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China Life Insurance CoCILJF +1.45%63 Debt-to-Equity is 0.06 as of Mar. 2026, which is 45% below its 10-year median of 0.11. 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. Among 406 Insurance companies, China Life Insurance Co ranks better than 74.88% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for China Life Insurance Co's Debt-to-Equity or its related term are showing as below:
CILJF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.03 Med: 0.11 Max: 0.27
Current: 0.06
During the past 13 years, the highest Debt-to-Equity Ratio of China Life Insurance Co was 0.27. The lowest was 0.03. And the median was 0.11.
CILJF's Debt-to-Equity is ranked better than 74.88% of 406
companies
in the Insurance industry
Industry Median: 0.2
vs CILJF: 0.06
China Life Insurance Co (OTCPK:CILJF) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
China Life Insurance Co Debt-to-Equity Related Terms
China Life Insurance Co Debt-to-Equity Historical Data
* 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.
For the Insurance - Life subindustry, China Life Insurance Co's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, China Life Insurance Co's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where China Life Insurance Co's Debt-to-Equity falls into.
* 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 (CILJF) has a Debt-to-Equity of 0.06 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on China Life Insurance Co and its competitors. This is 45% below median its historical median of 0.11. Over the past decade, China Life Insurance Co's Debt-to-Equity has ranged from 0.03 to 0.27. According to the industry distribution chart, China Life Insurance Co ranks #102 out of 406 companies in the Insurance industry, placing it in the top 25.1%.
Is China Life Insurance Co's Debt-to-Equity too high?
China Life Insurance Co's current Debt-to-Equity of 0.06 is 45% below median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.27. The Insurance industry median Debt-to-Equity is 0.20. China Life Insurance Co's value of 0.06 is 70% below this industry median. Based on the distribution chart, China Life Insurance Co ranks #102 out of 406 companies in the Insurance industry, which is above the industry midpoint. 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 Debt-to-Equity compare to AFL and MET?
According to the Insurance industry distribution chart, China Life Insurance Co ranks #102 out of 406 companies for Debt-to-Equity. This puts China Life Insurance Co in the upper half of its industry. The industry median Debt-to-Equity is 0.20. China Life Insurance Co's value of 0.06 is 70% below this benchmark. Historically, China Life Insurance Co's own Debt-to-Equity has ranged from 0.03 to 0.27 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 0.20, 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 Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 406 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. China Life Insurance Co's current Debt-to-Equity of 0.06 is 70% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on China Life Insurance Co and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. China Life Insurance Co's current Debt-to-Equity is 0.06, which is 45% below median its own 10-year median of 0.11. 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 Debt-to-Equity is 0.06, which is 45% below median its 10-year median of 0.11 and 70% below the Insurance industry median of 0.20. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For China Life Insurance Co (CILJF), the current Debt-to-Equity is 0.06 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:
Debt-to-Equity: 0.06 (45% below median its 10-year median of 0.11)
GF Value™: $3.96 vs. price of $3.49 (11.9% below fair value)
Industry Position: 70% below the Insurance median (#102 of 406)
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.
63GF Score
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