PINXF's PB Ratio is ranked better than 86.12% of 497
companies
in the Insurance industry
Industry Median: 1.38
vs PINXF: 0.61
During the past 12 months, The People's Insurance Co (Group) of China's average Book Value Per Share Growth Rate was 19.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 11.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 6.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 8.80% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of The People's Insurance Co (Group) of China was 44.60% per year. The lowest was 3.10% per year. And the median was 11.75% per year.
Back to Basics: PB Ratio
The People's Insurance Co (Group) of China (OTCPK:PINXF) 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.
The People's Insurance Co (Group) of China PB Ratio Related Terms
The People's Insurance Co (Group) of China 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.
The People's Insurance Co (Group) of China PB Ratio 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 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.
The People's Insurance Co (Group) of China PB Ratio vs Insurance Industry
The People's Insurance Co (Group) of China 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.
The People's Insurance Co (Group) of China (PINXF) has a PB Ratio of 0.66 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on The People's Insurance Co (Group) of China and its competitors. This is 16% above median its historical median of 0.57. Over the past decade, The People's Insurance Co (Group) of China's PB Ratio has ranged from 0.39 to 1.01. According to the industry distribution chart, The People's Insurance Co (Group) of China ranks #69 out of 497 companies in the Insurance industry, placing it in the top 13.9%.
Is The People's Insurance Co (Group) of China's PB Ratio too high?
The People's Insurance Co (Group) of China's current PB Ratio of 0.66 is 16% above median its 10-year median of 0.57. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 1.01. The Insurance industry median PB Ratio is 1.38. The People's Insurance Co (Group) of China's value of 0.66 is 52.2% below this industry median. Based on the distribution chart, The People's Insurance Co (Group) of China ranks #69 out of 497 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, The People's Insurance Co (Group) of China has a GF Score™ of 54/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The People's Insurance Co (Group) of China's PB Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, The People's Insurance Co (Group) of China ranks #69 out of 497 companies for PB Ratio. This places The People's Insurance Co (Group) of China in the top 14% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.38. The People's Insurance Co (Group) of China's value of 0.66 is 52.2% below this benchmark. Historically, The People's Insurance Co (Group) of China's own PB Ratio has ranged from 0.39 to 1.01 over the past decade. While the company's 10-year median is 0.57 vs. the industry median of 1.38, The People's Insurance Co (Group) of China 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 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. The People's Insurance Co (Group) of China's current PB Ratio of 0.66 is 52.2% 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 The People's Insurance Co (Group) of China 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. The People's Insurance Co (Group) of China's current PB Ratio is 0.66, which is 16% above median its own 10-year median of 0.57. 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?
Based on GuruFocus' analysis, The People's Insurance Co (Group) of China (PINXF) is currently considered Modestly Overvalued. The stock's GF Value™ is $0.59, compared to a current price of $0.66 — trading 11.9% above its estimated fair value. The current PB Ratio is 0.66, which is 16% above median its 10-year median of 0.57 and 52.2% below the Insurance industry median of 1.38. The People's Insurance Co (Group) of China's overall GF Score™ is 54/100 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 The People's Insurance Co (Group) of China (PINXF), the current PB Ratio is 0.66 as of Jun. 26, 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 The People's Insurance Co (Group) of China (PINXF) 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 $0.66 is trading 11.9% above its estimated GF Value™ of $0.59.
GuruFocus considers The People's Insurance Co (Group) of China to be Modestly Overvalued.
Key valuation signals for PINXF:
PB Ratio: 0.66 (16% above median its 10-year median of 0.57)
GF Value™: $0.59 vs. price of $0.66 (11.9% above fair value)
Industry Position: 52.2% below the Insurance median (#69 of 497)
No single metric tells the full story. See the PINXF 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%.
54GF Score
Get the complete analysis for PINXF
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
PINXF has been successfully added to your 
