CILJF (China Life Insurance Co) Retained Earnings: $73,100 Mil (As of Mar. 2026)

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CILJF China Life Insurance Co Ltd CILJF
63 GF Score
Price $3.49
GF Value $3.96
Valuation Modestly Undervalued
! 1 Warning Sign
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What is China Life Insurance Co Retained Earnings?

China Life Insurance Co CILJF +1.45% 63 Retained Earnings is $73,100 Mil as of Mar. 2026. GuruFocus rates CILJF with a GF Score™ of 63/100 and a GF Value™ of $3.96 (Modestly Undervalued). The stock has 1 warning sign investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. China Life Insurance Co's retained earnings for the quarter that ended in Mar. 2026 was $73,100 Mil.

China Life Insurance Co's quarterly retained earnings declined from Sep. 2025 ($72,108 Mil) to Dec. 2025 ($68,946 Mil) but then increased from Dec. 2025 ($68,946 Mil) to Mar. 2026 ($73,100 Mil).

China Life Insurance Co's annual retained earnings increased from Dec. 2023 ($37,596 Mil) to Dec. 2024 ($49,772 Mil) and increased from Dec. 2024 ($49,772 Mil) to Dec. 2025 ($68,946 Mil).


China Life Insurance Co  (OTCPK:CILJF) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


China Life Insurance Co Retained Earnings Historical Data

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The historical data trend for China Life Insurance Co's Retained Earnings 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 Life Insurance Co Retained Earnings Chart

China Life Insurance Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 31,564.07 28,929.53 37,595.59 49,772.28 68,946.36

China Life Insurance Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Retained Earnings 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 53,972.66 54,602.53 72,107.67 68,946.36 73,099.78
CILJF
63GF Score
China Life Insurance Co Ltd CILJF
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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China Life Insurance Co Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $73,100 Mil mean?
China Life Insurance Co (CILJF) has a Retained Earnings of $73,100 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on China Life Insurance Co and its competitors.
Is China Life Insurance Co's Retained Earnings too high?
China Life Insurance Co's current Retained Earnings is $73,100 Mil. Overall, China Life Insurance Co has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does China Life Insurance Co's Retained Earnings compare to AFL and MET?
China Life Insurance Co's Retained Earnings of $73,100 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for an Insurance company?
A good Retained Earnings depends on the Insurance industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on China Life Insurance Co and its competitors. China Life Insurance Co's current Retained Earnings is $73,100 Mil. 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 (CILJF) is currently considered Modestly Undervalued. The stock's GF Value™ is $3.96, compared to a current price of $3.49 — trading 11.9% below its estimated fair value. The current Retained Earnings is $73,100 Mil. China Life Insurance Co's overall GF Score™ is 63/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For China Life Insurance Co (CILJF), the current Retained Earnings is $73,100 Mil 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 (CILJF) Overvalued in 2026?

Based on GuruFocus' analysis, China Life Insurance Co stock appears to be undervalued. The current stock price of $3.49 is trading 11.9% below its estimated GF Value™ of $3.96. GuruFocus considers China Life Insurance Co to be Modestly Undervalued.

Key valuation signals for CILJF:

  • Retained Earnings: $73,100 Mil
  • GF Value™: $3.96 vs. price of $3.49 (11.9% below fair value)
  • GF Score™: 63/100 with 1 warning sign

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


China Life Insurance Co Business Description

Address 16, Financial Street, Xicheng District, Beijing, CHN, 100033
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.
63GF Score

Get the complete analysis for CILJF

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

$3.49
Price
$3.96
GF Value