The historical rank and industry rank for PICC Property and Casualty Co's ROE % or its related term are showing as below:
PPCCF'
s ROE % Range Over the Past 10 Years
Min: 5.74 Med: 13.02 Max: 16.1
Current: 5.74
During the past 13 years, PICC Property and Casualty Co's highest ROE % was 16.10%. The lowest was 5.74%. And the median was 13.02%.
PPCCF's ROE % is ranked worse than 75.79% of 504
companies
in the Insurance industry
Industry Median: 11.675
vs PPCCF: 5.74
PICC Property and Casualty Co (OTCPK:PPCCF) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Dec. 2025) net income data. The Revenue data used here is four times the quarterly (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
PICC Property and Casualty Co ROE % Related Terms
PICC Property and Casualty Co ROE % 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.
For the Insurance - Property & Casualty subindustry, PICC Property and Casualty Co's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, PICC Property and Casualty Co's ROE % distribution charts can be found below:
* The bar in red indicates where PICC Property and Casualty Co's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
PICC Property and Casualty Co (PPCCF) has a ROE % of 0.14% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on PICC Property and Casualty Co and its competitors. This is 99% below median its historical median of 13.02. Over the past decade, PICC Property and Casualty Co's ROE % has ranged from 5.74 to 16.10. According to the industry distribution chart, PICC Property and Casualty Co ranks #382 out of 504 companies in the Insurance industry, placing it in the top 75.8%.
Is PICC Property and Casualty Co's ROE % too high?
PICC Property and Casualty Co's current ROE % of 0.14% is 99% below median its 10-year median of 13.02. Over the past 10 years, this metric has ranged from a low of 5.74 to a high of 16.10. The Insurance industry median ROE % is 11.68. PICC Property and Casualty Co's value of 0.14% is 98.8% below this industry median. Based on the distribution chart, PICC Property and Casualty Co ranks #382 out of 504 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 82/100, reflecting its overall financial health beyond just this single metric.
How does PICC Property and Casualty Co's ROE % compare to CB and PGR?
According to the Insurance industry distribution chart, PICC Property and Casualty Co ranks #382 out of 504 companies for ROE %. This places PICC Property and Casualty Co in the lower half of its industry. The industry median ROE % is 11.68. PICC Property and Casualty Co's value of 0.14% is 98.8% below this benchmark. Historically, PICC Property and Casualty Co's own ROE % has ranged from 5.74 to 16.10 over the past decade. While the company's 10-year median is 13.02 vs. the industry median of 11.68, 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.68, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PICC Property and Casualty Co's current ROE % of 0.14% is 98.8% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on PICC Property and Casualty Co and its competitors. For the Insurance industry, the median ROE % is 11.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PICC Property and Casualty Co's current ROE % is 0.14%, which is 99% below median its own 10-year median of 13.02. 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 ROE % of 0.14%. The stock's GF Value™ is $1.77, compared to a current price of $1.96 — trading 10.7% above its estimated fair value. The current ROE % is 0.14%, which is 99% below median its 10-year median of 13.02 and 98.8% below the Insurance industry median of 11.68. PICC Property and Casualty Co's overall GF Score™ is 82/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For PICC Property and Casualty Co (PPCCF), the current ROE % is 0.14% 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 10.7% above its estimated GF Value™ of $1.77.
Key valuation signals for PPCCF:
ROE %: 0.14% (99% below median its 10-year median of 13.02)
GF Value™: $1.77 vs. price of $1.96 (10.7% above fair value)
Industry Position: 98.8% below the Insurance median (#382 of 504)
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.
82GF Score
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