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China Life Insurance CoSTU:CHL +0.82%65 EV-to-FCF is 2.23 as of Jul. 21, 2026, which is 22% below its 10-year median of 2.85. GuruFocus rates STU:CHL with a GF Score™ of 65/100 and a GF Value™ of €3.50 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 395 Insurance companies, China Life Insurance Co ranks better than 86.84% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, China Life Insurance Co's Enterprise Value is €120,690 Mil.
China Life Insurance Co's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €54,015 Mil. Therefore, China Life Insurance Co's EV-to-FCF for today is 2.23.
The historical rank and industry rank for China Life Insurance Co's EV-to-FCF or its related term are showing as below:
STU:CHL'
s EV-to-FCF Range Over the Past 10 Years
Min: -14.06 Med: 2.85 Max: 9.27
Current: 2.03
During the past 13 years, the highest EV-to-FCF of China Life Insurance Co was 9.27. The lowest was -14.06. And the median was 2.85.
STU:CHL's EV-to-FCF is ranked better than 86.84% of 395
companies
in the Insurance industry
Industry Median: 9.63
vs STU:CHL: 2.03
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.
China Life Insurance Co (STU:CHL) 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.
China Life Insurance Co's PE Ratio (TTM) for today is calculated as:
China Life Insurance Co's share price for today is €2.9945.
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 €0.617.
* 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.
* 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-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.
China Life Insurance Co EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, China Life Insurance Co's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where China Life Insurance Co's EV-to-FCF falls into.
China Life Insurance Co's current Enterprise Value is €120,690 Mil.
China Life Insurance Co's Free Cash Flow 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 €54,015 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 (STU:CHL) has a EV-to-FCF of 2.23 as of Jul. 21, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on China Life Insurance Co and its competitors. This is 22% below median its historical median of 2.85. According to the industry distribution chart, China Life Insurance Co ranks #52 out of 395 companies in the Insurance industry, placing it in the top 13.2%.
Is China Life Insurance Co's EV-to-FCF too high?
China Life Insurance Co's current EV-to-FCF of 2.23 is 22% below median its 10-year median of 2.85. The Insurance industry median EV-to-FCF is 9.63. China Life Insurance Co's value of 2.23 is 76.8% below this industry median. Based on the distribution chart, China Life Insurance Co ranks #52 out of 395 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, China Life Insurance Co has a GF Score™ of 65/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does China Life Insurance Co's EV-to-FCF compare to AFL and MET?
According to the Insurance industry distribution chart, China Life Insurance Co ranks #52 out of 395 companies for EV-to-FCF. This places China Life Insurance Co in the top 13% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 9.63. China Life Insurance Co's value of 2.23 is 76.8% below this benchmark. While the company's 10-year median is 2.85 vs. the industry median of 9.63, 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.63, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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-FCF of 2.23 is 76.8% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on China Life Insurance Co and its competitors. For the Insurance industry, the median EV-to-FCF is 9.63 — 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-FCF is 2.23, which is 22% below median its own 10-year median of 2.85. 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 (STU:CHL) is currently considered Modestly Undervalued. The stock's GF Value™ is €3.50, compared to a current price of €2.99 — trading 14.4% below its estimated fair value. The current EV-to-FCF is 2.23, which is 22% below median its 10-year median of 2.85 and 76.8% below the Insurance industry median of 9.63. China Life Insurance Co's overall GF Score™ is 65/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For China Life Insurance Co (STU:CHL), the current EV-to-FCF is 2.23 as of Jul. 21, 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 (STU:CHL) Overvalued in 2026?
Based on GuruFocus' analysis, China Life Insurance Co stock appears to be undervalued.
The current stock price of €2.99 is trading 14.4% below its estimated GF Value™ of €3.50.
GuruFocus considers China Life Insurance Co to be Modestly Undervalued.
Key valuation signals for STU:CHL:
EV-to-FCF: 2.23 (22% below median its 10-year median of 2.85)
GF Value™: €3.50 vs. price of €2.99 (14.4% below fair value)
Industry Position: 76.8% below the Insurance median (#52 of 395)
No single metric tells the full story. See the STU:CHL 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.
65GF Score
Get the complete analysis for STU:CHL
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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