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China Pacific Insurance (Group) Co Ltd Class H (HK:2601)
:2601

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

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HK:2601

China Pacific Insurance (Group) Co

(2601)

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Outperform 79 (OpenAI - 5.2)
Rating:79Outperform
Price Target:
HK$44.00
â–²(14.58% Upside)
The score is driven primarily by attractive valuation (low P/E with a solid dividend yield) and strong fundamentals led by cash flow and improving TTM profitability. Technicals are supportive with price above key moving averages and positive MACD, while the key offset is the notable increase in leverage on the balance sheet.
Positive Factors
Cash Generation
Very strong operating cash flow and materially higher free cash flow provide durable internal funding for claims, reserves, dividends and strategic investments. High cash conversion (FCF ~0.98x net income) supports earnings quality and reduces dependence on external financing over the medium term.
Revenue and Profit Momentum
Sizable revenue expansion with rising net margins reflects improving underwriting results and/or investment returns. Sustained top-line momentum and margin improvement can enhance retained earnings, support reserve strength and enable reinvestment in distribution and product innovation over several quarters.
Diversified Business Model
A diversified mix—life, P&C, investment income and asset management—reduces reliance on any single revenue source. Broad product distribution and partnerships increase resilience across insurance cycles, smoothing earnings and supporting long-term market share in China’s large insurance market.
Negative Factors
Rising Balance-Sheet Leverage
A sharp increase in leverage meaningfully raises financial risk for an insurer, reducing buffer to absorb underwriting shocks or investment losses. Higher debt levels can constrain capital flexibility, increase funding costs and pressure solvency metrics if adverse market or claims events occur.
Free Cash Flow Variability
While current FCF is strong, historical variability indicates sensitivity to investment returns and underwriting cycles. Such swings complicate multi-year planning for dividends, buybacks and reserve funding, increasing uncertainty around sustainable cash returns to shareholders.
Operating Profitability Volatility
Uneven operating margins reflect cyclical underwriting and investment performance, reducing predictability of recurring earnings. Persistent volatility makes forecasting and capital allocation harder, and may force conservative reserving or capital cushions that limit growth initiatives in stressed periods.

China Pacific Insurance (Group) Co (2601) vs. iShares MSCI Hong Kong ETF (EWH)

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

Company DescriptionChina 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. The company offers life, health, and accident insurance products, etc.; liability insurance; credit and guarantee insurance; short-term health insurance and casualty insurance; property insurance; agricultural insurance; and individual and group pension and annuity products, as well as insurance funds investment and reinsurance services. It is also involved in the management of capital and insurance funds; outsourcing of fund management; and other asset management activities, as well as provision of advisory services relating to asset management. In addition, the company is involved in the property management and construction; real estate activities; elderly service and medical consulting services; and seniors and disabled care services. It sells its products directly, as well as through insurance agents and brokers, bancassurance, telemarketing, and internet Sales. The company was founded in 1991 and is headquartered in Shanghai, the People's Republic of China.
How the Company Makes MoneyChina Pacific Insurance generates revenue through multiple streams, primarily from premiums collected from its insurance policies. The company offers life insurance products, which include traditional life policies, health insurance, and annuities, generating substantial premium income. Additionally, its property and casualty insurance segment provides coverage for various risks, contributing further to its revenue. Beyond insurance premiums, the company also earns income through investment income generated from its significant investment portfolio, which includes stocks, bonds, and other financial instruments. Furthermore, China Pacific Insurance has established strategic partnerships and collaborations that enhance its distribution channels and customer outreach, thereby supporting its earnings growth. The combination of robust premium income, investment returns, and strategic partnerships positions the company for continued financial success.

