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China Reinsurance (Group) Corp. Class H (HK:1508)
:1508

China Reinsurance (Group) Corp. Class H (1508) AI Stock Analysis

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HK:1508

China Reinsurance (Group) Corp. Class H

(1508)

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Outperform 71 (OpenAI - 4o)
Rating:71Outperform
Price Target:
HK$2.00
▲(25.00% Upside)
The overall stock score of 71 reflects strong valuation and positive technical indicators, which are slightly offset by the challenges in cash flow performance. The stock's undervaluation and positive market momentum are the most significant factors contributing to its score.
Positive Factors
Revenue Growth
The company's revenue growth rate of 9.16% indicates strong market demand and effective business strategies, supporting long-term expansion.
Operational Efficiency
The significant improvement in EBIT margin reflects enhanced operational efficiency, which can lead to sustained profitability and competitive advantage.
Financial Health
A low debt-to-equity ratio signifies strong financial health, providing flexibility for future investments and resilience against economic downturns.
Negative Factors
Cash Flow Challenges
The decline in operating cash flow suggests potential liquidity issues, which could impact the company's ability to fund operations and growth initiatives.
Free Cash Flow Decline
A negative free cash flow growth rate indicates reduced financial flexibility, potentially limiting the company's capacity to invest in new opportunities.
Profit Conversion
A low operating cash flow to net income ratio suggests challenges in converting profits into cash, which may affect the company's liquidity and operational funding.

China Reinsurance (Group) Corp. Class H (1508) vs. iShares MSCI Hong Kong ETF (EWH)

China Reinsurance (Group) Corp. Class H Business Overview & Revenue Model

Company DescriptionChina Reinsurance (Group) Corp. Class H (1508) is a leading reinsurance and insurance company based in China. It operates primarily in the reinsurance sector, offering a wide range of products and services including property and casualty reinsurance, life reinsurance, and various insurance solutions. With a strong focus on both domestic and international markets, China Re plays a critical role in providing risk management and financial stability to its clients across different industries.
How the Company Makes MoneyChina Reinsurance generates revenue primarily through its reinsurance and insurance operations. The company earns income by underwriting risks from insurance companies and businesses that seek coverage against potential losses. Key revenue streams include premiums collected from reinsurance contracts, investment income from managing its assets, and fees from various insurance products offered to clients. The company also benefits from strategic partnerships with domestic and international insurance firms, enhancing its market reach and operational capacity, which contributes to its overall earnings.

China Reinsurance (Group) Corp. Class H Financial Statement Overview

Summary
China Reinsurance (Group) Corp. Class H shows strong revenue growth and operational efficiency, with a low debt-to-equity ratio indicating solid financial health. However, the decline in cash flow poses potential liquidity challenges, which slightly dampens the overall financial performance score.
Income Statement
65
Positive
The income statement shows a mixed performance with a recent increase in total revenue from 94.96 billion to 103.66 billion, indicating a revenue growth rate of 9.16%. However, the net profit margin of 10.19% is moderate, and the EBIT margin has improved significantly to 96.47%, demonstrating strong operational efficiency. The absence of EBITDA in the most recent year limits a full assessment of operating performance.
Balance Sheet
70
Positive
The balance sheet reflects a solid financial position with a debt-to-equity ratio of 0.13, indicating low leverage. The equity ratio stands at 20.31%, suggesting a balanced capital structure. Return on equity is moderate at 10.22%, demonstrating effective use of equity but with room for improvement.
Cash Flow
55
Neutral
The cash flow statement reveals a decline in operating cash flow from 16.29 billion to 10.35 billion. The free cash flow growth rate is negative, declining from 15.86 billion to 9.91 billion. The operating cash flow to net income ratio is below 1 at 0.98, indicating potential challenges in converting profits into cash.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue103.25B85.54B94.96B88.27B163.95B168.10B
Gross Profit103.25B85.54B94.96B80.06B163.95B168.10B
EBITDA-85.92B17.04B3.28B1.85B10.38B10.25B
Net Income11.07B10.56B5.65B-324.64M5.95B5.71B
Balance Sheet
Total Assets516.45B508.35B459.73B424.73B499.80B453.58B
Cash, Cash Equivalents and Short-Term Investments0.0013.01B10.30B10.97B18.74B10.22B
Total Debt13.25B13.97B15.43B17.96B27.46B27.79B
Total Liabilities399.66B395.68B357.55B327.24B397.71B350.68B
Stockholders Equity107.10B103.26B93.25B86.02B92.71B93.03B
Cash Flow
Free Cash Flow14.99B9.91B15.86B11.31B9.12B32.34B
Operating Cash Flow15.45B10.35B16.29B11.71B9.56B33.24B
Investing Cash Flow-4.27B-18.56B-14.83B-6.80B-15.57B-47.34B
Financing Cash Flow-5.93B4.62B999.20M-12.20B14.01B7.96B

China Reinsurance (Group) Corp. Class H Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price1.60
Price Trends
50DMA
1.60
Positive
100DMA
1.57
Positive
200DMA
1.29
Positive
Market Momentum
MACD
<0.01
Positive
RSI
48.64
Neutral
STOCH
46.67
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:1508, the sentiment is Neutral. The current price of 1.6 is below the 20-day moving average (MA) of 1.62, above the 50-day MA of 1.60, and above the 200-day MA of 1.29, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 48.64 is Neutral, neither overbought nor oversold. The STOCH value of 46.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for HK:1508.

