STU:PIR'
s Net Margin % Range Over the Past 10 Years
Min: 2.6 Med: 3.83 Max: 7.14
Current: 5.75
STU:PIR's Net Margin % is ranked worse than 65.67% of 501
companies
in the Insurance industry
Industry Median: 9.29
vs STU:PIR: 5.75
The People's Insurance Co (Group) of China (STU:PIR) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
The People's Insurance Co (Group) of China Net Margin % Related Terms
The People's Insurance Co (Group) of China Net Margin % Historical Data
* 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.
The People's Insurance Co (Group) of China Net Margin % Chart
The People's Insurance Co (Group) of China Annual Data
For the Insurance - Property & Casualty subindustry, The People's Insurance Co (Group) of China's Net Margin %, along with its competitors' market caps and Net 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.
The People's Insurance Co (Group) of China Net Margin % vs Insurance Industry
* 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.
The People's Insurance Co (Group) of China (STU:PIR) has a Net Margin % of -0.36% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on The People's Insurance Co (Group) of China and its competitors. Over the past decade, The People's Insurance Co (Group) of China's Net Margin % has ranged from 2.60 to 7.14. According to the industry distribution chart, The People's Insurance Co (Group) of China ranks #329 out of 501 companies in the Insurance industry, placing it in the top 65.7%.
Is The People's Insurance Co (Group) of China's Net Margin % too high?
The People's Insurance Co (Group) of China's current Net Margin % is -0.36%. Over the past 10 years, this metric has ranged from a low of 2.60 to a high of 7.14. Based on the distribution chart, The People's Insurance Co (Group) of China ranks #329 out of 501 companies in the Insurance industry, which is below the industry midpoint. Overall, The People's Insurance Co (Group) of China has a GF Score™ of 78/100, reflecting its overall financial health beyond just this single metric.
How does The People's Insurance Co (Group) of China's Net Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, The People's Insurance Co (Group) of China ranks #329 out of 501 companies for Net Margin %. This places The People's Insurance Co (Group) of China in the lower half of its industry. The industry median Net Margin % is 9.29. Historically, The People's Insurance Co (Group) of China's own Net Margin % has ranged from 2.60 to 7.14 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on The People's Insurance Co (Group) of China and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The People's Insurance Co (Group) of China's current Net Margin % is -0.36%. 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?
The People's Insurance Co (Group) of China (STU:PIR) has a current Net Margin % of -0.36%. The stock's GF Value™ is €0.47, compared to a current price of €0.53 — trading 12.8% above its estimated fair value. The current Net Margin % is -0.36%. The People's Insurance Co (Group) of China's overall GF Score™ is 78/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For The People's Insurance Co (Group) of China (STU:PIR), the current Net Margin % is -0.36% as of Dec. 2025. 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 (STU:PIR) 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 €0.53 is trading 12.8% above its estimated GF Value™ of €0.47.
Key valuation signals for STU:PIR:
Net Margin %: -0.36%
GF Value™: €0.47 vs. price of €0.53 (12.8% above fair value)
No single metric tells the full story. See the STU:PIR 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
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%.
78GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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