China Pacific Insurance (Group) Co Earnings Call Summary

Earnings Call Date:Oct 30, 2024
(Q3-2024)
|
% Change Since: |
Next Earnings Date:Mar 27, 2026
Earnings Call Sentiment Neutral
The earnings call highlighted significant growth in net profit and new business value, alongside improved product mix and asset management growth. However, these positive aspects were balanced by challenges in CPIC Life revenue, a decrease in Group Channel GWP, and pressures on net investment yield, with additional impacts from catastrophes on P&C business.
Q3-2024 Updates
Positive Updates
Increased Net Profit
The group realized a net profit of CNY 38.3 billion, up 65.5% year-on-year.
Growth in CPIC P&C
CPIC P&C delivered CNY 145.2 billion in revenue, up 4.1% year-on-year.
Growth in New Business Value
CPIC Life's new business value was CNY 14.2 billion, up 37.9% year-on-year.
Improved Product Mix
The share of health protection and participating products doubled starting from September.
Growth in CPIC P&C Non-auto Premiums
Non-auto premiums grew by 12.2% year-on-year.
Asset Management Growth
Total AUM was CNY 2.58 trillion, 14.9% higher than the end of last year.
Negative Updates
Decline in CPIC Life Revenue
CPIC Life's revenue was CNY 62.3 billion, down 2.5% year-on-year.
Challenges in Group Channel
Group Channel's GWP decreased by 12.8% year-on-year.
Flat Combined Ratio
CPIC P&C's combined ratio was 98.7%, unchanged from the same period last year.
Pressure on Net Investment Yield
The net investment yield was 2.9%, down 0.1 percentage points year-on-year.
Impact of Catastrophes on P&C
Catastrophe losses impacted the combined ratio, particularly affecting non-auto insurance.
Company Guidance
In the Q3 2024 earnings call for CPIC Group, the executives provided a comprehensive overview of the company's performance metrics and strategic focuses. The group reported an insurance revenue of CNY 209.4 billion, a 2.3% increase year-on-year, with CPIC Life contributing CNY 62.3 billion, despite a 2.5% decrease, and CPIC P&C delivering CNY 145.2 billion, up 4.1%. The net profit soared to CNY 38.3 billion, marking a significant 65.5% rise. CPIC Life's new business value saw a remarkable 37.9% growth to CNY 14.2 billion, with a new business margin improvement of 6.2 percentage points, reaching 20.0%. The persistency ratios improved, with the 13-month ratio increasing to 97.5% and the 25-month ratio to 92.3%. The total assets under management rose by 14.9% to CNY 2.58 trillion, although the net investment yield slightly decreased by 0.1 percentage points to 2.9%. The call also highlighted strategies like "BIG HEALTH," "BIG REGION," and "BIG DATA" to enhance customer management and business quality, along with digital innovations in AI for auditing and claims processing. Looking forward, CPIC aims to maintain high-quality growth, optimize service processes, and focus on digital transformation and risk management.

