Ping An Insurance (Group) Company of China, Ltd. (PIAIF)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Ping An Insurance (Group) Company of China, Ltd. (PIAIF) trades at $6.29. Ping An Insurance (Group) Company of China, Ltd. is a diversified financial services provider based in China. Market cap: $113.90B, Sector: Financial services.
Price live · AI analysis from Mar 16, 2026Analyst Coverage for PIAIF: PIAIF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates PIAIF against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
PIAIF: 1/1 perspectives are bearish.
How is this calculated? →Ping An Insurance (Group) Company of China, Ltd. (PIAIF) Financial Services Profile
Ping An Insurance (Group) Company of China, Ltd., founded in 1988, is a diversified financial services group offering insurance, banking, asset management, and technology solutions. Operating primarily in China, Ping An leverages its integrated platform to serve a large customer base, maintaining a significant market capitalization and a dividend yield of 4.24%.
What Is the Investment Thesis for PIAIF?
Ping An presents a compelling investment case based on its diversified business model and strong market position in China's financial services sector. The company's integrated platform, spanning insurance, banking, and technology, allows for cross-selling opportunities and enhanced customer loyalty. With a P/E ratio of 7.77 and a dividend yield of 4.24%, Ping An offers potential value and income. Growth catalysts include the expansion of its fintech and healthtech platforms, targeting China's growing middle class and increasing demand for digital financial services. However, investors may want to evaluate regulatory risks and the potential impact of economic slowdown in China. The company's ability to maintain its profit margin of 13.8% and leverage its technology investments will be crucial for future success.
Based on FMP financials and quantitative analysis
PIAIF Key Highlights
- Market capitalization of $113.90B reflects its significant presence in the financial services industry.
- P/E ratio of 7.77 indicates a potentially undervalued investment relative to its earnings.
- Profit margin of 13.8% demonstrates strong profitability and operational efficiency.
- Gross margin of 99.8% highlights the company's ability to manage costs effectively in its core businesses.
- Dividend yield of 4.24% provides an attractive income stream for investors.
Who Are PIAIF's Competitors?
PIAIF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AAGIY AIA Group Limited | $37.78 | +1.64% | $97.33B | 63 |
| AAIGF AIA Group Limited | $9.42 | +3.63% | $97.07B | 63 |
| ALIZF Allianz SE | $469.51 | -3.05% | $178.53B | 50 |
| BACHF Bank of China Limited | $0.65 | -4.46% | $210.40B | 54 |
| PUK Prudential plc | $28.07 | +1.87% | $35.02B | 67 |
| JXN-PA Jackson Financial Inc. | $25.40 | +0.19% | $7.30B | 64 |
| AEL American Equity Investment Life Holding Company | $56.47 | +0.55% | $4.49B | 64 |
| CTIHY China Taiping Insurance Holdings Company Limited | $68.96 | +0.00% | $9.91B | 62 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PIAIF's Key Strengths?
- Diversified financial services offerings.
- Large customer base in China.
- Strong technology platform.
- Established brand reputation.
What Are PIAIF's Weaknesses?
- Exposure to regulatory changes in China.
- Dependence on the Chinese economy.
- Potential for increased competition.
- Complexity of managing a large, diversified organization.
What Could Drive PIAIF Stock Higher?
- Expansion of fintech and healthtech platforms to drive revenue growth.
- Cross-selling initiatives across insurance, banking, and asset management segments.
- Potential regulatory changes in China's financial services sector.
- Strategic investments in technology and innovation to enhance competitiveness.
- Increasing demand for financial services from China's growing middle class.
What Are the Key Risks for PIAIF?
- Financial-distress signal — its Altman Z-Score of -0.14 sits in the distress zone (elevated bankruptcy risk).
- Economic slowdown in China impacting financial performance.
- Increased competition from domestic and international players.
- Regulatory risks and policy changes affecting business operations.
- Cybersecurity threats and data breaches compromising customer data.
- Fluctuations in interest rates and currency exchange rates.
What Are the Growth Opportunities for PIAIF?
- Expansion of Fintech and Healthtech Platforms: Ping An has a significant opportunity to grow its fintech and healthtech platforms, leveraging its existing customer base and technology capabilities. The market for digital financial services in China is rapidly expanding, driven by increasing internet penetration and mobile adoption. By offering innovative products and services through its online platforms, Ping An can attract new customers and increase customer engagement. This includes expanding its healthcare service platform to address the growing demand for online healthcare services. The market size for fintech and healthtech in China is projected to reach trillions of dollars in the coming years.
- Increased Penetration in Rural Areas: China's rural areas represent a significant untapped market for financial services. As income levels rise in rural areas, there is increasing demand for insurance, banking, and investment products. Ping An can expand its distribution network and tailor its products to meet the specific needs of rural customers. This includes offering microinsurance products and providing access to banking services through mobile platforms. The government's focus on rural development and financial inclusion creates a favorable environment for Ping An to expand its presence in these underserved markets. This expansion could unfold over the next 5-10 years.
