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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
China Life Insurance Co's 3-Year RORE % for the quarter that ended in Mar. 2026 was 37.62%.
The industry rank for China Life Insurance Co's 3-Year RORE % or its related term are showing as below:
CILJF's 3-Year RORE % is ranked better than 78.98% of 471
companies
in the Insurance industry
Industry Median: 11.68
vs CILJF: 37.62
China Life Insurance Co (OTCPK:CILJF) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
China Life Insurance Co 3-Year RORE % Related Terms
China Life Insurance Co 3-Year RORE % 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 - Life subindustry, China Life Insurance Co's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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.
China Life Insurance Co 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, China Life Insurance Co's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where China Life Insurance Co's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
China Life Insurance Co (CILJF) has a 3-Year RORE % of 37.62 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on China Life Insurance Co and its competitors. According to the industry distribution chart, China Life Insurance Co ranks #99 out of 471 companies in the Insurance industry, placing it in the top 21%.
Is China Life Insurance Co's 3-Year RORE % too high?
China Life Insurance Co's current 3-Year RORE % is 37.62. The Insurance industry median 3-Year RORE % is 11.68. China Life Insurance Co's value of 37.62 is 222.1% above this industry median. Based on the distribution chart, China Life Insurance Co ranks #99 out of 471 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 3-Year RORE % compare to AFL and MET?
According to the Insurance industry distribution chart, China Life Insurance Co ranks #99 out of 471 companies for 3-Year RORE %. This places China Life Insurance Co in the top 21% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 11.68. China Life Insurance Co's value of 37.62 is 222.1% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for an Insurance company?
The median 3-Year RORE % among Insurance companies is 11.68, based on 471 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. China Life Insurance Co's current 3-Year RORE % of 37.62 is 222.1% above 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on China Life Insurance Co and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. China Life Insurance Co's current 3-Year RORE % is 37.62. 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 3-Year RORE % is 37.62 and 222.1% above the Insurance industry median of 11.68. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For China Life Insurance Co (CILJF), the current 3-Year RORE % is 37.62 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:
3-Year RORE %: 37.62
GF Value™: $3.96 vs. price of $3.49 (11.9% below fair value)
Industry Position: 222.1% above the Insurance median (#99 of 471)
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.
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
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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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