China Pacific Insurance (Group) Co Financial Statement Overview

Summary
Fundamentals are solid overall, led by excellent cash generation (strong operating cash flow and higher free cash flow with good earnings-to-cash alignment) and improved TTM profitability with strong revenue growth. The main risk is balance-sheet leverage rising sharply in TTM (higher debt-to-equity), which increases financial risk despite improving ROE.
Income Statement
72
Positive
TTM (Trailing-Twelve-Months) shows strong top-line momentum (revenue up ~75% vs the prior period provided) with improved profitability, as net margin rose to ~13.2% from ~11.2% in 2024. Net income also stepped up (TTM ~54.0B vs 2024 ~45.0B). Offsetting this, operating profitability looks more volatile across years (notably uneven operating margin/EBITDA patterns in earlier periods), suggesting earnings quality and comparability can swing with underwriting and investment conditions.
Balance Sheet
58
Neutral
The balance sheet is large and expanding (assets ~3.36T in TTM vs ~2.83T in 2024), and returns on equity are solid-to-improving (TTM ~18.7% vs ~15.4% in 2024). The key risk is leverage: debt-to-equity jumps sharply in TTM (~0.76) compared with a very low level in 2024 (~0.04), indicating a meaningful increase in balance-sheet leverage that could reduce flexibility if markets or claims experience turn adverse.
Cash Flow
83
Very Positive
Cash generation is a clear strength: operating cash flow is very strong in TTM (~197.1B) and free cash flow increases materially (TTM ~218.1B vs ~150.5B in 2024). Free cash flow closely tracks reported earnings (free cash flow is ~0.98x net income in TTM and ~0.97x in 2024), supporting earnings quality. The main caveat is variability in free cash flow growth across the multi-year history (including declines in some years), which is common for insurers but can still create volatility.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue359.88B401.90B321.68B328.96B436.39B418.26B
Gross Profit251.63B401.84B321.67B301.03B406.09B378.77B
EBITDA60.88B60.21B314.87B320.92B38.77B37.05B
Net Income52.34B44.96B27.26B37.38B26.83B24.58B
Balance Sheet
Total Assets3.08T2.83T2.34T2.18T1.95T1.77T
Cash, Cash Equivalents and Short-Term Investments0.0029.36B30.93B748.22B677.93B617.04B
Total Debt214.56B13.01B13.38B12.72B13.10B13.42B
Total Liabilities2.76T2.52T2.08T1.94T1.71T1.55T
Stockholders Equity284.18B291.42B249.59B228.45B226.74B215.22B
Cash Flow
Free Cash Flow211.68B150.53B133.88B138.81B104.72B104.44B
Operating Cash Flow190.61B154.40B137.86B147.91B108.41B108.06B
Investing Cash Flow-262.19B-209.90B-161.36B-168.98B-66.09B-136.07B
Financing Cash Flow45.77B61.34B3.29B28.48B-31.37B21.45B

China Pacific Insurance (Group) Co Technical Analysis

Technical Analysis Sentiment
Positive
Last Price38.40
Price Trends
50DMA
34.38
Positive
100DMA
33.35
Positive
200DMA
29.82
Positive
Market Momentum
MACD
1.27
Positive
RSI
63.37
Neutral
STOCH
65.62
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:2601, the sentiment is Positive. The current price of 38.4 is above the 20-day moving average (MA) of 37.12, above the 50-day MA of 34.38, and above the 200-day MA of 29.82, indicating a bullish trend. The MACD of 1.27 indicates Positive momentum. The RSI at 63.37 is Neutral, neither overbought nor oversold. The STOCH value of 65.62 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:2601.

China Pacific Insurance (Group) Co Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
83
Outperform
HK$255.93B6.0034.37%5.24%49.90%203.77%
79
Outperform
HK$445.12B6.5218.41%3.28%15.08%23.13%
78
Outperform
$1.30T8.1614.53%4.25%10.20%19.74%
78
Outperform
$428.39B6.0917.99%3.05%9.40%79.93%
71
Outperform
HK$76.98B9.4210.74%1.81%23.64%36.32%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
62
Neutral
HK$454.70B16.2110.17%2.05%62.72%29.18%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
HK:2601
China Pacific Insurance (Group) Co
38.14
16.25
74.23%
HK:2318
Ping An Insurance Company of China
68.40
27.97
69.18%
HK:6030
CITIC Securities Co
27.78
7.14
34.62%
HK:0966
China Taiping Insurance Holdings Co
22.80
11.89
108.96%
HK:1339
People's Insurance Co (Group) of China
6.65
3.00
82.39%
HK:1336
New China Life Insurance Co., Ltd. Class H
60.70
38.32
171.22%

China Pacific Insurance (Group) Co Corporate Events

China Pacific Insurance Revamps Governance as Regulator Approves New Articles
Dec 23, 2025

China Pacific Insurance (Group) Co., Ltd. has obtained approval from China’s National Financial Regulatory Administration for amendments to its Articles of Association, adopted at an extraordinary general meeting in August 2025, with the revised charter taking effect upon regulatory sign‑off and now published via the Hong Kong Stock Exchange. As part of these governance changes, the company has formally dissolved its board of supervisors, transferring its powers and functions to the Audit and Related Party Transaction Control Committee of the Board in line with PRC company law and regulatory requirements, with all former supervisors stepping down without dispute, a move that streamlines oversight structures and may signal a shift toward a more board‑committee‑centric governance model for the insurer.

