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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.
FRA:75C'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.03 Med: 0.06 Max: 0.15
Current: 0.08
During the past 13 years, the highest Debt-to-Equity Ratio of China Pacific Insurance (Group) Co was 0.15. The lowest was 0.03. And the median was 0.06.
FRA:75C's Debt-to-Equity is ranked better than 71.29% of 404
companies
in the Insurance industry
Industry Median: 0.21
vs FRA:75C: 0.08
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 Pacific Insurance (Group) Co Debt-to-Equity Related Terms
China Pacific Insurance (Group) 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.
China Pacific Insurance (Group) Co Debt-to-Equity Chart
FRA:75C vs AFL, MET, PRU: Debt-to-Equity Comparison
For the Insurance - Life subindustry, China Pacific Insurance (Group) 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 Pacific Insurance (Group) Co Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, China Pacific Insurance (Group) Co's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where China Pacific Insurance (Group) 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 Pacific Insurance (Group) Co (FRA:75C) has a Debt-to-Equity of 0.08 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on China Pacific Insurance (Group) Co and its competitors. This is 33% above median its historical median of 0.06. Over the past decade, China Pacific Insurance (Group) Co's Debt-to-Equity has ranged from 0.03 to 0.15. According to the industry distribution chart, China Pacific Insurance (Group) Co ranks #116 out of 404 companies in the Insurance industry, placing it in the top 28.7%.
Is China Pacific Insurance (Group) Co's Debt-to-Equity too high?
China Pacific Insurance (Group) Co's current Debt-to-Equity of 0.08 is 33% above median its 10-year median of 0.06. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.15. The Insurance industry median Debt-to-Equity is 0.21. China Pacific Insurance (Group) Co's value of 0.08 is 61.9% below this industry median. Based on the distribution chart, China Pacific Insurance (Group) Co ranks #116 out of 404 companies in the Insurance industry, which is above the industry midpoint. Overall, China Pacific Insurance (Group) Co has a GF Score™ of 68/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does China Pacific Insurance (Group) Co's Debt-to-Equity compare to AFL and MET?
According to the Insurance industry distribution chart, China Pacific Insurance (Group) Co ranks #116 out of 404 companies for Debt-to-Equity. This puts China Pacific Insurance (Group) Co in the upper half of its industry. The industry median Debt-to-Equity is 0.21. China Pacific Insurance (Group) Co's value of 0.08 is 61.9% below this benchmark. Historically, China Pacific Insurance (Group) Co's own Debt-to-Equity has ranged from 0.03 to 0.15 over the past decade. While the company's 10-year median is 0.06 vs. the industry median of 0.21, China Pacific Insurance (Group) 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 0.21, based on 404 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 Pacific Insurance (Group) Co's current Debt-to-Equity of 0.08 is 61.9% 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 Pacific Insurance (Group) Co and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. China Pacific Insurance (Group) Co's current Debt-to-Equity is 0.08, which is 33% above median its own 10-year median of 0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Pacific Insurance (Group) Co stock overvalued right now?
Based on GuruFocus' analysis, China Pacific Insurance (Group) Co (FRA:75C) is currently considered Modestly Undervalued. The stock's GF Value™ is €4.15, compared to a current price of €3.16 — trading 23.9% below its estimated fair value. The current Debt-to-Equity is 0.08, which is 33% above median its 10-year median of 0.06 and 61.9% below the Insurance industry median of 0.21. China Pacific Insurance (Group) Co's overall GF Score™ is 68/100. 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 Pacific Insurance (Group) Co (FRA:75C), the current Debt-to-Equity is 0.08 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 Pacific Insurance (Group) Co (FRA:75C) Overvalued in 2026?
Based on GuruFocus' analysis, China Pacific Insurance (Group) Co stock appears to be undervalued.
The current stock price of €3.16 is trading 23.9% below its estimated GF Value™ of €4.15.
GuruFocus considers China Pacific Insurance (Group) Co to be Modestly Undervalued.
Key valuation signals for FRA:75C:
Debt-to-Equity: 0.08 (33% above median its 10-year median of 0.06)
GF Value™: €4.15 vs. price of €3.16 (23.9% below fair value)
Industry Position: 61.9% below the Insurance median (#116 of 404)
No single metric tells the full story. See the FRA:75C stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Established in 1988, China Pacific Insurance is China's third-largest life insurer and third-largest general property and casualty insurer, with headquarters in Beijing. The company strives to create an integrated financial services platform that encompasses insurance, banking, and asset management. CPIC's major shareholders are state-owned companies related to the Shanghai government.
68GF Score
Get the complete analysis for FRA:75C
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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