PICC Property and Casualty CoPPCCF 77 Return-on-Tangible-Equity is 0.15% as of Dec. 2025, which is 99% below its 10-year median of 13.13. GuruFocus rates PPCCF with a GF Score™ of 77/100 and a GF Value™ of $1.82. The stock has 1 warning sign investors should review. Among 500 Insurance companies, PICC Property and Casualty Co ranks worse than 78% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. PICC Property and Casualty Co's annualized net income for the quarter that ended in Dec. 2025 was $58 Mil. PICC Property and Casualty Co's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $40,029 Mil. Therefore, PICC Property and Casualty Co's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 0.15%.
The historical rank and industry rank for PICC Property and Casualty Co's Return-on-Tangible-Equity or its related term are showing as below:
PPCCF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.81 Med: 13.13 Max: 16.51
Current: 5.81
During the past 13 years, PICC Property and Casualty Co's highest Return-on-Tangible-Equity was 16.51%. The lowest was 5.81%. And the median was 13.13%.
PPCCF's Return-on-Tangible-Equity is ranked worse than 78% of 500
companies
in the Insurance industry
Industry Median: 13.515
vs PPCCF: 5.81
PICC Property and Casualty Co (OTCPK:PPCCF) 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.
PICC Property and Casualty Co Return-on-Tangible-Equity Related Terms
PICC Property and Casualty Co 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.
PICC Property and Casualty Co Return-on-Tangible-Equity Chart
PPCCF vs CB, PGR, TRV: Return-on-Tangible-Equity Comparison
For the Insurance - Property & Casualty subindustry, PICC Property and Casualty Co'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.
PICC Property and Casualty Co Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, PICC Property and Casualty Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where PICC Property and Casualty Co'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 0.15% mean?
PICC Property and Casualty Co (PPCCF) has a Return-on-Tangible-Equity of 0.15% 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 PICC Property and Casualty Co and its competitors. This is 99% below median its historical median of 13.13. Over the past decade, PICC Property and Casualty Co's Return-on-Tangible-Equity has ranged from 5.81 to 16.51. According to the industry distribution chart, PICC Property and Casualty Co ranks #390 out of 500 companies in the Insurance industry, placing it in the top 78%.
Is PICC Property and Casualty Co's Return-on-Tangible-Equity too high?
PICC Property and Casualty Co's current Return-on-Tangible-Equity of 0.15% is 99% below median its 10-year median of 13.13. Over the past 10 years, this metric has ranged from a low of 5.81 to a high of 16.51. The Insurance industry median Return-on-Tangible-Equity is 13.52. PICC Property and Casualty Co's value of 0.15% is 98.9% below this industry median. Based on the distribution chart, PICC Property and Casualty Co ranks #390 out of 500 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, PICC Property and Casualty Co has a GF Score™ of 77/100, reflecting its overall financial health beyond just this single metric.
How does PICC Property and Casualty Co's Return-on-Tangible-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, PICC Property and Casualty Co ranks #390 out of 500 companies for Return-on-Tangible-Equity. This places PICC Property and Casualty Co in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.52. PICC Property and Casualty Co's value of 0.15% is 98.9% below this benchmark. Historically, PICC Property and Casualty Co's own Return-on-Tangible-Equity has ranged from 5.81 to 16.51 over the past decade. While the company's 10-year median is 13.13 vs. the industry median of 13.52, 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 Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.52, 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. PICC Property and Casualty Co's current Return-on-Tangible-Equity of 0.15% is 98.9% 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 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 PICC Property and Casualty Co and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PICC Property and Casualty Co's current Return-on-Tangible-Equity is 0.15%, which is 99% below median its own 10-year median of 13.13. 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?
PICC Property and Casualty Co (PPCCF) has a current Return-on-Tangible-Equity of 0.15%. The stock's GF Value™ is $1.82, compared to a current price of $1.96 — trading 7.7% above its estimated fair value. The current Return-on-Tangible-Equity is 0.15%, which is 99% below median its 10-year median of 13.13 and 98.9% below the Insurance industry median of 13.52. PICC Property and Casualty Co's overall GF Score™ is 77/100 with 1 warning sign 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 PICC Property and Casualty Co (PPCCF), the current Return-on-Tangible-Equity is 0.15% 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 PICC Property and Casualty Co (PPCCF) Overvalued in 2026?
Based on GuruFocus' analysis, PICC Property and Casualty Co stock appears to be overvalued.
The current stock price of $1.96 is trading 7.7% above its estimated GF Value™ of $1.82.
Key valuation signals for PPCCF:
Return-on-Tangible-Equity: 0.15% (99% below median its 10-year median of 13.13)
GF Value™: $1.82 vs. price of $1.96 (7.7% above fair value)
Industry Position: 98.9% below the Insurance median (#390 of 500)
No single metric tells the full story. See the PPCCF 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.
77GF Score
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