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The People's Insurance Co (Group) of China (OTCPK:PINXF) 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%.
The People's Insurance Co (Group) of China Equity-to-Asset Related Terms
The People's Insurance Co (Group) of China 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.
The People's Insurance Co (Group) of China Equity-to-Asset Chart
The People's Insurance Co (Group) of China Annual Data
For the Insurance - Property & Casualty subindustry, The People's Insurance Co (Group) of China'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.
The People's Insurance Co (Group) of China Equity-to-Asset vs Insurance Industry
The People's Insurance Co (Group) of China 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.
The People's Insurance Co (Group) of China (PINXF) has a Equity-to-Asset of 0.15 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on The People's Insurance Co (Group) of China and its competitors. This is near median its historical median of 0.15. Over the past decade, The People's Insurance Co (Group) of China's Equity-to-Asset has ranged from 0.14 to 0.16. According to the industry distribution chart, The People's Insurance Co (Group) of China ranks #365 out of 503 companies in the Insurance industry, placing it in the top 72.6%.
Is The People's Insurance Co (Group) of China's Equity-to-Asset too high?
The People's Insurance Co (Group) of China's current Equity-to-Asset of 0.15 is near median its 10-year median of 0.15. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 0.16. The Insurance industry median Equity-to-Asset is 0.26. The People's Insurance Co (Group) of China's value of 0.15 is 42.3% below this industry median. Based on the distribution chart, The People's Insurance Co (Group) of China ranks #365 out of 503 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 Equity-to-Asset compare to CB and PGR?
According to the Insurance industry distribution chart, The People's Insurance Co (Group) of China ranks #365 out of 503 companies for Equity-to-Asset. This places The People's Insurance Co (Group) of China in the lower half of its industry. The industry median Equity-to-Asset is 0.26. The People's Insurance Co (Group) of China's value of 0.15 is 42.3% below this benchmark. Historically, The People's Insurance Co (Group) of China's own Equity-to-Asset has ranged from 0.14 to 0.16 over the past decade. While the company's 10-year median is 0.15 vs. the industry median of 0.26, 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 503 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. The People's Insurance Co (Group) of China's current Equity-to-Asset of 0.15 is 42.3% 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 The People's Insurance Co (Group) of China 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. The People's Insurance Co (Group) of China's current Equity-to-Asset is 0.15, which is near median its own 10-year median of 0.15. 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 $0.53, compared to a current price of $0.68 — trading 28.3% above its estimated fair value. The current Equity-to-Asset is 0.15, which is near median its 10-year median of 0.15 and 42.3% below the Insurance industry median of 0.26. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For The People's Insurance Co (Group) of China (PINXF), the current Equity-to-Asset is 0.15 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 28.3% above its estimated GF Value™ of $0.53.
GuruFocus considers The People's Insurance Co (Group) of China to be Modestly Overvalued.
Key valuation signals for PINXF:
Equity-to-Asset: 0.15 (near median its 10-year median of 0.15)
GF Value™: $0.53 vs. price of $0.68 (28.3% above fair value)
Industry Position: 42.3% below the Insurance median (#365 of 503)
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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