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China Life Insurance CoCILJF 63 EV-to-OCF is 2.17 as of Jul. 22, 2026, which is 23% below its 10-year median of 2.80. 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 504 Insurance companies, China Life Insurance Co ranks better than 70.04% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, China Life Insurance Co's Enterprise Value is $136,694 Mil.
China Life Insurance Co's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $62,967 Mil. Therefore, China Life Insurance Co's EV-to-OCF for today is 2.17.
The historical rank and industry rank for China Life Insurance Co's EV-to-OCF or its related term are showing as below:
CILJF'
s EV-to-OCF Range Over the Past 10 Years
Min: -16.89 Med: 2.8 Max: 8.72
Current: 2.17
During the past 13 years, the highest EV-to-OCF of China Life Insurance Co was 8.72. The lowest was -16.89. And the median was 2.80.
CILJF's EV-to-OCF is ranked better than 70.04% of 504
companies
in the Insurance industry
Industry Median: 6.785
vs CILJF: 2.17
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
China Life Insurance Co (OTCPK:CILJF) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
China Life Insurance Co's PE Ratio (TTM) for today is calculated as:
China Life Insurance Co's share price for today is $3.49.
China Life Insurance Co's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.720.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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 EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, China Life Insurance Co's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where China Life Insurance Co's EV-to-OCF falls into.
China Life Insurance Co's current Enterprise Value is $136,694 Mil.
China Life Insurance Co's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $62,967 Mil.
* 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 EV-to-OCF of 2.17 as of Jul. 22, 2026. This is 23% below median its historical median of 2.80. According to the industry distribution chart, China Life Insurance Co ranks #151 out of 504 companies in the Insurance industry, placing it in the top 30%.
Is China Life Insurance Co's EV-to-OCF too high?
China Life Insurance Co's current EV-to-OCF of 2.17 is 23% below median its 10-year median of 2.80. The Insurance industry median EV-to-OCF is 6.79. China Life Insurance Co's value of 2.17 is 68% below this industry median. Based on the distribution chart, China Life Insurance Co ranks #151 out of 504 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 EV-to-OCF compare to AFL and MET?
According to the Insurance industry distribution chart, China Life Insurance Co ranks #151 out of 504 companies for EV-to-OCF. This puts China Life Insurance Co in the upper half of its industry. The industry median EV-to-OCF is 6.79. China Life Insurance Co's value of 2.17 is 68% below this benchmark. While the company's 10-year median is 2.80 vs. the industry median of 6.79, 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 EV-to-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.79, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. China Life Insurance Co's current EV-to-OCF of 2.17 is 68% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.79 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. China Life Insurance Co's current EV-to-OCF is 2.17, which is 23% below median its own 10-year median of 2.80. 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 EV-to-OCF is 2.17, which is 23% below median its 10-year median of 2.80 and 68% below the Insurance industry median of 6.79. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For China Life Insurance Co (CILJF), the current EV-to-OCF is 2.17 as of Jul. 22, 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:
EV-to-OCF: 2.17 (23% below median its 10-year median of 2.80)
GF Value™: $3.96 vs. price of $3.49 (11.9% below fair value)
Industry Position: 68% below the Insurance median (#151 of 504)
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
Get the complete analysis for CILJF
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