China Life Insurance Co (STU:CHL) Moat Score: 7/10 (As of Jul. 21, 2026)

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STU:CHL China Life Insurance Co Ltd STU:CHL
65 GF Score
Price €2.99
GF Value €3.51
Valuation Modestly Undervalued
! 1 Warning Sign
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What is China Life Insurance Co Moat Score?

China Life Insurance Co STU:CHL +0.82% 65 Moat Score is 7 as of Jul. 21, 2026. GuruFocus rates STU:CHL with a GF Score™ of 65/100 and a GF Value™ of €3.51 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 595 Insurance companies, China Life Insurance Co ranks better than 98.99% on this metric.

China Life Insurance Co has the Moat Score of 7, which implies that the company might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

China Life Insurance Co has Wide Moat: China Life Insurance has a dominant market share in China, strong brand recognition, and significant regulatory barriers. Its extensive distribution network and economies of scale provide durable cost advantages, supporting its wide moat.

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 Life Insurance Co might have Wide Moat - Entry-level wide moat, clearly possessing durable advantages.

China Life Insurance Co  (STU:CHL) 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 Life Insurance Co Moat Score Related Terms

STU:CHL vs AFL, MET, PRU: Moat Score Comparison

For the Insurance - Life subindustry, China Life Insurance 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 Life Insurance Co Moat Score vs Insurance Industry

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

* The bar in red indicates where China Life Insurance Co's Moat Score falls into.


STU:CHL
65GF Score
China Life Insurance Co Ltd STU:CHL
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?
China Life Insurance Co (STU:CHL) has a Moat Score of 7 as of Jul. 21, 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 Life Insurance Co ranks #6 out of 595 companies in the Insurance industry, placing it in the top 1%.
Is China Life Insurance Co's Moat Score too high?
China Life Insurance Co's current Moat Score is 7. Based on the distribution chart, China Life Insurance Co ranks #6 out of 595 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 Moat Score compare to AFL and MET?
According to the Insurance industry distribution chart, China Life Insurance Co ranks #6 out of 595 companies for Moat Score. This places China Life Insurance 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. China Life Insurance 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 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 €3.51, compared to a current price of €2.99 — trading 14.7% below its estimated fair value. The current Moat Score is 7. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For China Life Insurance Co (STU:CHL), the current Moat Score is 7 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 14.7% below its estimated GF Value™ of €3.51. GuruFocus considers China Life Insurance Co to be Modestly Undervalued.

Key valuation signals for STU:CHL:

  • Moat Score: 7
  • GF Value™: €3.51 vs. price of €2.99 (14.7% below fair value)
  • GF Score™: 65/100 with 1 warning sign

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.

China Life Insurance Co Business Description

Address 16, Financial Street, Xicheng District, Beijing, CHN, 100033
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

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

€2.99
Price
€3.51
GF Value