The People's Insurance Co (Group) of China (FRA:PIR) EV-to-FCF: (As of Jul. 02, 2026)


FRA:PIR The People's Insurance Co (Group) of China Ltd FRA:PIR
50 GF Score
Price €0.51
GF Value €0.46
Valuation Modestly Overvalued
! 2 Warning Signs
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What is The People's Insurance Co (Group) of China EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, The People's Insurance Co (Group) of China's Enterprise Value is €54,108 Mil. The People's Insurance Co (Group) of China's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €0 Mil. Therefore, The People's Insurance Co (Group) of China's EV-to-FCF for today is .

The historical rank and industry rank for The People's Insurance Co (Group) of China's EV-to-FCF or its related term are showing as below:

FRA:PIR' s EV-to-FCF Range Over the Past 10 Years
Min: 2.53   Med: 4   Max: 11.24
Current: 3.53

During the past 13 years, the highest EV-to-FCF of The People's Insurance Co (Group) of China was 11.24. The lowest was 2.53. And the median was 4.00.

FRA:PIR's EV-to-FCF is ranked better than
79.8% of 396 companies
in the Insurance industry
Industry Median: 9.285 vs FRA:PIR: 3.53

EV-to-FCF 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.

As of today (2026-07-02), The People's Insurance Co (Group) of China's stock price is €0.51. The People's Insurance Co (Group) of China's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was €0.053. Therefore, The People's Insurance Co (Group) of China's PE Ratio (TTM) for today is 9.62.

The People's Insurance Co (Group) of China  (FRA:PIR) EV-to-FCF Explanation

EV-to-FCF 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.

The People's Insurance Co (Group) of China's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=0.51/0.053
=9.62

The People's Insurance Co (Group) of China's share price for today is €0.51.
The People's Insurance Co (Group) of China's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was €0.053.

* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.

The People's Insurance Co (Group) of China EV-to-FCF Related Terms

The People's Insurance Co (Group) of China EV-to-FCF Historical Data

* Premium members only.

The historical data trend for The People's Insurance Co (Group) of China's EV-to-FCF can be seen below:

* 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 EV-to-FCF Chart

The People's Insurance Co (Group) of China Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.56 3.19 3.09 3.27 3.37

The People's Insurance Co (Group) of China Quarterly Data
Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Jun25 Sep25 Dec25
EV-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 8.23 3.27 0.00 0.00 3.37

FRA:PIR vs CB, PGR, TRV: EV-to-FCF Comparison

For the Insurance - Property & Casualty subindustry, The People's Insurance Co (Group) of China's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Insurance Industry

For the Insurance industry and Financial Services sector, The People's Insurance Co (Group) of China's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where The People's Insurance Co (Group) of China's EV-to-FCF falls into.


FRA:PIR
50GF Score
The People's Insurance Co (Group) of China Ltd FRA:PIR
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

The People's Insurance Co (Group) of China EV-to-FCF Calculation

The People's Insurance Co (Group) of China's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=54107.618/0
=

The People's Insurance Co (Group) of China's current Enterprise Value is €54,108 Mil.
The People's Insurance Co (Group) of China's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was €0 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.

Is The People's Insurance Co (Group) of China (FRA:PIR) 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 €0.51 is trading 10.9% above its estimated GF Value™ of €0.46. GuruFocus considers The People's Insurance Co (Group) of China to be Modestly Overvalued.

Key valuation signals for FRA:PIR:

  • EV-to-FCF:
  • GF Value™: €0.46 vs. price of €0.51 (10.9% above fair value)
  • GF Score™: 50/100 with 2 warning signs

No single metric tells the full story. See the FRA:PIR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

The People's Insurance Co (Group) of China Business Description

Address No. 88, West Chang’an Avenue, 1st-13th Floor, Xi Cheng District, Beijing, CHN, 100031
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%.
50GF Score

Get the complete analysis for FRA:PIR

EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.51
Price
€0.46
GF Value