China Life Insurance CoSHSE:601628 +9.70%50 OCF Margin % is 194.62% as of Mar. 2026, which is 411% above its 10-year median of 38.05. GuruFocus rates SHSE:601628 with a GF Score™ of 50/100 and a GF Value™ of ¥46.29 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 506 Insurance companies, China Life Insurance Co ranks better than 96.44% on this metric.
* 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.
SHSE:601628 vs AFL, MET, PRU: OCF Margin % Comparison
For the Insurance - Life subindustry, China Life Insurance Co's OCF Margin %, along with its competitors' market caps and OCF 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.
China Life Insurance Co OCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, China Life Insurance Co's OCF Margin % distribution charts can be found below:
* The bar in red indicates where China Life Insurance Co's OCF Margin % falls into.
* 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.
China Life Insurance Co (SHSE:601628) has a OCF Margin % of 194.62% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on China Life Insurance Co and its competitors. This is 411% above median its historical median of 38.05. Over the past decade, China Life Insurance Co's OCF Margin % has ranged from 16.38 to 96.95. According to the industry distribution chart, China Life Insurance Co ranks #18 out of 506 companies in the Insurance industry, placing it in the top 3.6%.
Is China Life Insurance Co's OCF Margin % too high?
China Life Insurance Co's current OCF Margin % of 194.62% is 411% above median its 10-year median of 38.05. Over the past 10 years, this metric has ranged from a low of 16.38 to a high of 96.95. The Insurance industry median OCF Margin % is 10.86. China Life Insurance Co's value of 194.62% is 1692.9% above this industry median. Based on the distribution chart, China Life Insurance Co ranks #18 out of 506 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 50/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does China Life Insurance Co's OCF Margin % compare to AFL and MET?
According to the Insurance industry distribution chart, China Life Insurance Co ranks #18 out of 506 companies for OCF Margin %. This places China Life Insurance Co in the top 4% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 10.86. China Life Insurance Co's value of 194.62% is 1692.9% above this benchmark. Historically, China Life Insurance Co's own OCF Margin % has ranged from 16.38 to 96.95 over the past decade. While the company's 10-year median is 38.05 vs. the industry median of 10.86, China Life Insurance Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for an Insurance company?
The median OCF Margin % among Insurance companies is 10.86, based on 506 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. China Life Insurance Co's current OCF Margin % of 194.62% is 1692.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on China Life Insurance Co and its competitors. For the Insurance industry, the median OCF Margin % is 10.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. China Life Insurance Co's current OCF Margin % is 194.62%, which is 411% above median its own 10-year median of 38.05. 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 (SHSE:601628) is currently considered Modestly Undervalued. The stock's GF Value™ is ¥46.29, compared to a current price of ¥38.78 — trading 16.2% below its estimated fair value. The current OCF Margin % is 194.62%, which is 411% above median its 10-year median of 38.05 and 1692.9% above the Insurance industry median of 10.86. China Life Insurance Co's overall GF Score™ is 50/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For China Life Insurance Co (SHSE:601628), the current OCF Margin % is 194.62% as of Mar. 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 (SHSE:601628) Overvalued in 2026?
Based on GuruFocus' analysis, China Life Insurance Co stock appears to be undervalued.
The current stock price of ¥38.78 is trading 16.2% below its estimated GF Value™ of ¥46.29.
GuruFocus considers China Life Insurance Co to be Modestly Undervalued.
Key valuation signals for SHSE:601628:
OCF Margin %: 194.62% (411% above median its 10-year median of 38.05)
GF Value™: ¥46.29 vs. price of ¥38.78 (16.2% below fair value)
Industry Position: 1692.9% above the Insurance median (#18 of 506)
No single metric tells the full story. See the SHSE:601628 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
50GF Score
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