- Cross-Selling Opportunities Across Business Segments: Ping An's diversified business model provides ample opportunities for cross-selling products and services to its existing customer base. By leveraging its integrated platform, Ping An can offer bundled products and personalized solutions that meet the diverse needs of its customers. This includes cross-selling insurance products to banking customers and vice versa. Effective cross-selling can increase customer loyalty and drive revenue growth. The company can leverage data analytics and customer insights to identify cross-selling opportunities and tailor its marketing efforts. This is an ongoing opportunity for Ping An.
- Strategic Investments in Technology and Innovation: Ping An can drive growth through strategic investments in technology and innovation. This includes investing in artificial intelligence, blockchain, and cloud computing to enhance its operational efficiency and develop new products and services. By leveraging these technologies, Ping An can improve customer experience, reduce costs, and gain a competitive advantage. The company can also invest in fintech startups and collaborate with technology partners to accelerate its innovation efforts. These investments should yield results within the next 3-5 years.
- Expansion of Asset Management Business: Ping An has the opportunity to grow its asset management business by offering a wider range of investment products and services to both individual and institutional investors. This includes expanding its offerings in areas such as private equity, real estate, and alternative investments. By leveraging its investment expertise and distribution network, Ping An can attract new clients and increase its assets under management. The growing wealth of China's middle class and the increasing demand for investment products create a favorable environment for Ping An to expand its asset management business. This expansion is expected to continue over the next several years.
What Opportunities Does PIAIF Have?
- Expansion into underserved rural markets.
- Growth of fintech and healthtech platforms.
- Cross-selling opportunities across business segments.
- Strategic investments in innovation.
What Threats Does PIAIF Face?
- Economic slowdown in China.
- Increased competition from domestic and international players.
- Regulatory risks and policy changes.
- Cybersecurity threats and data breaches.
What Are PIAIF's Competitive Advantages?
- Diversified business model spanning insurance, banking, and asset management.
- Large customer base and extensive distribution network in China.
- Integrated technology platform enhancing customer experience and operational efficiency.
- Strong brand recognition and reputation in the Chinese market.
- Significant investments in fintech and healthtech innovation.
What Does PIAIF Do?
Ping An Insurance (Group) Company of China, Ltd., established in 1988 and headquartered in Shenzhen, China, has evolved into a comprehensive financial services conglomerate. The company's initial focus on insurance has expanded to include banking, asset management, and technology-driven solutions. Ping An operates through several key segments: Life and Health Insurance, providing a range of life, health, and annuity products; Property and Casualty Insurance, offering auto and non-auto insurance; Banking, delivering loan and wealth management services; Trust, focusing on trust services and investment activities; and Securities, providing brokerage and investment banking services. Furthermore, Ping An has a Technology segment that offers financial and daily-life services through internet platforms. The company also engages in diverse activities such as real estate investment, IT outsourcing, and even expressway operation and consumer chemical production. With over 273,000 employees, Ping An serves a vast customer base in China, leveraging its integrated financial services platform to enhance customer experience and drive growth.
What Products and Services Does PIAIF Offer?
- Offers life and health insurance products to individuals and corporations.
- Provides property and casualty insurance, including auto and non-auto coverage.
- Delivers banking services, including loans, wealth management, and credit cards.
- Offers trust services and undertakes investment activities.
- Provides securities brokerage, trading, and investment banking services.
- Manages assets through investment management and finance lease services.
- Offers financial and daily-life services via internet platforms.
- Engages in real estate investment, IT outsourcing, and other related services.
How Does PIAIF Make Money?
- Generates revenue through premiums from life, health, and property insurance policies.
- Earns interest income from its banking operations, including loans and credit card services.
- Collects fees from asset management, trust, and securities services.
- Derives income from its technology platforms and related services.
- Receives investment income from its diverse investment portfolio.
What Industry Does PIAIF Operate In?
Ping An operates in China's rapidly evolving financial services industry, characterized by increasing demand for insurance, banking, and asset management products. The market is driven by a growing middle class and increasing urbanization. Competition is intense, with both domestic and international players vying for market share. Ping An differentiates itself through its integrated platform and technology-driven approach. The industry is also subject to regulatory changes and economic fluctuations, which can impact growth and profitability. The rise of fintech and digital banking is reshaping the competitive landscape, requiring companies like Ping An to innovate and adapt to changing customer preferences.
Who Are PIAIF's Key Customers?
- Individual customers seeking life, health, and property insurance.
- Corporate clients requiring insurance and financial services.
- Retail customers utilizing banking and wealth management services.
- Institutional investors seeking asset management services.
- Users of its online financial and daily-life service platforms.
ROE 13%Key Financial Metrics
Return on equity for Ping An Insurance (Group) Company of China, Ltd. stands at 13.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.9%, showing how much profit it generates from its asset base. PIAIF trades at a trailing price-to-earnings ratio of 6.70, below the Financial Services sector average of ~18x. Its free cash flow yield is 47.1%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 14.9%, the inverse of the P/E and a quick read on earnings relative to price.
