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The People's Insurance Co (Group) of ChinaPINXF 54 3-Year EBITDA Growth Rate is 15.50% as of Dec. 2025, which is 97% above its 10-year median of 7.85. GuruFocus rates PINXF with a GF Score™ of 54/100 and a GF Value™ of $0.54 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 291 Insurance companies, The People's Insurance Co (Group) of China ranks worse than 51.55% on this metric.
During the past 12 months, The People's Insurance Co (Group) of China's average EBITDA Per Share Growth Rate was 10.40% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 15.50% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 11.90% per year.
During the past 10 years, the average EBITDA Per Share Growth Rate was 6.40% 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 EBITDA per share growth rate.
During the past 13 years, the highest 3-Year average EBITDA Per Share Growth Rate of The People's Insurance Co (Group) of China was 24.60% per year. The lowest was -5.90% per year. And the median was 7.85% per year.
The People's Insurance Co (Group) of China (OTCPK:PINXF) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
The People's Insurance Co (Group) of China 3-Year EBITDA Growth Rate Related Terms
PINXF vs CB, PGR, TRV: 3-Year EBITDA Growth Rate Comparison
For the Insurance - Property & Casualty subindustry, The People's Insurance Co (Group) of China's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA 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.
The People's Insurance Co (Group) of China 3-Year EBITDA Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, The People's Insurance Co (Group) of China's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where The People's Insurance Co (Group) of China's 3-Year EBITDA Growth Rate falls into.
The People's Insurance Co (Group) of China 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA 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 EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 15.50% mean?
The People's Insurance Co (Group) of China (PINXF) has a 3-Year EBITDA Growth Rate of 15.50% as of Dec. 2025. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for The People's Insurance Co (Group) of China and its competitors. This is 97% above median its historical median of 7.85. According to the industry distribution chart, The People's Insurance Co (Group) of China ranks #150 out of 291 companies in the Insurance industry, placing it in the top 51.5%.
Is The People's Insurance Co (Group) of China's 3-Year EBITDA Growth Rate too high?
The People's Insurance Co (Group) of China's current 3-Year EBITDA Growth Rate of 15.50% is 97% above median its 10-year median of 7.85. The Insurance industry median 3-Year EBITDA Growth Rate is 16.50. The People's Insurance Co (Group) of China's value of 15.50% is 6.1% below this industry median. Based on the distribution chart, The People's Insurance Co (Group) of China ranks #150 out of 291 companies in the Insurance industry, which is below the industry midpoint. Overall, The People's Insurance Co (Group) of China has a GF Score™ of 54/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The People's Insurance Co (Group) of China's 3-Year EBITDA Growth Rate compare to CB and PGR?
According to the Insurance industry distribution chart, The People's Insurance Co (Group) of China ranks #150 out of 291 companies for 3-Year EBITDA Growth Rate. This places The People's Insurance Co (Group) of China in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 16.50. The People's Insurance Co (Group) of China's value of 15.50% is 6.1% below this benchmark. While the company's 10-year median is 7.85 vs. the industry median of 16.50, The People's Insurance Co (Group) of China 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 EBITDA Growth Rate for an Insurance company?
The median 3-Year EBITDA Growth Rate among Insurance companies is 16.50, based on 291 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The People's Insurance Co (Group) of China's current 3-Year EBITDA Growth Rate of 15.50% is 6.1% 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 EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for The People's Insurance Co (Group) of China and its competitors. For the Insurance industry, the median 3-Year EBITDA Growth Rate is 16.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The People's Insurance Co (Group) of China's current 3-Year EBITDA Growth Rate is 15.50%, which is 97% above median its own 10-year median of 7.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The People's Insurance Co (Group) of China stock overvalued right now?
Based on GuruFocus' analysis, The People's Insurance Co (Group) of China (PINXF) is currently considered Modestly Overvalued. The stock's GF Value™ is $0.54, compared to a current price of $0.68 — trading 25.9% above its estimated fair value. The current 3-Year EBITDA Growth Rate is 15.50%, which is 97% above median its 10-year median of 7.85 and 6.1% below the Insurance industry median of 16.50. The People's Insurance Co (Group) of China's overall GF Score™ is 54/100 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 EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For The People's Insurance Co (Group) of China (PINXF), the current 3-Year EBITDA Growth Rate is 15.50% as of Dec. 2025. 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 The People's Insurance Co (Group) of China (PINXF) Overvalued in 2026?
Based on GuruFocus' analysis, The People's Insurance Co (Group) of China stock appears to be overvalued.
The current stock price of $0.68 is trading 25.9% above its estimated GF Value™ of $0.54.
GuruFocus considers The People's Insurance Co (Group) of China to be Modestly Overvalued.
Key valuation signals for PINXF:
3-Year EBITDA Growth Rate: 15.50% (97% above median its 10-year median of 7.85)
GF Value™: $0.54 vs. price of $0.68 (25.9% above fair value)
Industry Position: 6.1% below the Insurance median (#150 of 291)
No single metric tells the full story. See the PINXF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PICC Group, headquartered in Beijing, is the largest state-owned insurance group in China. It holds a 69% stake in PICC Property and Casualty, an 80% stake in PICC Life, and a 69% stake in PICC Health Insurance. The P&C subsidiary is the largest nonlife insurer in the country, with approximately one-third of market share. The life insurance and health insurance subsidiaries hold less than 5% market share. The Ministry of Finance is the largest shareholder with a 61% stake, while China's Social Security Fund is the second-largest shareholder, holding nearly 13%.
54GF Score
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3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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