China Pacific Insurance (Group) Co (FRA:75C) PB Ratio: 0.73 (As of Jul. 03, 2026) — 48% Below Median


FRA:75C China Pacific Insurance (Group) Co Ltd FRA:75C
67 GF Score
Price €3.04
GF Value €3.97
Valuation Modestly Undervalued
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What is China Pacific Insurance (Group) Co PB Ratio?

China Pacific Insurance (Group) Co FRA:75C +2.70% 67 PB Ratio is 0.73 as of Jul. 03, 2026, which is 48% below its 10-year median of 1.40. GuruFocus rates FRA:75C with a GF Score™ of 67/100 and a GF Value™ of €3.97 (Modestly Undervalued). Among 500 Insurance companies, China Pacific Insurance (Group) Co ranks better than 74% on this metric.

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. As of today (2026-07-03), China Pacific Insurance (Group) Co's share price is €3.04. China Pacific Insurance (Group) Co's Book Value per Share for the quarter that ended in Mar. 2026 was €4.17. Hence, China Pacific Insurance (Group) Co's PB Ratio of today is 0.73.

Good Sign:

China Pacific Insurance (Group) Co Ltd stock PB Ratio (=0.89) is close to 3-year low of 0.82.

The historical rank and industry rank for China Pacific Insurance (Group) Co's PB Ratio or its related term are showing as below:

FRA:75C' s PB Ratio Range Over the Past 10 Years
Min: 0.78   Med: 1.4   Max: 3.19
Current: 0.89

During the past 13 years, China Pacific Insurance (Group) Co's highest PB Ratio was 3.19. The lowest was 0.78. And the median was 1.40.

FRA:75C's PB Ratio is ranked better than
74% of 500 companies
in the Insurance industry
Industry Median: 1.405 vs FRA:75C: 0.89

During the past 12 months, China Pacific Insurance (Group) Co's average Book Value Per Share Growth Rate was 21.20% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 15.40% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 8.00% per year. During the past 10 years, the average Book Value Per Share Growth Rate was 8.50% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of China Pacific Insurance (Group) Co was 138.10% per year. The lowest was 1.20% per year. And the median was 10.60% per year.

Back to Basics: PB Ratio


China Pacific Insurance (Group) Co  (FRA:75C) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

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 Pacific Insurance (Group) Co PB Ratio Related Terms


China Pacific Insurance (Group) Co PB Ratio Historical Data

* Premium members only.

The historical data trend for China Pacific Insurance (Group) Co's PB Ratio can be seen below:

* 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 Pacific Insurance (Group) Co PB Ratio Chart

China Pacific Insurance (Group) Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.73 0.74 0.57 0.78 1.02

China Pacific Insurance (Group) Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.83 0.82 0.95 1.02 0.84

FRA:75C vs AFL, MET, PRU: PB Ratio Comparison

For the Insurance - Life subindustry, China Pacific Insurance (Group) Co'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 Pacific Insurance (Group) Co PB Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, China Pacific Insurance (Group) Co's PB Ratio distribution charts can be found below:

* The bar in red indicates where China Pacific Insurance (Group) Co's PB Ratio falls into.


FRA:75C
67GF Score
China Pacific Insurance (Group) Co Ltd FRA:75C
PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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China Pacific Insurance (Group) Co PB Ratio Calculation

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.

China Pacific Insurance (Group) Co's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Mar. 2026)
=3.04/4.169
=0.73

* 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.

Frequently Asked Questions Learn more about PB Ratio →
What does a PB Ratio of 0.73 mean?
China Pacific Insurance (Group) Co (FRA:75C) has a PB Ratio of 0.73 as of Jul. 03, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on China Pacific Insurance (Group) Co and its competitors. This is 48% below median its historical median of 1.40. Over the past decade, China Pacific Insurance (Group) Co's PB Ratio has ranged from 0.78 to 3.19. According to the industry distribution chart, China Pacific Insurance (Group) Co ranks #130 out of 500 companies in the Insurance industry, placing it in the top 26%.
Is China Pacific Insurance (Group) Co's PB Ratio too high?
China Pacific Insurance (Group) Co's current PB Ratio of 0.73 is 48% below median its 10-year median of 1.40. Over the past 10 years, this metric has ranged from a low of 0.78 to a high of 3.19. The Insurance industry median PB Ratio is 1.41. China Pacific Insurance (Group) Co's value of 0.73 is 48% below this industry median. Based on the distribution chart, China Pacific Insurance (Group) Co ranks #130 out of 500 companies in the Insurance industry, which is above the industry midpoint. Overall, China Pacific Insurance (Group) Co has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does China Pacific Insurance (Group) Co's PB Ratio compare to AFL and MET?
According to the Insurance industry distribution chart, China Pacific Insurance (Group) Co ranks #130 out of 500 companies for PB Ratio. This puts China Pacific Insurance (Group) Co in the upper half of its industry. The industry median PB Ratio is 1.41. China Pacific Insurance (Group) Co's value of 0.73 is 48% below this benchmark. Historically, China Pacific Insurance (Group) Co's own PB Ratio has ranged from 0.78 to 3.19 over the past decade. While the company's 10-year median is 1.40 vs. the industry median of 1.41, China Pacific Insurance (Group) Co 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 500 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 Pacific Insurance (Group) Co's current PB Ratio of 0.73 is 48% 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 Pacific Insurance (Group) Co 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 Pacific Insurance (Group) Co's current PB Ratio is 0.73, which is 48% below median its own 10-year median of 1.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Pacific Insurance (Group) Co stock overvalued right now?
Based on GuruFocus' analysis, China Pacific Insurance (Group) Co (FRA:75C) is currently considered Modestly Undervalued. The stock's GF Value™ is €3.97, compared to a current price of €3.04 — trading 23.4% below its estimated fair value. The current PB Ratio is 0.73, which is 48% below median its 10-year median of 1.40 and 48% below the Insurance industry median of 1.41. China Pacific Insurance (Group) Co's overall GF Score™ is 67/100. 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 Pacific Insurance (Group) Co (FRA:75C), the current PB Ratio is 0.73 as of Jul. 03, 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 Pacific Insurance (Group) Co (FRA:75C) Overvalued in 2026?

Based on GuruFocus' analysis, China Pacific Insurance (Group) Co stock appears to be undervalued. The current stock price of €3.04 is trading 23.4% below its estimated GF Value™ of €3.97. GuruFocus considers China Pacific Insurance (Group) Co to be Modestly Undervalued.

Key valuation signals for FRA:75C:

  • PB Ratio: 0.73 (48% below median its 10-year median of 1.40)
  • GF Value™: €3.97 vs. price of €3.04 (23.4% below fair value)
  • GF Score™: 67/100
  • Industry Position: 48% below the Insurance median (#130 of 500)

No single metric tells the full story. See the FRA:75C stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


China Pacific Insurance (Group) Co Business Description

Address 1 South Zhongshan Road, Huangpu District, Shanghai, CHN, 200010
Established in 1988, China Pacific Insurance is China's third-largest life insurer and third-largest general property and casualty insurer, with headquarters in Beijing. The company strives to create an integrated financial services platform that encompasses insurance, banking, and asset management. CPIC's major shareholders are state-owned companies related to the Shanghai government.
67GF Score

Get the complete analysis for FRA:75C

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

€3.04
Price
€3.97
GF Value