$3.96
GF Value