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China Life Insurance CoCILJF +1.45%63 Equity-to-Asset is 0.08 as of Mar. 2026, which is 20% below its 10-year median of 0.10. 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 505 Insurance companies, China Life Insurance Co ranks worse than 81.39% on this metric.
The historical rank and industry rank for China Life Insurance Co's Equity-to-Asset or its related term are showing as below:
CILJF'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06 Med: 0.1 Max: 0.12
Current: 0.08
During the past 13 years, the highest Equity to Asset Ratio of China Life Insurance Co was 0.12. The lowest was 0.06. And the median was 0.10.
CILJF's Equity-to-Asset is ranked worse than 81.39% of 505
companies
in the Insurance industry
Industry Median: 0.26
vs CILJF: 0.08
China Life Insurance Co (OTCPK:CILJF) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
China Life Insurance Co Equity-to-Asset Related Terms
China Life Insurance Co Equity-to-Asset 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.
CILJF vs AFL, MET, PRU: Equity-to-Asset Comparison
For the Insurance - Life subindustry, China Life Insurance Co's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, China Life Insurance Co's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where China Life Insurance Co's Equity-to-Asset falls into.
China Life Insurance Co Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
China Life Insurance Co's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.08 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on China Life Insurance Co and its competitors. This is 20% below median its historical median of 0.10. Over the past decade, China Life Insurance Co's Equity-to-Asset has ranged from 0.06 to 0.12. According to the industry distribution chart, China Life Insurance Co ranks #411 out of 505 companies in the Insurance industry, placing it in the top 81.4%.
Is China Life Insurance Co's Equity-to-Asset too high?
China Life Insurance Co's current Equity-to-Asset of 0.08 is 20% below median its 10-year median of 0.10. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.12. The Insurance industry median Equity-to-Asset is 0.26. China Life Insurance Co's value of 0.08 is 69.2% below this industry median. Based on the distribution chart, China Life Insurance Co ranks #411 out of 505 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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 Equity-to-Asset compare to AFL and MET?
According to the Insurance industry distribution chart, China Life Insurance Co ranks #411 out of 505 companies for Equity-to-Asset. This places China Life Insurance Co in the lower half of its industry. The industry median Equity-to-Asset is 0.26. China Life Insurance Co's value of 0.08 is 69.2% below this benchmark. Historically, China Life Insurance Co's own Equity-to-Asset has ranged from 0.06 to 0.12 over the past decade. While the company's 10-year median is 0.10 vs. the industry median of 0.26, 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. China Life Insurance Co's current Equity-to-Asset of 0.08 is 69.2% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on China Life Insurance Co and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. China Life Insurance Co's current Equity-to-Asset is 0.08, which is 20% below median its own 10-year median of 0.10. 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 Equity-to-Asset is 0.08, which is 20% below median its 10-year median of 0.10 and 69.2% below the Insurance industry median of 0.26. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For China Life Insurance Co (CILJF), the current Equity-to-Asset 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 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:
Equity-to-Asset: 0.08 (20% below median its 10-year median of 0.10)
GF Value™: $3.96 vs. price of $3.49 (11.9% below fair value)
Industry Position: 69.2% below the Insurance median (#411 of 505)
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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