PINXF's Return-on-Tangible-Equity is ranked worse than 72.8% of 500
companies
in the Insurance industry
Industry Median: 13.53
vs PINXF: 6.75
The People's Insurance Co (Group) of China (OTCPK:PINXF) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
The People's Insurance Co (Group) of China Return-on-Tangible-Equity Related Terms
The People's Insurance Co (Group) of China Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
The People's Insurance Co (Group) of China Annual Data
PINXF vs CB, PGR, TRV: Return-on-Tangible-Equity Comparison
For the Insurance - Property & Casualty subindustry, The People's Insurance Co (Group) of China's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, The People's Insurance Co (Group) of China's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where The People's Insurance Co (Group) of China's Return-on-Tangible-Equity falls into.
* 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of -0.81% mean?
The People's Insurance Co (Group) of China (PINXF) has a Return-on-Tangible-Equity of -0.81% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on The People's Insurance Co (Group) of China and its competitors. Over the past decade, The People's Insurance Co (Group) of China's Return-on-Tangible-Equity has ranged from 6.75 to 16.50. According to the industry distribution chart, The People's Insurance Co (Group) of China ranks #364 out of 500 companies in the Insurance industry, placing it in the top 72.8%.
Is The People's Insurance Co (Group) of China's Return-on-Tangible-Equity too high?
The People's Insurance Co (Group) of China's current Return-on-Tangible-Equity is -0.81%. Over the past 10 years, this metric has ranged from a low of 6.75 to a high of 16.50. Based on the distribution chart, The People's Insurance Co (Group) of China ranks #364 out of 500 companies in the Insurance industry, which is below the industry midpoint. Overall, The People's Insurance Co (Group) of China has a GF Score™ of 56/100 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 Return-on-Tangible-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, The People's Insurance Co (Group) of China ranks #364 out of 500 companies for Return-on-Tangible-Equity. This places The People's Insurance Co (Group) of China in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.53. Historically, The People's Insurance Co (Group) of China's own Return-on-Tangible-Equity has ranged from 6.75 to 16.50 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.53, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on The People's Insurance Co (Group) of China and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.53 — 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 Return-on-Tangible-Equity is -0.81%. 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 $0.54, compared to a current price of $0.63 — trading 16.7% above its estimated fair value. The current Return-on-Tangible-Equity is -0.81%. The People's Insurance Co (Group) of China's overall GF Score™ is 56/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For The People's Insurance Co (Group) of China (PINXF), the current Return-on-Tangible-Equity is -0.81% as of Dec. 2025. 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 $0.63 is trading 16.7% above its estimated GF Value™ of $0.54.
GuruFocus considers The People's Insurance Co (Group) of China to be Modestly Overvalued.
Key valuation signals for PINXF:
Return-on-Tangible-Equity: -0.81%
GF Value™: $0.54 vs. price of $0.63 (16.7% above fair value)
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%.
56GF Score
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