Ping An Insurance (Group) Co. of China (FRA:PZX) Risk Assessment

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:PZX Ping An Insurance (Group) Co. of China Ltd FRA:PZX
70 GF Score
Price €5.92
GF Value €5.25
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Ping An Insurance (Group) Co. of China Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Ping An Insurance (Group) Co. of China is: High Risk: High uncertainty with risk-return tradeoff.

Ping An Insurance (Group) Co. of China  (FRA:PZX) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Ping An Insurance (Group) Co. of China Risk Assessment Related Terms

FRA:PZX vs AFL, MET, PRU: Risk Assessment Comparison

For the Insurance - Life subindustry, Ping An Insurance (Group) Co. of China's Risk Assessment, along with its competitors' market caps and Risk Assessment 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.

Ping An Insurance (Group) Co. of China Risk Assessment vs Insurance Industry

For the Insurance industry and Financial Services sector, Ping An Insurance (Group) Co. of China's Risk Assessment distribution charts can be found below:

* The bar in red indicates where Ping An Insurance (Group) Co. of China's Risk Assessment falls into.


FRA:PZX
70GF Score
Ping An Insurance (Group) Co. of China Ltd FRA:PZX
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Ping An Insurance (Group) Co. of China (FRA:PZX) Overvalued in 2026?

Based on GuruFocus' analysis, Ping An Insurance (Group) Co. of China stock appears to be overvalued. The current stock price of €5.92 is trading 12.8% above its estimated GF Value™ of €5.25. GuruFocus considers Ping An Insurance (Group) Co. of China to be Modestly Overvalued.

Key valuation signals for FRA:PZX:

  • Risk Assessment:
  • GF Value™: €5.25 vs. price of €5.92 (12.8% above fair value)
  • GF Score™: 70/100 with 3 warning signs

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

Ping An Insurance (Group) Co. of China Business Description

Address No. 5033 Yitian Road, Ping An Finance Center, 47th, 48th, 109th, 110th, 111th and 112th Floors, Futian District, Guangdong Province, Shenzhen, CHN, 518033
Ping An Insurance was founded in 1988 and headquartered in Shenzhen. As an integrated financial service provider, the company offers healthcare services and integrated financial products. Ping An is China's second-largest life and P&C insurer. The company strives for an integrated financial services platform comprising life insurance, P&C insurance, banking, and other financial services. These business segments contributed 66%, 10%, 28%, and 1% of the company's pretax profits, respectively, in 2025.
70GF Score

Get the complete analysis for FRA:PZX

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

€5.92
Price
€5.25
GF Value