PICC Property and Casualty Co Ltd stock PB Ratio (=1.01) is close to 1-year low of 0.99.
The historical rank and industry rank for PICC Property and Casualty Co's PB Ratio or its related term are showing as below:
FRA:PJC'
s PB Ratio Range Over the Past 10 Years
Min: 0.77 Med: 1.07 Max: 1.37
Current: 1.01
During the past 13 years, PICC Property and Casualty Co's highest PB Ratio was 1.37. The lowest was 0.77. And the median was 1.07.
FRA:PJC's PB Ratio is ranked better than 66.93% of 502
companies
in the Insurance industry
Industry Median: 1.38
vs FRA:PJC: 1.01
During the past 12 months, PICC Property and Casualty Co's average Book Value Per Share Growth Rate was 14.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 9.00% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 5.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 9.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of PICC Property and Casualty Co was 30.90% per year. The lowest was 2.50% per year. And the median was 12.20% per year.
Back to Basics: PB Ratio
PICC Property and Casualty Co (FRA:PJC) 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.
PICC Property and Casualty Co PB Ratio Related Terms
PICC Property and Casualty Co 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 - Property & Casualty subindustry, PICC Property and Casualty 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.
PICC Property and Casualty Co PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, PICC Property and Casualty Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where PICC Property and Casualty Co's PB Ratio falls into.
PICC Property and Casualty 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.
* 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.
PICC Property and Casualty Co (FRA:PJC) has a PB Ratio of 1.00 as of Jun. 28, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on PICC Property and Casualty Co and its competitors. This is near median its historical median of 1.07. Over the past decade, PICC Property and Casualty Co's PB Ratio has ranged from 0.77 to 1.37. According to the industry distribution chart, PICC Property and Casualty Co ranks #166 out of 502 companies in the Insurance industry, placing it in the top 33.1%.
Is PICC Property and Casualty Co's PB Ratio too high?
PICC Property and Casualty Co's current PB Ratio of 1.00 is near median its 10-year median of 1.07. Over the past 10 years, this metric has ranged from a low of 0.77 to a high of 1.37. The Insurance industry median PB Ratio is 1.38. PICC Property and Casualty Co's value of 1.00 is 27.5% below this industry median. Based on the distribution chart, PICC Property and Casualty Co ranks #166 out of 502 companies in the Insurance industry, which is above the industry midpoint. Overall, PICC Property and Casualty Co has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PICC Property and Casualty Co's PB Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, PICC Property and Casualty Co ranks #166 out of 502 companies for PB Ratio. This puts PICC Property and Casualty Co in the upper half of its industry. The industry median PB Ratio is 1.38. PICC Property and Casualty Co's value of 1.00 is 27.5% below this benchmark. Historically, PICC Property and Casualty Co's own PB Ratio has ranged from 0.77 to 1.37 over the past decade. While the company's 10-year median is 1.07 vs. the industry median of 1.38, PICC Property and Casualty 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 1.38, based on 502 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. PICC Property and Casualty Co's current PB Ratio of 1.00 is 27.5% 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 PICC Property and Casualty Co and its competitors. For the Insurance industry, the median PB Ratio is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PICC Property and Casualty Co's current PB Ratio is 1.00, which is near median its own 10-year median of 1.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PICC Property and Casualty Co stock overvalued right now?
Based on GuruFocus' analysis, PICC Property and Casualty Co (FRA:PJC) is currently considered Fairly Valued. The stock's GF Value™ is €1.42, compared to a current price of €1.55 — trading 9.4% above its estimated fair value. The current PB Ratio is 1.00, which is near median its 10-year median of 1.07 and 27.5% below the Insurance industry median of 1.38. PICC Property and Casualty Co's overall GF Score™ is 72/100 with 1 warning sign 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 PICC Property and Casualty Co (FRA:PJC), the current PB Ratio is 1.00 as of Jun. 28, 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 PICC Property and Casualty Co (FRA:PJC) Overvalued in 2026?
Based on GuruFocus' analysis, PICC Property and Casualty Co stock appears to be overvalued.
The current stock price of €1.55 is trading 9.4% above its estimated GF Value™ of €1.42.
GuruFocus considers PICC Property and Casualty Co to be Fairly Valued.
Key valuation signals for FRA:PJC:
PB Ratio: 1.00 (near median its 10-year median of 1.07)
GF Value™: €1.42 vs. price of €1.55 (9.4% above fair value)
Industry Position: 27.5% below the Insurance median (#166 of 502)
No single metric tells the full story. See the FRA:PJC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PICC Property and Casualty Co Business Description
PICC P&C is headquartered in Beijing. The company is China's largest nonlife insurer, commanding nearly 33% domestic market share. Founded by the People's Bank of China in 1949, PICC P&C operates as the flagship subsidiary of PICC Group—a state-owned insurance holding company that retains a 69% equity stake. The company underwrites a comprehensive suite of nonlife insurance products spanning auto, commercial property, liability, credit and surety, accident and health, energy and aerospace, and agricultural lines.
72GF Score
Get the complete analysis for FRA:PJC
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
FRA:PJC has been successfully added to your 