Ping An Insurance (Group) Company of China, Ltd. (PIAIF) Valuation Context
Valued at $113.90B, PIAIF is classified as a large-cap stock.
Company Profile
Ping An Insurance (Group) Company of China, Ltd. operates in the Insurance - Diversified industry within the Financial Services sector. It is headquartered in Shenzhen, CN. The company is led by CEO Yonglin Xie. PIAIF has traded publicly since 2007.
F-Score 6/9Financial Health
Ping An Insurance (Group) Company of China, Ltd.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.14 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Ping An Insurance (Group) Company of China, Ltd. revenue of about $1.12T for fiscal 2026, with EPS near $8.40. The estimate reflects 8 contributing analysts.
PIAIF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Diversified financial services offerings.
- Large customer base in China.
- Strong technology platform.
- Established brand reputation.
Bear Case
- Exposure to regulatory changes in China.
- Dependence on the Chinese economy.
- Potential for increased competition.
- Complexity of managing a large, diversified organization.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
PIAIF Latest News
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Stocks That Hit 52-Week Lows On Tuesday
· Mar 24, 2020
PIAIF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for PIAIF.
Price Targets
Wall Street price target analysis for PIAIF.
PIAIF MoonshotScore
What does this score mean?
The MoonshotScore rates PIAIF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Yonglin Xie
Unknown
Information on Yonglin Xie's background is not available in the provided context. Without further details, it's challenging to provide a comprehensive overview of their career history, education, or previous roles. Typically, a CEO profile would include details about their academic qualifications, prior experience in the financial services industry, and any notable achievements before joining Ping An Insurance.
Track Record: Information on Yonglin Xie's track record is not available in the provided context. Assessing a CEO's track record typically involves examining key strategic decisions, company performance metrics under their leadership, and any significant milestones achieved during their tenure. Without specific data, it's impossible to evaluate their contributions to Ping An's success.
PIAIF OTC Market Information
The OTC Other tier represents the lowest tier of over-the-counter (OTC) markets, indicating that Ping An Insurance (Group) Company of China, Ltd. (PIAIF) may have limited regulatory oversight and reporting requirements compared to companies listed on major exchanges like the NYSE or NASDAQ. Companies in this tier often do not meet the minimum financial standards or disclosure requirements necessary for exchange listing. Investing in OTC Other stocks carries higher risks due to the potential for less transparency and greater price volatility. This tier is also known as the Pink Open Market.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited regulatory oversight and disclosure requirements.
- Potential for lower liquidity and wider bid-ask spreads.
- Increased price volatility and potential for manipulation.
- Higher risk of fraud or inadequate financial reporting.
- Limited access to company information and management.
- Verify the company's financial statements and audit reports.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Review the company's legal and regulatory filings.
- Understand the risks associated with investing in OTC stocks.
- Monitor trading volume and price activity.
- Consult with a financial advisor.
- Established operating history in the financial services industry.
- Significant market capitalization despite being OTC-listed.
- Presence in multiple business segments (insurance, banking, asset management).
- Large employee base indicating substantial operations.
- Dividend payments suggesting financial stability.
Ping An Insurance (Group) Company of China, Ltd. Financial Services Stock: Key Questions Answered
What does Ping An Insurance (Group) Company of China, Ltd. do?
Ping An Insurance (Group) Company of China, Ltd. operates as a diversified financial services provider, offering a comprehensive suite of products and services across insurance, banking, asset management, and technology sectors. Its insurance segment provides life, health, and property coverage, while its banking operations offer loans, wealth management, and credit card services. The company also manages assets through various investment vehicles and provides technology-driven solutions through its online platforms. Ping An's integrated business model allows it to serve a wide range of customers in China, leveraging its extensive distribution network and technology capabilities.
What are the main risks for PIAIF?
PIAIF faces several key risks, including regulatory changes in China's financial services sector, which could impact its business operations and profitability. Economic slowdown in China could reduce demand for financial products and services, affecting revenue growth. Increased competition from domestic and international players could erode market share and pressure margins. Cybersecurity threats and data breaches pose a risk to customer data and reputation. Fluctuations in interest rates and currency exchange rates could also impact financial performance. Investors should carefully consider these risks before investing in PIAIF.
What are the key factors to evaluate for PIAIF?
Evaluate PIAIF on fundamentals, analyst consensus, and risk factors. Not financial advice.
How frequently does PIAIF data refresh on this page?
PIAIF prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven PIAIF's recent stock price performance?
Ping An Insurance (Group) Company of China, Ltd. (PIAIF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified financial services offerings. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider PIAIF overvalued or undervalued right now?
Valuing Ping An Insurance (Group) Company of China, Ltd. (PIAIF) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying PIAIF?
Before investing in Ping An Insurance (Group) Company of China, Ltd. (PIAIF), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding PIAIF to a portfolio?
Key strength of Ping An Insurance (Group) Company of China, Ltd. (PIAIF): Diversified financial services offerings. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- AI analysis is pending for PIAIF, which may provide further insights.