The most recent analyst rating on (HK:2601) stock is a Buy with a HK$36.00 price target. To see the full list of analyst forecasts on China Pacific Insurance (Group) Co stock, see the HK:2601 Stock Forecast page.

China Pacific Insurance Sets Out Board and Committee Structure
Dec 23, 2025

China Pacific Insurance (Group) Co., Ltd. announced the current composition of its board of directors, detailing the roles of executive, non-executive and independent non-executive directors, including Chairman Fu Fan and President Zhao Yonggang. The group also disclosed the membership structure of its five key board committees—covering audit and related-party transaction control, strategy and investment & ESG, nomination and remuneration, risk compliance, and technological innovation and consumer rights protection—clarifying which directors chair or sit on each committee, underscoring its governance framework and oversight structure for risk management, strategy, and stakeholder protection.

The most recent analyst rating on (HK:2601) stock is a Buy with a HK$36.00 price target. To see the full list of analyst forecasts on China Pacific Insurance (Group) Co stock, see the HK:2601 Stock Forecast page.

China Pacific Insurance Reports Growth in Premium Income for 2025
Dec 16, 2025

China Pacific Insurance (Group) Co., Ltd. announced that its subsidiary, China Pacific Life Insurance Co., Ltd., achieved a primary premium income of RMB250.322 billion from January to November 2025, marking a 9.4% increase year-on-year. Meanwhile, China Pacific Property Insurance Co., Ltd., another subsidiary, reported a primary premium income of RMB187.682 billion, with a slight year-on-year increase of 0.3%. These figures, although unaudited, indicate a positive growth trajectory for the company’s life insurance segment, while the property insurance segment shows marginal growth, reflecting the company’s stable position in the insurance market.

The most recent analyst rating on (HK:2601) stock is a Buy with a HK$36.00 price target. To see the full list of analyst forecasts on China Pacific Insurance (Group) Co stock, see the HK:2601 Stock Forecast page.

China Pacific Insurance to Host 2025 Investor Day on Asset Management Initiatives
Dec 9, 2025

China Pacific Insurance (Group) Co., Ltd. has announced an investor day event scheduled for December 10, 2025, focusing on asset management initiatives under the theme ‘Building a Resilient Asset Liability Management System across Economic Cycles.’ This event is expected to provide insights into the company’s strategic direction and its efforts to strengthen its asset management capabilities, potentially impacting its market positioning and stakeholder interests.

The most recent analyst rating on (HK:2601) stock is a Buy with a HK$38.00 price target. To see the full list of analyst forecasts on China Pacific Insurance (Group) Co stock, see the HK:2601 Stock Forecast page.

China Pacific Insurance Announces Approval of New Director Appointment
Dec 4, 2025

China Pacific Insurance (Group) Co., Ltd. has announced the approval of Ms. WANG Yuhua’s appointment as a non-executive director by the National Financial Regulatory Administration. This appointment, effective from December 2, 2025, signifies a strategic addition to the company’s board, potentially impacting its governance and strategic direction.

The most recent analyst rating on (HK:2601) stock is a Buy with a HK$38.00 price target. To see the full list of analyst forecasts on China Pacific Insurance (Group) Co stock, see the HK:2601 Stock Forecast page.

China Pacific Insurance Announces Board Composition and Committee Roles
Dec 4, 2025

China Pacific Insurance (Group) Co., Ltd. has announced the composition of its board of directors, highlighting the roles and functions of each member. This update includes the establishment of five board committees, which are crucial for strategic decision-making, risk management, and consumer protection, potentially enhancing the company’s governance and operational efficiency.

The most recent analyst rating on (HK:2601) stock is a Buy with a HK$38.00 price target. To see the full list of analyst forecasts on China Pacific Insurance (Group) Co stock, see the HK:2601 Stock Forecast page.

