PINXF (The People's Insurance Co (Group) of China) Moat Score: 6/10 (As of Jun. 30, 2026)


PINXF The People's Insurance Co (Group) of China Ltd PINXF
49 GF Score
Price $0.66
GF Value $0.59
Valuation Modestly Overvalued
! 2 Warning Signs
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What is The People's Insurance Co (Group) of China Moat Score?

The People's Insurance Co (Group) of China PINXF +1.54% 49 Moat Score is 6 as of Jun. 30, 2026. GuruFocus rates PINXF with a GF Score™ of 49/100 and a GF Value™ of $0.59 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 601 Insurance companies, The People's Insurance Co (Group) of China ranks better than 95.01% on this metric.

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

The People's Insurance Co (Group) of China has Narrow Moat: The People's Insurance Co benefits from strong brand recognition and regulatory barriers in China. It has a significant market share and customer loyalty, but intense competition and regulatory changes limit its moat to a strong narrow one.

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 The People's Insurance Co (Group) of China might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

The People's Insurance Co (Group) of China  (OTCPK:PINXF) 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

The People's Insurance Co (Group) of China Moat Score Related Terms

PINXF vs CB, PGR, TRV: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, The People's Insurance Co (Group) of China'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.

The People's Insurance Co (Group) of China Moat Score vs Insurance Industry

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

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


PINXF
49GF Score
The People's Insurance Co (Group) of China Ltd PINXF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
The People's Insurance Co (Group) of China (PINXF) has a Moat Score of 6 as of Jun. 30, 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, The People's Insurance Co (Group) of China ranks #30 out of 601 companies in the Insurance industry, placing it in the top 5%.
Is The People's Insurance Co (Group) of China's Moat Score too high?
The People's Insurance Co (Group) of China's current Moat Score is 6. Based on the distribution chart, The People's Insurance Co (Group) of China ranks #30 out of 601 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, The People's Insurance Co (Group) of China has a GF Score™ of 49/100 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 Moat Score compare to CB and PGR?
According to the Insurance industry distribution chart, The People's Insurance Co (Group) of China ranks #30 out of 601 companies for Moat Score. This places The People's Insurance Co (Group) of China 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. The People's Insurance Co (Group) of China'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 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 $0.59, compared to a current price of $0.66 — trading 11.9% above its estimated fair value. The current Moat Score is 6. The People's Insurance Co (Group) of China's overall GF Score™ is 49/100 with 2 warning signs to review. 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 The People's Insurance Co (Group) of China (PINXF), the current Moat Score is 6 as of Jun. 30, 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 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 $0.66 is trading 11.9% above its estimated GF Value™ of $0.59. GuruFocus considers The People's Insurance Co (Group) of China to be Modestly Overvalued.

Key valuation signals for PINXF:

  • Moat Score: 6
  • GF Value™: $0.59 vs. price of $0.66 (11.9% above fair value)
  • GF Score™: 49/100 with 2 warning signs

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.

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%.
49GF Score

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

$0.66
Price
$0.59
GF Value