Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
* 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.
HKSE:02628 vs MET, AFL, PRU: FCF Margin % Comparison
For the Insurance - Life subindustry, China Life Insurance Co's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, China Life Insurance Co's FCF Margin % distribution charts can be found below:
* The bar in red indicates where China Life Insurance Co's FCF Margin % falls into.
* 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 (HKSE:02628) has a FCF Margin % of 32.10% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on China Life Insurance Co and its competitors. This is 13% below median its historical median of 36.81. Over the past decade, China Life Insurance Co's FCF Margin % has ranged from 15.40 to 95.89. According to the industry distribution chart, China Life Insurance Co ranks #30 out of 496 companies in the Insurance industry, placing it in the top 6%.
Is China Life Insurance Co's FCF Margin % too high?
China Life Insurance Co's current FCF Margin % of 32.10% is 13% below median its 10-year median of 36.81. Over the past 10 years, this metric has ranged from a low of 15.40 to a high of 95.89. The Insurance industry median FCF Margin % is 9.11. China Life Insurance Co's value of 32.10% is 252.6% above this industry median. Based on the distribution chart, China Life Insurance Co ranks #30 out of 496 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 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does China Life Insurance Co's FCF Margin % compare to MET and AFL?
According to the Insurance industry distribution chart, China Life Insurance Co ranks #30 out of 496 companies for FCF Margin %. This places China Life Insurance Co in the top 6% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 9.11. China Life Insurance Co's value of 32.10% is 252.6% above this benchmark. Historically, China Life Insurance Co's own FCF Margin % has ranged from 15.40 to 95.89 over the past decade. While the company's 10-year median is 36.81 vs. the industry median of 9.11, China Life Insurance 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.11, based on 496 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. China Life Insurance Co's current FCF Margin % of 32.10% is 252.6% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on China Life Insurance Co and its competitors. For the Insurance industry, the median FCF Margin % is 9.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. China Life Insurance Co's current FCF Margin % is 32.10%, which is 13% below median its own 10-year median of 36.81. 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 (HKSE:02628) is currently considered Modestly Undervalued. The stock's GF Value™ is HK$34.22, compared to a current price of HK$29.98 — trading 12.4% below its estimated fair value. The current FCF Margin % is 32.10%, which is 13% below median its 10-year median of 36.81 and 252.6% above the Insurance industry median of 9.11. China Life Insurance Co's overall GF Score™ is 67/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For China Life Insurance Co (HKSE:02628), the current FCF Margin % is 32.10% as of Jun. 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 (HKSE:02628) Overvalued in 2026?
Based on GuruFocus' analysis, China Life Insurance Co stock appears to be undervalued.
The current stock price of HK$29.98 is trading 12.4% below its estimated GF Value™ of HK$34.22.
GuruFocus considers China Life Insurance Co to be Modestly Undervalued.
Key valuation signals for HKSE:02628:
FCF Margin %: 32.10% (13% below median its 10-year median of 36.81)
GF Value™: HK$34.22 vs. price of HK$29.98 (12.4% below fair value)
Industry Position: 252.6% above the Insurance median (#30 of 496)
No single metric tells the full story. See the HKSE:02628 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.
67GF Score
Get the complete analysis for HKSE:02628
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HKSE:02628 has been successfully added to your 
