China Pacific Insurance (Group) Co (FRA:75C) Moat Score: 6/10 (As of Jul. 04, 2026)


FRA:75C China Pacific Insurance (Group) Co Ltd FRA:75C
67 GF Score
Price €3.04
GF Value €3.98
Valuation Modestly Undervalued
View Full Analysis

What is China Pacific Insurance (Group) Co Moat Score?

China Pacific Insurance (Group) Co FRA:75C 67 Moat Score is 6 as of Jul. 04, 2026. GuruFocus rates FRA:75C with a GF Score™ of 67/100 and a GF Value™ of €3.98 (Modestly Undervalued). Among 599 Insurance companies, China Pacific Insurance (Group) Co ranks better than 94.99% on this metric.

China Pacific Insurance (Group) Co has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

China Pacific Insurance (Group) Co has Narrow Moat: CHPXF benefits from a strong narrow moat due to its significant market share in the insurance industry, brand strength, and regulatory barriers. However, it does not possess the durable advantages necessary for a wide moat classification.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes China Pacific Insurance (Group) Co might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

China Pacific Insurance (Group) Co  (FRA:75C) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

China Pacific Insurance (Group) Co Moat Score Related Terms

FRA:75C vs AFL, MET, PRU: Moat Score Comparison

For the Insurance - Life subindustry, China Pacific Insurance (Group) Co's Moat Score, along with its competitors' market caps and Moat Score 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 Pacific Insurance (Group) Co Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, China Pacific Insurance (Group) Co's Moat Score distribution charts can be found below:

* The bar in red indicates where China Pacific Insurance (Group) Co's Moat Score falls into.


FRA:75C
67GF Score
China Pacific Insurance (Group) Co Ltd FRA:75C
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
China Pacific Insurance (Group) Co (FRA:75C) has a Moat Score of 6 as of Jul. 04, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, China Pacific Insurance (Group) Co ranks #30 out of 599 companies in the Insurance industry, placing it in the top 5%.
Is China Pacific Insurance (Group) Co's Moat Score too high?
China Pacific Insurance (Group) Co's current Moat Score is 6. Based on the distribution chart, China Pacific Insurance (Group) Co ranks #30 out of 599 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, China Pacific Insurance (Group) 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 Pacific Insurance (Group) Co's Moat Score compare to AFL and MET?
According to the Insurance industry distribution chart, China Pacific Insurance (Group) Co ranks #30 out of 599 companies for Moat Score. This places China Pacific Insurance (Group) Co in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. China Pacific Insurance (Group) Co's current Moat Score is 6. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Pacific Insurance (Group) Co stock overvalued right now?
Based on GuruFocus' analysis, China Pacific Insurance (Group) Co (FRA:75C) is currently considered Modestly Undervalued. The stock's GF Value™ is €3.98, compared to a current price of €3.04 — trading 23.6% below its estimated fair value. The current Moat Score is 6. China Pacific Insurance (Group) Co's overall GF Score™ is 67/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For China Pacific Insurance (Group) Co (FRA:75C), the current Moat Score is 6 as of Jul. 04, 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 Pacific Insurance (Group) Co (FRA:75C) Overvalued in 2026?

Based on GuruFocus' analysis, China Pacific Insurance (Group) Co stock appears to be undervalued. The current stock price of €3.04 is trading 23.6% below its estimated GF Value™ of €3.98. GuruFocus considers China Pacific Insurance (Group) Co to be Modestly Undervalued.

Key valuation signals for FRA:75C:

  • Moat Score: 6
  • GF Value™: €3.98 vs. price of €3.04 (23.6% below fair value)
  • GF Score™: 67/100

No single metric tells the full story. See the FRA:75C stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

China Pacific Insurance (Group) Co Business Description

Address 1 South Zhongshan Road, Huangpu District, Shanghai, CHN, 200010
Established in 1988, China Pacific Insurance is China's third-largest life insurer and third-largest general property and casualty insurer, with headquarters in Beijing. The company strives to create an integrated financial services platform that encompasses insurance, banking, and asset management. CPIC's major shareholders are state-owned companies related to the Shanghai government.
67GF Score

Get the complete analysis for FRA:75C

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

€3.04
Price
€3.98
GF Value