China Pacific Insurance Appoints New Employee Director
Nov 21, 2025

China Pacific Insurance (Group) Co., Ltd. has announced the election of Ms. Zhou Liyun as an employee director for the tenth session of its board. Her term will commence following the approval of the company’s Articles of Association by the National Financial Regulatory Administration. Ms. Zhou brings extensive experience from previous roles in various Shanghai-based organizations, and her appointment is expected to strengthen the company’s governance structure. Her remuneration details will be disclosed in the annual report as per regulatory requirements.

The most recent analyst rating on (HK:2601) stock is a Buy with a HK$38.00 price target. To see the full list of analyst forecasts on China Pacific Insurance (Group) Co stock, see the HK:2601 Stock Forecast page.

China Pacific Insurance Reports Growth in Premium Income for 2025
Nov 13, 2025

China Pacific Insurance (Group) Co., Ltd. announced that its subsidiary, China Pacific Life Insurance Co., Ltd., achieved a primary premium income of RMB241.322 billion from January to October 2025, marking a 9.9% increase year-on-year. Meanwhile, China Pacific Property Insurance Co., Ltd. reported a primary premium income of RMB173.567 billion, a slight increase of 0.4% compared to the previous year. These figures, although unaudited, indicate a positive growth trajectory for the company’s life insurance segment, while the property insurance segment shows modest growth, potentially impacting the company’s market positioning and stakeholder confidence.

The most recent analyst rating on (HK:2601) stock is a Buy with a HK$34.00 price target. To see the full list of analyst forecasts on China Pacific Insurance (Group) Co stock, see the HK:2601 Stock Forecast page.

China Pacific Insurance Reports Strong Q3 2025 Financial Performance
Oct 31, 2025

China Pacific Insurance (Group) Co., Ltd. announced its unaudited financial results for the third quarter of 2025, showing a substantial increase in operating income and profit before tax compared to the previous year. The company’s net profit grew by 35.2% for the quarter and 19.3% for the nine months ending September 2025, indicating strong financial performance. The report highlights a notable one-time profit impact due to the inclusion of Shanghai Ruiyongjing Real Estate Development Co., Ltd. as a subsidiary, which contributed significantly to the non-recurring profit. These results reflect the company’s robust operational capabilities and its strategic positioning in the market, potentially enhancing stakeholder confidence.

The most recent analyst rating on (HK:2601) stock is a Hold with a HK$35.00 price target. To see the full list of analyst forecasts on China Pacific Insurance (Group) Co stock, see the HK:2601 Stock Forecast page.

China Pacific Insurance Releases Q3 Solvency Report
Oct 30, 2025

China Pacific Insurance (Group) Co., Ltd. has released an overseas regulatory announcement in compliance with the Hong Kong Stock Exchange’s listing rules. The announcement, signed by Chairman Fu Fan, includes a summary of the third quarter solvency report for Pacific Health Insurance Co., Ltd., indicating the company’s ongoing regulatory transparency and commitment to maintaining solvency standards.

The most recent analyst rating on (HK:2601) stock is a Hold with a HK$35.00 price target. To see the full list of analyst forecasts on China Pacific Insurance (Group) Co stock, see the HK:2601 Stock Forecast page.

China Pacific Insurance Releases Q3 Solvency Report
Oct 30, 2025

China Pacific Insurance (Group) Co., Ltd. has released an overseas regulatory announcement in accordance with the Hong Kong Stock Exchange’s listing rules. The announcement, which includes a summary of the quarterly solvency report for Pacific Anxin Agricultural Insurance Co., Ltd. for the third quarter of 2025, is intended for informational purposes, reflecting the company’s commitment to transparency and regulatory compliance.

The most recent analyst rating on (HK:2601) stock is a Hold with a HK$35.00 price target. To see the full list of analyst forecasts on China Pacific Insurance (Group) Co stock, see the HK:2601 Stock Forecast page.

China Pacific Insurance Releases Q3 Solvency Report
Oct 30, 2025

China Pacific Insurance (Group) Co., Ltd. has released an overseas regulatory announcement in compliance with Hong Kong Stock Exchange rules. The announcement, dated October 31, 2025, includes a summary of the company’s quarterly solvency report for the third quarter of 2025, providing insights into the company’s financial health and regulatory compliance.

