Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
China Reinsurance (Group)STU:C53 -4.20%46 PB Ratio is 0.46 as of Jul. 29, 2026, which is 15% above its 10-year median of 0.40. GuruFocus rates STU:C53 with a GF Score™ of 46/100 and a GF Value™ of €0.08 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 497 Insurance companies, China Reinsurance (Group) ranks better than 91.75% on this metric.
The historical rank and industry rank for China Reinsurance (Group)'s PB Ratio or its related term are showing as below:
STU:C53'
s PB Ratio Range Over the Past 10 Years
Min: 0.16 Med: 0.4 Max: 1
Current: 0.49
During the past 13 years, China Reinsurance (Group)'s highest PB Ratio was 1.00. The lowest was 0.16. And the median was 0.40.
STU:C53's PB Ratio is ranked better than 91.75% of 497
companies
in the Insurance industry
Industry Median: 1.41
vs STU:C53: 0.49
During the past 12 months, China Reinsurance (Group)'s average Book Value Per Share Growth Rate was 9.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 1.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 3.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of China Reinsurance (Group) was 15.80% per year. The lowest was -2.60% per year. And the median was 7.80% per year.
Back to Basics: PB Ratio
China Reinsurance (Group) (STU:C53) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
China Reinsurance (Group) PB Ratio Related Terms
China Reinsurance (Group) PB Ratio 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.
For the Insurance - Reinsurance subindustry, China Reinsurance (Group)'s PB Ratio, along with its competitors' market caps and PB Ratio 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 Reinsurance (Group) PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, China Reinsurance (Group)'s PB Ratio distribution charts can be found below:
* The bar in red indicates where China Reinsurance (Group)'s PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
China Reinsurance (Group) (STU:C53) has a PB Ratio of 0.46 as of Jul. 29, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on China Reinsurance (Group) and its competitors. This is 15% above median its historical median of 0.40. Over the past decade, China Reinsurance (Group)'s PB Ratio has ranged from 0.16 to 1.00. According to the industry distribution chart, China Reinsurance (Group) ranks #41 out of 497 companies in the Insurance industry, placing it in the top 8.2%.
Is China Reinsurance (Group)'s PB Ratio too high?
China Reinsurance (Group)'s current PB Ratio of 0.46 is 15% above median its 10-year median of 0.40. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 1.00. The Insurance industry median PB Ratio is 1.41. China Reinsurance (Group)'s value of 0.46 is 67.4% below this industry median. Based on the distribution chart, China Reinsurance (Group) ranks #41 out of 497 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, China Reinsurance (Group) has a GF Score™ of 46/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does China Reinsurance (Group)'s PB Ratio compare to RGA and EG?
According to the Insurance industry distribution chart, China Reinsurance (Group) ranks #41 out of 497 companies for PB Ratio. This places China Reinsurance (Group) in the top 8% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.41. China Reinsurance (Group)'s value of 0.46 is 67.4% below this benchmark. Historically, China Reinsurance (Group)'s own PB Ratio has ranged from 0.16 to 1.00 over the past decade. While the company's 10-year median is 0.40 vs. the industry median of 1.41, China Reinsurance (Group) has consistently been below 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.41, based on 497 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. China Reinsurance (Group)'s current PB Ratio of 0.46 is 67.4% below 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on China Reinsurance (Group) and its competitors. For the Insurance industry, the median PB Ratio is 1.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. China Reinsurance (Group)'s current PB Ratio is 0.46, which is 15% above median its own 10-year median of 0.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Reinsurance (Group) stock overvalued right now?
Based on GuruFocus' analysis, China Reinsurance (Group) (STU:C53) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.08, compared to a current price of €0.14 — trading 79.8% above its estimated fair value. The current PB Ratio is 0.46, which is 15% above median its 10-year median of 0.40 and 67.4% below the Insurance industry median of 1.41. China Reinsurance (Group)'s overall GF Score™ is 46/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For China Reinsurance (Group) (STU:C53), the current PB Ratio is 0.46 as of Jul. 29, 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 Reinsurance (Group) (STU:C53) Overvalued in 2026?
Based on GuruFocus' analysis, China Reinsurance (Group) stock appears to be overvalued.
The current stock price of €0.14 is trading 79.8% above its estimated GF Value™ of €0.08.
GuruFocus considers China Reinsurance (Group) to be Significantly Overvalued.
Key valuation signals for STU:C53:
PB Ratio: 0.46 (15% above median its 10-year median of 0.40)
GF Value™: €0.08 vs. price of €0.14 (79.8% above fair value)
Industry Position: 67.4% below the Insurance median (#41 of 497)
No single metric tells the full story. See the STU:C53 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
China Reinsurance (Group) Corp is mainly engaged in property and casualty reinsurance, life and health reinsurance, primary property and casualty insurance, asset management and other businesses. Its operating and reportable segments are Property and casualty reinsurance segment offers a wide variety of reinsurance products; Life and health reinsurance segment offers a wide range of reinsurance products; Primary property and casualty insurance segment offers a wide variety of insurance products and other businesses including motor, property and liability insurance; Asset management segment offers asset management services; and Other segments of which majority of revenue comes from Primary property and casualty insurance.
46GF Score
Get the complete analysis for STU:C53
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STU:C53 has been successfully added to your 