China Reinsurance (Group) Corp. Class H Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
72
Outperform
HK$51.03B6.919.76%5.80%8.20%42.29%
71
Outperform
€67.12B5.6211.12%3.32%2.54%17.80%
71
Outperform
$65.16B7.9710.74%1.94%23.64%36.32%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
61
Neutral
€85.82B14.035.22%2.61%30.38%2.63%
58
Neutral
€27.66B18.406.00%-2.69%-68.97%
51
Neutral
€15.95B20.057.22%19.01%64.43%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
HK:1508
China Reinsurance (Group) Corp. Class H
1.60
0.75
88.24%
HK:6060
ZhongAn Online P & C Insurance Co., Ltd
15.06
2.30
18.03%
HK:0966
China Taiping Insurance Holdings Co
18.15
6.10
50.68%
HK:0376
Yunfeng Financial Group Limited
3.37
2.30
214.95%
HK:6178
Everbright Securities Company Limited Class H
8.96
0.62
7.43%
HK:6963
Sunshine Insurance Group Co. Ltd.
3.61
0.92
34.20%

China Reinsurance (Group) Corp. Class H Corporate Events

China Reinsurance Announces Register Closure for 2025 EGM
Dec 3, 2025

China Reinsurance (Group) Corporation has announced the closure of its register of members in preparation for its second extraordinary general meeting (EGM) of 2025, scheduled for December 23, 2025. This closure will take place from December 18 to December 23, 2025, during which no share transfers will be processed. Shareholders listed on the register by December 23, 2025, will be eligible to attend and vote at the EGM. The meeting will address various resolutions, details of which will be communicated to shareholders in due course.

China Reinsurance Approves Key Governance Changes in 2025 EGM
Nov 28, 2025

China Reinsurance (Group) Corporation announced the successful conclusion of its first extraordinary general meeting of 2025, where several key resolutions were passed. These included amendments to the Articles of Association, the Rules of Procedures for both the General Meeting and the Board of Directors, and the abolishment of the Board of Supervisors. The resolutions were overwhelmingly supported by shareholders, indicating strong backing for the company’s strategic changes. This meeting reflects the company’s ongoing efforts to streamline governance and enhance operational efficiency, potentially impacting its industry positioning and stakeholder relations positively.

China Reinsurance Completes RMB4 Billion Bond Issuance to Boost Subsidiary’s Capital
Nov 13, 2025

China Reinsurance (Group) Corporation announced the successful issuance of RMB4.0 billion in capital supplementary bonds by its subsidiary, China Re P&C, in the National Interbank Bond Market. These ten-year fixed-rate bonds, with conditional redemption rights and varying coupon rates, aim to bolster the subsidiary’s capital, improve solvency, and support sustainable business growth.

China Reinsurance Announces 2025 Extraordinary General Meeting
Nov 13, 2025

China Reinsurance (Group) Corporation has announced its first extraordinary general meeting (EGM) of 2025, scheduled for November 28th in Beijing. The meeting will address several key resolutions, including amendments to the Articles of Association and the Rules of Procedures, as well as the abolishment of the Board of Supervisors. Additionally, the meeting will cover the remuneration of directors and supervisors for the year 2023. The announcement reflects the company’s ongoing efforts to streamline its governance structure and enhance operational efficiency, potentially impacting its strategic direction and stakeholder engagement.

China Reinsurance Proposes Abolishment of Board of Supervisors
Nov 13, 2025

China Reinsurance (Group) Corporation has announced the proposed abolishment of its Board of Supervisors, with the functions and powers being transferred to the audit committee of the Board. This change is subject to approval at the shareholders’ general meeting and aims to streamline corporate governance in line with regulatory requirements, potentially impacting the company’s operational oversight and stakeholder engagement.

China Reinsurance Announces Register Closure for 2025 EGM
Nov 10, 2025

China Reinsurance (Group) Corporation has announced the closure of its register of members to confirm shareholder entitlements for its first extraordinary general meeting of 2025, scheduled for November 28. This closure, from November 25 to November 28, 2025, will affect share transfers, and shareholders are required to ensure their registration by November 24 to participate and vote at the meeting.