The most recent analyst rating on (HK:2601) stock is a Hold with a HK$35.00 price target. To see the full list of analyst forecasts on China Pacific Insurance (Group) Co stock, see the HK:2601 Stock Forecast page.

China Pacific Insurance Releases Q3 Solvency Report
Oct 30, 2025

China Pacific Insurance (Group) Co., Ltd. has released an overseas regulatory announcement in compliance with the Hong Kong Stock Exchange’s listing rules. The announcement includes a summary of the company’s quarterly solvency report for the third quarter of 2025, providing stakeholders with insights into the company’s financial health and regulatory compliance.

The most recent analyst rating on (HK:2601) stock is a Hold with a HK$35.00 price target. To see the full list of analyst forecasts on China Pacific Insurance (Group) Co stock, see the HK:2601 Stock Forecast page.

China Pacific Insurance Reports Strong Q3 2025 Financial Results
Oct 30, 2025

China Pacific Insurance (Group) Co., Ltd. has released its unaudited financial results for the third quarter of 2025, showing significant growth in key financial metrics. The company reported a 24.6% increase in operating income and an 85.7% rise in profit before tax compared to the same period in 2024. The net profit for the quarter rose by 35.2%, reflecting strong operational performance. The results indicate a robust financial position, with total assets increasing by 8.6% since the end of 2024. The inclusion of Shanghai Ruiyongjing Real Estate Development Co., Ltd. as a subsidiary contributed a one-time profit impact, enhancing the company’s financial standing.

The most recent analyst rating on (HK:2601) stock is a Hold with a HK$35.00 price target. To see the full list of analyst forecasts on China Pacific Insurance (Group) Co stock, see the HK:2601 Stock Forecast page.

China Pacific Insurance Announces Q3 2025 Results Presentation
Oct 21, 2025

China Pacific Insurance (Group) Co., Ltd. has announced a voluntary presentation of its 2025 third quarter results, scheduled for October 30, 2025. This initiative aims to provide investors with a comprehensive understanding of the company’s financial performance and operational status, with the Chairman and senior management available to address investor queries during a live streaming session.

The most recent analyst rating on (HK:2601) stock is a Hold with a HK$35.00 price target. To see the full list of analyst forecasts on China Pacific Insurance (Group) Co stock, see the HK:2601 Stock Forecast page.

China Pacific Insurance Schedules Board Meeting for Q3 Results
Oct 16, 2025

China Pacific Insurance (Group) Co., Ltd. announced that its board of directors will meet on 30 October 2025 to consider and approve the company’s third quarterly results for the nine months ended 30 September 2025. This meeting is significant for stakeholders as it will provide insights into the company’s financial performance and strategic direction for the remainder of the year.

The most recent analyst rating on (HK:2601) stock is a Hold with a HK$35.00 price target. To see the full list of analyst forecasts on China Pacific Insurance (Group) Co stock, see the HK:2601 Stock Forecast page.

China Pacific Insurance Reports Robust Growth in Life Insurance Premiums
Oct 16, 2025

China Pacific Insurance (Group) Co., Ltd. announced that its subsidiary, China Pacific Life Insurance Co., Ltd., reported an accumulated primary premium income of RMB232.436 billion for the period from January to September 2025, marking a 10.9% year-on-year increase. Meanwhile, China Pacific Property Insurance Co., Ltd., another subsidiary, achieved a primary premium income of RMB159.955 billion, reflecting a marginal increase of 0.1% compared to the previous year. These figures, although unaudited, indicate a robust growth in the life insurance segment, while the property insurance segment shows stability. This announcement underscores the company’s strong performance and strategic positioning in the competitive insurance market.

The most recent analyst rating on (HK:2601) stock is a Hold with a HK$35.00 price target. To see the full list of analyst forecasts on China Pacific Insurance (Group) Co stock, see the HK:2601 Stock Forecast page.

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: Jan 14, 2026