Ping An Insurance (Group) Company of China, Ltd. Class H (82318) AI Stock Analysis

• Market Cap: $945.21B
• Dividend Yield: 50.52%
• Average Volume (3M): 212.58K
• Price to Earnings (P/E): 7.1
• Beta (1Y): 1.53
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: HK
• Employees: 273,053
• Sector: Financial
• Sector Strength: 75
• Industry: Insurance - Diversified
• EPS (TTM): N/A
• Shares Outstanding: 7,447,577,000
• 10 Day Avg. Volume: 281,000
• 30 Day Avg. Volume: 212,583
• PEG Ratio: 0.71
• Price to Book (P/B): 0.96
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 1.25
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 83 Outperform
• Price Target: $55.00 ▲(19.70%Upside)

The stock's strong valuation and bullish technical analysis are the most significant factors contributing to its high score. Financial performance shows potential, but is tempered by operational challenges and high leverage. The lack of earnings call data and corporate events does not impact the score.

Ping An Insurance (Group) Company of China, Ltd. Class H Business Overview & Revenue Model

Company Description

Ping An Insurance (Group) Company of China, Ltd. Class H (82318) is a leading Chinese financial services conglomerate, primarily engaged in the insurance, banking, and financial services sectors. Founded in 1988 and headquartered in Shenzhen, China, Ping An offers a comprehensive suite of products, including life and health insurance, property and casualty insurance, banking, and asset management services. The company is renowned for its innovative approach in integrating technology with financial services, leveraging advancements in artificial intelligence, blockchain, and cloud computing to enhance customer experience and operational efficiency.

How the Company Makes Money

Ping An Insurance generates revenue through a diversified portfolio of financial services. The primary revenue streams include premiums from life and health insurance, as well as property and casualty insurance. The company also earns significant income from its banking operations, which involve retail and corporate banking services, wealth management, and investment products. Additionally, Ping An benefits from its asset management businesses, which include investment advisory services and the management of investment funds. The company’s strategic partnerships with technology firms and its focus on digital transformation contribute to its ability to cross-sell services and reach a broader customer base, thereby enhancing its overall profitability.

Ping An Insurance (Group) Company of China, Ltd. Class H Financial Statement Overview

Summary

Ping An Insurance demonstrates mixed financial health. While cash flow performance is strong, operational challenges are evident in the income statement. The balance sheet shows high leverage but remains supported by a stable equity base. Continued focus on operational efficiency and debt management is advisable.

Income Statement

The company has demonstrated a fluctuating revenue trajectory with recent declines. The TTM gross profit margin is robust, but the net profit margin has decreased due to negative EBIT, signaling operational challenges. Despite these setbacks, the historical growth in EBITDA indicates underlying strength.

Balance Sheet

The debt-to-equity ratio is relatively high, indicating significant leverage, which could pose financial risks. However, the equity ratio remains stable, reflecting a sound equity base. ROE is positive, highlighting effective use of equity to generate profits.

Cash Flow

Strong free cash flow growth with high free cash flow to net income ratio underscores efficient cash utilization. Operating cash flow coverage of net income is solid, showcasing robust cash generation capabilities despite previous fluctuations.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	822.03B	744.91B	906.88B	985.74B	1.06T	1.09T
Gross Profit	892.61B	916.62B	78.49B	985.74B	1.06T	1.09T
EBITDA	198.35B	207.86B	166.21B	123.40B	214.40B	282.62B
Net Income	116.91B	126.61B	85.67B	83.77B	101.62B	143.10B
Balance Sheet
Total Assets	13.18T	12.96T	11.58T	11.14T	10.14T	9.53T
Cash, Cash Equivalents and Short-Term Investments	1.02T	950.37B	797.92B	746.52B	630.51B	597.30B
Total Debt	1.30T	1.40T	1.49T	1.48T	1.59T	1.42T
Total Liabilities	11.84T	11.65T	10.35T	9.96T	9.06T	8.54T
Stockholders Equity	939.73B	928.60B	899.01B	858.67B	812.40B	762.56B
Cash Flow
Free Cash Flow	543.72B	375.80B	352.59B	477.03B	77.93B	302.08B
Operating Cash Flow	342.66B	382.47B	360.40B	485.90B	90.12B	312.07B
Investing Cash Flow	-558.87B	-416.25B	-104.00B	-224.05B	27.93B	-447.14B
Financing Cash Flow	-39.40B	30.95B	-222.06B	-230.66B	-136.41B	260.64B

Ping An Insurance (Group) Company of China, Ltd. Class H Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 45.95
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:82318, the sentiment is Positive. The current price of 45.95 is above the 20-day moving average (MA) of 44.49, above the 50-day MA of 43.10, and above the 200-day MA of 41.54, indicating a bullish trend. The MACD of 0.95 indicates Negative momentum. The RSI at 62.11 is Neutral, neither overbought nor oversold. The STOCH value of 74.28 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:82318.

Ping An Insurance (Group) Company of China, Ltd. Class H Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
82318	83 Outperform	$945.21B	7.11		50.52%	―	―
1339	78 Outperform	HK$372.91B	5.39	17.85%	4.55%	4.62%	81.63%
1299	78 Outperform	$720.23B	14.03	16.75%	3.87%	7.04%	88.41%
1336	75 Outperform	HK$183.32B	4.70	26.08%	5.05%	-43.77%	―
2628	75 Outperform	$1.04T	4.56	22.83%	2.63%	5.96%	124.20%
2601	70 Outperform	$361.65B	5.84	16.47%	4.15%	11.99%	54.60%
Sector *	58 Neutral	HK$91.09B	5.21	-3.21%	5.20%	7.36%	-55.21%