PPCCF (PICC Property and Casualty Co) Moat Score: 7/10 (As of Jun. 30, 2026)


PPCCF PICC Property and Casualty Co Ltd PPCCF
82 GF Score
Price $1.96
GF Value $1.79
! 1 Warning Sign
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What is PICC Property and Casualty Co Moat Score?

PICC Property and Casualty Co PPCCF 82 Moat Score is 7 as of Jun. 30, 2026. GuruFocus rates PPCCF with a GF Score™ of 82/100 and a GF Value™ of $1.79. The stock has 1 warning sign investors should review. Among 601 Insurance companies, PICC Property and Casualty Co ranks better than 99% on this metric.

PICC Property and Casualty Co has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

PICC Property and Casualty Co has Wide Moat: PICC has a wide moat due to its dominant market position in China's insurance sector, strong brand recognition, and significant regulatory barriers. Its extensive distribution network and customer loyalty further enhance its competitive position.

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 PICC Property and Casualty Co might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

PICC Property and Casualty Co  (OTCPK:PPCCF) 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

PICC Property and Casualty Co Moat Score Related Terms

PPCCF vs CB, PGR, TRV: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, PICC Property and Casualty 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.

PICC Property and Casualty Co Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, PICC Property and Casualty Co's Moat Score distribution charts can be found below:

* The bar in red indicates where PICC Property and Casualty Co's Moat Score falls into.


PPCCF
82GF Score
PICC Property and Casualty Co Ltd PPCCF
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 7 mean?
PICC Property and Casualty Co (PPCCF) has a Moat Score of 7 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, PICC Property and Casualty Co ranks #6 out of 601 companies in the Insurance industry, placing it in the top 1%.
Is PICC Property and Casualty Co's Moat Score too high?
PICC Property and Casualty Co's current Moat Score is 7. Based on the distribution chart, PICC Property and Casualty Co ranks #6 out of 601 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, PICC Property and Casualty Co has a GF Score™ of 82/100, reflecting its overall financial health beyond just this single metric.
How does PICC Property and Casualty Co's Moat Score compare to CB and PGR?
According to the Insurance industry distribution chart, PICC Property and Casualty Co ranks #6 out of 601 companies for Moat Score. This places PICC Property and Casualty Co in the top 1% 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. PICC Property and Casualty Co's current Moat Score is 7. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PICC Property and Casualty Co stock overvalued right now?
PICC Property and Casualty Co (PPCCF) has a current Moat Score of 7. The stock's GF Value™ is $1.79, compared to a current price of $1.96 — trading 9.5% above its estimated fair value. The current Moat Score is 7. PICC Property and Casualty Co's overall GF Score™ is 82/100 with 1 warning sign 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 PICC Property and Casualty Co (PPCCF), the current Moat Score is 7 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 PICC Property and Casualty Co (PPCCF) Overvalued in 2026?

Based on GuruFocus' analysis, PICC Property and Casualty Co stock appears to be overvalued. The current stock price of $1.96 is trading 9.5% above its estimated GF Value™ of $1.79.

Key valuation signals for PPCCF:

  • Moat Score: 7
  • GF Value™: $1.79 vs. price of $1.96 (9.5% above fair value)
  • GF Score™: 82/100 with 1 warning sign

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

PICC Property and Casualty Co Business Description

Address Tower 2, No. 2 Jianguomenwai Avenue, Chaoyang District, Beijing, CHN, 100022
PICC P&C is headquartered in Beijing. The company is China's largest nonlife insurer, commanding nearly 33% domestic market share. Founded by the People's Bank of China in 1949, PICC P&C operates as the flagship subsidiary of PICC Group—a state-owned insurance holding company that retains a 69% equity stake. The company underwrites a comprehensive suite of nonlife insurance products spanning auto, commercial property, liability, credit and surety, accident and health, energy and aerospace, and agricultural lines.
82GF Score

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

$1.96
Price
$1.79
GF Value