CILJF (China Life Insurance Co) E10: $0.18 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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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
View Full Analysis

What is China Life Insurance Co E10?

China Life Insurance Co CILJF +1.45% 63 E10 is $0.18 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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

China Life Insurance Co's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.100. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.18 for the trailing ten years ended in Mar. 2026.

During the past 12 months, China Life Insurance Co's average E10 Growth Rate was 24.90% per year. During the past 3 years, the average E10 Growth Rate was 16.00% per year. During the past 5 years, the average E10 Growth Rate was 12.10% per year. During the past 10 years, the average E10 Growth Rate was 6.60% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of China Life Insurance Co was 16.00% per year. The lowest was -1.30% per year. And the median was 7.05% per year.

As of today (2026-07-22), China Life Insurance Co's current stock price is $3.49. China Life Insurance Co's E10 for the quarter that ended in Mar. 2026 was $0.18. China Life Insurance Co's Shiller PE Ratio of today is 19.39.

During the past 13 years, the highest Shiller PE Ratio of China Life Insurance Co was 43.54. The lowest was 15.55. And the median was 24.70.


China Life Insurance Co  (OTCPK:CILJF) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

China Life Insurance Co's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=3.49/0.18
=19.39

* 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 Shiller P/E Ratio of China Life Insurance Co was 43.54. The lowest was 15.55. And the median was 24.70.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


China Life Insurance Co E10 Related Terms


China Life Insurance Co E10 Historical Data

* Premium members only.

The historical data trend for China Life Insurance Co's E10 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 E10 Chart

China Life Insurance Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.07 0.06 0.06 0.07 0.16

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
E10 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 0.09 0.10 0.15 0.16 0.18

CILJF vs AFL, MET, PRU: E10 Comparison

For the Insurance - Life subindustry, China Life Insurance Co's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, China Life Insurance Co's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where China Life Insurance Co's Shiller PE Ratio falls into.


CILJF
63GF Score
China Life Insurance Co Ltd CILJF
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

China Life Insurance Co E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.1/116.3033*116.3033
=0.100

Current CPI (Mar. 2026) = 116.3033.

China Life Insurance Co Quarterly Data

per share eps CPI Adj_EPS
201606 0.027 101.400 0.031
201609 0.016 102.400 0.018
201612 0.027 102.600 0.031
201703 0.030 103.200 0.034
201706 0.032 103.100 0.036
201709 0.078 104.100 0.087
201712 0.029 104.500 0.032
201803 0.076 105.300 0.084
201806 0.014 104.900 0.016
201809 0.018 106.600 0.020
201812 -0.044 106.500 -0.048
201903 0.137 107.700 0.148
201906 0.058 107.700 0.063
201909 0.100 109.800 0.106
201912 0.003 111.200 0.003
202003 0.085 112.300 0.088
202006 0.066 110.400 0.070
202009 0.087 111.700 0.091
202012 0.017 111.500 0.018
202103 0.155 112.662 0.160
202106 0.068 111.769 0.071
202109 0.042 112.215 0.044
202112 0.013 113.108 0.013
202203 0.085 114.335 0.086
202206 0.054 114.558 0.055
202209 0.028 115.339 0.028
202212 0.006 115.116 0.006
202303 0.118 115.116 0.119
202306 0.057 114.558 0.058
202309 0.018 115.339 0.018
202312 0.064 114.781 0.065
202403 0.101 115.227 0.102
202406 0.085 114.781 0.086
202409 0.332 115.785 0.333
202412 0.011 114.893 0.011
202503 0.141 115.116 0.142
202506 0.060 114.907 0.061
202509 0.630 115.471 0.635
202512 -0.070 115.832 -0.070
202603 0.100 116.303 0.100

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $0.18 mean?
China Life Insurance Co (CILJF) has a E10 of $0.18 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on China Life Insurance Co and its competitors.
Is China Life Insurance Co's E10 too high?
China Life Insurance Co's current E10 is $0.18. 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 E10 compare to AFL and MET?
China Life Insurance Co's E10 of $0.18 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 E10 for an Insurance company?
A good E10 depends on the Insurance industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on China Life Insurance Co and its competitors. China Life Insurance Co's current E10 is $0.18. 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 E10 is $0.18. 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 E10 calculated?
E10 is calculated from a company's financial statements. For China Life Insurance Co (CILJF), the current E10 is $0.18 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:

  • E10: $0.18
  • 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

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$3.49
Price
$3.96
GF Value