China Reinsurance Proposes Amendments to Articles of Association
Oct 31, 2025

China Reinsurance (Group) Corporation has announced proposed amendments to its Articles of Association to align with the new Company Law of the People’s Republic of China and updated regulatory requirements. These changes include the removal of the Board of Supervisors, with its functions being transferred to the audit committee, and adjustments to the responsibilities of the chief compliance officer. The amendments are pending approval by the shareholders and the insurance regulatory authority, and aim to streamline corporate governance and compliance processes.

China Reinsurance Announces Key Leadership Change
Oct 31, 2025

China Reinsurance (Group) Corporation announced the resignation of Mr. Liu Yuanzhang from his roles as assistant to the president, secretary to the Board, and joint company secretary due to work re-arrangement, effective 31 October 2025. Mr. Liu confirmed no disagreements with the Board, and Ms. Ng Sau Mei will continue as the sole company secretary, ensuring compliance with Hong Kong Stock Exchange regulations.

China Reinsurance Reports Strong Solvency and Financial Performance in Q3 2025
Oct 30, 2025

China Reinsurance (Group) Corporation has released its solvency and financial performance indicators for the third quarter of 2025, highlighting a strong solvency position with a core solvency adequacy ratio of 324% at the group level. The company’s subsidiaries also demonstrate robust solvency ratios, reflecting a stable financial position. The group reported significant insurance income and net profits across its subsidiaries, indicating a solid operational performance. These results underscore the company’s strong market positioning and its ability to meet regulatory requirements, providing confidence to shareholders and investors.

China Reinsurance Discloses Q3 2025 Financial Data and Solvency Statement
Oct 29, 2025

China Reinsurance (Group) Corporation announced the unaudited financial data and solvency statement for its subsidiary, China Re P&C, for the nine months ended 30 September 2025. The company disclosed a comprehensive financial position with total assets amounting to RMB146.19 billion. The announcement highlights the company’s commitment to transparency and regulatory compliance by regularly disclosing financial data and solvency statements, which is crucial for maintaining stakeholder trust and ensuring market stability.

China Reinsurance Reports Nine-Month Financial Data and Solvency Statement
Oct 29, 2025

China Reinsurance (Group) Corporation announced the unaudited financial data and solvency statement for its subsidiary, China Re Life, for the nine months ending September 30, 2025. The company successfully issued RMB5.0 billion in capital supplementary bonds, necessitating quarterly disclosure of financial and solvency reports. This move is expected to enhance transparency and strengthen the company’s financial position, potentially impacting its market standing and stakeholder confidence.

China Reinsurance Announces Change in Hong Kong Process Agent
Sep 30, 2025

China Reinsurance (Group) Corporation has announced a change in its agent for the acceptance of service of process in Hong Kong due to the retirement of Ms. Luo Yawei. Effective from September 26, 2025, Mr. Zhou Jun will replace Ms. Luo Yawei as the new Process Agent, ensuring continuity in compliance with Hong Kong’s regulatory requirements.

China Re P&C Gains Approval for RMB4 Billion Bond Issuance
Sep 26, 2025

China Reinsurance (Group) Corporation announced that its subsidiary, China Re P&C, has received regulatory approvals to issue 10-year redeemable capital supplementary bonds up to RMB4.0 billion in the National Interbank Bond Market. This move is expected to enhance the company’s solvency and support the sustainable growth of its business operations.

China Reinsurance Announces Leadership Changes
Sep 18, 2025

China Reinsurance (Group) Corporation announced significant leadership changes with the resignation of Mr. He Chunlei as chairman of the board and executive director due to reaching the statutory retirement age. Mr. Zhuang Qianzhi has been appointed as the new chairman of the board, pending approval from the National Financial Regulatory Administration. These changes are expected to influence the company’s strategic direction and operational leadership, potentially impacting its market positioning and stakeholder relations.

China Reinsurance Announces Board Composition and Committee Roles
Sep 18, 2025

China Reinsurance (Group) Corporation announced the composition of its board of directors, which includes eight members with specific roles and functions. The board has established five specialized committees to oversee different aspects of the company’s operations, highlighting a structured approach to governance and strategic oversight.

China Reinsurance Secures Approval for New Independent Director, Strengthening Governance
Sep 12, 2025

China Reinsurance (Group) Corporation announced the approval of Mr. Keung Yui Fai as an independent non-executive director by the National Financial Regulatory Administration. This approval enables the company to comply with the Hong Kong Stock Exchange’s requirements for board composition, ensuring it has the requisite number of independent non-executive directors. The appointment also addresses previous regulatory compliance issues related to board composition and committee leadership, enhancing the company’s governance structure.

China Reinsurance Announces Board Composition and Committee Roles
Sep 12, 2025

China Reinsurance (Group) Corporation has announced the composition of its board of directors, which includes a mix of executive, non-executive, and independent non-executive directors. The board has established five specialized committees to oversee various aspects of the company’s operations, indicating a structured approach to governance and risk management.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Oct 23, 2025