China Pacific Insurance (Group) Co (2601) AI Stock Analysis

• Market Cap: HK$389.47B
• Dividend Yield: 3.28%
• Average Volume (3M): 16.70M
• Price to Earnings (P/E): 9.9
• Beta (1Y): 1.32
• Revenue Growth: 15.08%
• EPS Growth: 23.13%
• Country: HK
• Employees: 94,990
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Life
• EPS (TTM): 2.93
• Shares Outstanding: 2,775,300,000
• 10 Day Avg. Volume: 14,634,079
• 30 Day Avg. Volume: 16,702,618
• PEG Ratio: 0.36
• Price to Book (P/B): 1.01
• Price to Sales (P/S): 0.81
• P/FCF Ratio: 1.18
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: HK$40.00
• Price Target Upside: 16.01% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): 5.39
• Revenue Forecast (FY): HK$463.10B

• Rating: 71 Outperform
• Price Target: HK$35.00 ▲(1.51% Upside)
• Action: Reiterated Date: 03/27/26
• Date: Action: Reiterated 03/27/26

The score is driven primarily by strong financial performance (especially robust free cash flow and improving margins) and very compelling valuation (low P/E plus a solid dividend). These positives are partly offset by weak technical signals (below major moving averages with negative MACD) and a notable increase in leverage (debt-to-equity rising to 0.76).

Positive Factors

Cash Generation

Very large and consistently positive operating and free cash flow support durable capital availability for claims, reinvestment, dividends, and buybacks. FCF tracking nearly 1x net income indicates earnings quality and ability to fund operations without relying on external financing over the medium term.

Negative Factors

Higher Leverage

A material rise in debt-to-equity represents a structural shift in balance-sheet risk, reducing financial flexibility and increasing vulnerability to higher funding costs or rating pressure. This constrains capital management options and raises long-term solvency and liquidity risk under stress scenarios.

China Pacific Insurance (Group) Co Business Overview & Revenue Model

Company Description

China Pacific Insurance (Group) Co., Ltd., together with its subsidiaries, offers insurance products in the People's Republic of China. It operates through Life and Health Insurance, Property and Casualty Insurance, and Other Businesses segments. ...

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China Pacific Insurance (Group) Co., Ltd., together with its subsidiaries, offers insurance products in the People's Republic of China. It operates through Life and Health Insurance, Property and Casualty Insurance, and Other Businesses segments. ...

How the Company Makes Money

China Pacific Insurance (Group) Co., Ltd. primarily makes money through (1) underwriting income and (2) investment income, supplemented by fee-based income from asset management and other insurance-related services. 1) Underwriting income (insura...

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China Pacific Insurance (Group) Co., Ltd. primarily makes money through (1) underwriting income and (2) investment income, supplemented by fee-based income from asset management and other insurance-related services. 1) Underwriting income (insura...

China Pacific Insurance (Group) Co Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	376.40B	401.90B	321.68B	328.96B	436.39B
Gross Profit	376.40B	401.84B	321.67B	301.03B	406.09B
EBITDA	68.52B	60.21B	314.87B	320.92B	38.77B
Net Income	52.12B	44.96B	27.26B	37.38B	26.83B
Balance Sheet
Total Assets	3.15T	2.83T	2.34T	2.18T	1.95T
Cash, Cash Equivalents and Short-Term Investments	77.49B	29.36B	30.93B	748.22B	677.93B
Total Debt	243.44B	13.01B	13.38B	12.72B	13.10B
Total Liabilities	2.81T	2.52T	2.08T	1.94T	1.71T
Stockholders Equity	302.27B	291.42B	249.59B	228.45B	226.74B
Cash Flow
Free Cash Flow	258.31B	150.53B	133.88B	138.81B	104.72B
Operating Cash Flow	262.49B	154.40B	137.86B	147.91B	108.41B
Investing Cash Flow	-251.64B	-209.90B	-161.36B	-168.98B	-66.09B
Financing Cash Flow	35.74B	61.34B	3.29B	28.48B	-31.37B

China Pacific Insurance (Group) Co Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 34.48
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:2601, the sentiment is Negative. The current price of 34.48 is above the 20-day moving average (MA) of 33.19, below the 50-day MA of 35.85, and above the 200-day MA of 33.22, indicating a bearish trend. The MACD of -0.94 indicates Negative momentum. The RSI at 45.86 is Neutral, neither overbought nor oversold. The STOCH value of 57.73 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HK:2601.

China Pacific Insurance (Group) Co Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
2628	73 Outperform	HK$1.04T	4.51	31.07%	3.42%	17.69%	126.41%
2601	71 Outperform	HK$389.47B	9.89	18.91%	3.28%	15.08%	23.13%
0966	70 Outperform	HK$75.91B	2.48	29.19%	1.81%	23.64%	36.32%
2328	70 Outperform	HK$322.74B	8.31	14.21%	3.77%	6.42%	66.35%
1336	70 Outperform	HK$189.23B	4.31	38.67%	5.24%	49.90%	203.77%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
2318	65 Neutral	HK$1.14T	8.07	14.77%	4.25%	10.20%	19.74%

China Pacific Insurance (Group) Co Corporate Events