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PICC Property and Casualty CoFRA:PJC +2.52%85 Equity-to-Asset is 0.33 as of Dec. 2025, which is 6% above its 10-year median of 0.31. GuruFocus rates FRA:PJC with a GF Score™ of 85/100 and a GF Value™ of €1.44 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 508 Insurance companies, PICC Property and Casualty Co ranks better than 64.37% on this metric.
PICC Property and Casualty Co (FRA:PJC) 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%.
PICC Property and Casualty Co Equity-to-Asset Related Terms
PICC Property and Casualty 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.
PICC Property and Casualty Co Equity-to-Asset Chart
FRA:PJC vs CB, PGR, TRV: Equity-to-Asset Comparison
For the Insurance - Property & Casualty subindustry, PICC Property and Casualty 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.
PICC Property and Casualty Co Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, PICC Property and Casualty Co's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where PICC Property and Casualty Co's Equity-to-Asset falls into.
PICC Property and Casualty 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.
* 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.
PICC Property and Casualty Co (FRA:PJC) has a Equity-to-Asset of 0.33 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on PICC Property and Casualty Co and its competitors. This is near median its historical median of 0.31. Over the past decade, PICC Property and Casualty Co's Equity-to-Asset has ranged from 0.25 to 0.34. According to the industry distribution chart, PICC Property and Casualty Co ranks #181 out of 508 companies in the Insurance industry, placing it in the top 35.6%.
Is PICC Property and Casualty Co's Equity-to-Asset too high?
PICC Property and Casualty Co's current Equity-to-Asset of 0.33 is near median its 10-year median of 0.31. Over the past 10 years, this metric has ranged from a low of 0.25 to a high of 0.34. The Insurance industry median Equity-to-Asset is 0.26. PICC Property and Casualty Co's value of 0.33 is 26.9% above this industry median. Based on the distribution chart, PICC Property and Casualty Co ranks #181 out of 508 companies in the Insurance industry, which is above the industry midpoint. Overall, PICC Property and Casualty Co has a GF Score™ of 85/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PICC Property and Casualty Co's Equity-to-Asset compare to CB and PGR?
According to the Insurance industry distribution chart, PICC Property and Casualty Co ranks #181 out of 508 companies for Equity-to-Asset. This puts PICC Property and Casualty Co in the upper half of its industry. The industry median Equity-to-Asset is 0.26. PICC Property and Casualty Co's value of 0.33 is 26.9% above this benchmark. Historically, PICC Property and Casualty Co's own Equity-to-Asset has ranged from 0.25 to 0.34 over the past decade. While the company's 10-year median is 0.31 vs. the industry median of 0.26, PICC Property and Casualty Co has consistently been above 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 508 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. PICC Property and Casualty Co's current Equity-to-Asset of 0.33 is 26.9% above 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 PICC Property and Casualty 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. PICC Property and Casualty Co's current Equity-to-Asset is 0.33, which is near median its own 10-year median of 0.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PICC Property and Casualty Co stock overvalued right now?
Based on GuruFocus' analysis, PICC Property and Casualty Co (FRA:PJC) is currently considered Modestly Overvalued. The stock's GF Value™ is €1.44, compared to a current price of €1.71 — trading 18.8% above its estimated fair value. The current Equity-to-Asset is 0.33, which is near median its 10-year median of 0.31 and 26.9% above the Insurance industry median of 0.26. PICC Property and Casualty Co's overall GF Score™ is 85/100 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 PICC Property and Casualty Co (FRA:PJC), the current Equity-to-Asset is 0.33 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 PICC Property and Casualty Co (FRA:PJC) Overvalued in 2026?
Based on GuruFocus' analysis, PICC Property and Casualty Co stock appears to be overvalued.
The current stock price of €1.71 is trading 18.8% above its estimated GF Value™ of €1.44.
GuruFocus considers PICC Property and Casualty Co to be Modestly Overvalued.
Key valuation signals for FRA:PJC:
Equity-to-Asset: 0.33 (near median its 10-year median of 0.31)
GF Value™: €1.44 vs. price of €1.71 (18.8% above fair value)
Industry Position: 26.9% above the Insurance median (#181 of 508)
No single metric tells the full story. See the FRA:PJC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PICC P&C is headquartered in Beijing. The company is China's largest nonlife insurer, commanding nearly 33% domestic market share. Founded by the People's Bank of China in 1949, PICC P&C operates as the flagship subsidiary of PICC Group—a state-owned insurance holding company that retains a 69% equity stake. The company underwrites a comprehensive suite of nonlife insurance products spanning auto, commercial property, liability, credit and surety, accident and health, energy and aerospace, and agricultural lines.
85GF Score
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