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CHINA LIFE INSURANCE CO-ADR (LFC) Stock Fundamental Analysis

USA - New York Stock Exchange - NYSE:LFC - US16939P1066 - ADR

7.05 USD
-0.06 (-0.84%)
Last: 9/1/2022, 8:19:19 PM
6.92 USD
-0.13 (-1.84%)
After Hours: 9/1/2022, 8:19:19 PM
Fundamental Rating

2

Overall LFC gets a fundamental rating of 2 out of 10. We evaluated LFC against 148 industry peers in the Insurance industry. Both the profitability and financial health of LFC have multiple concerns. LFC is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

LFC had positive earnings in the past year.
LFC Yearly Net Income VS EBIT VS OCF VS FCFLFC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 100B 200B 300B

1.2 Ratios

Industry RankSector Rank
ROA 0.68%
ROE 7.37%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
LFC Yearly ROA, ROE, ROICLFC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 5 10

1.3 Margins

The Operating Margin and Gross Margin are not available for LFC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 4.24%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
LFC Yearly Profit, Operating, Gross MarginsLFC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2 4 6 8 10

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1

2. Health

2.1 Basic Checks

LFC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for LFC remains at a similar level compared to 1 year ago.
The debt/assets ratio for LFC has been reduced compared to a year ago.
LFC Yearly Shares OutstandingLFC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 1B 2B 3B 4B 5B
LFC Yearly Total Debt VS Total AssetsLFC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 1T 2T 3T 4T

2.2 Solvency

LFC has a Debt/Equity ratio of 0.11. This is a healthy value indicating a solid balance between debt and equity.
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC7.09%
LFC Yearly LT Debt VS Equity VS FCFLFC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 100B 200B 300B 400B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
LFC Yearly Current Assets VS Current LiabilitesLFC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 200B 400B 600B

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5

3. Growth

3.1 Past

LFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 139.52%, which is quite impressive.
The Earnings Per Share has been growing by 12.18% on average over the past years. This is quite good.
LFC shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -32.60%.
Measured over the past years, LFC shows a quite strong growth in Revenue. The Revenue has been growing by 9.32% on average per year.
EPS 1Y (TTM)139.52%
EPS 3Y66.55%
EPS 5Y12.18%
EPS Q2Q%230.88%
Revenue 1Y (TTM)-32.6%
Revenue growth 3Y10.07%
Revenue growth 5Y9.32%
Sales Q2Q%-66.61%

3.2 Future

The Earnings Per Share is expected to grow by 12.07% on average over the next years. This is quite good.
Based on estimates for the next years, LFC will show a small growth in Revenue. The Revenue will grow by 5.44% on average per year.
EPS Next Y-4.25%
EPS Next 2Y8.44%
EPS Next 3Y9.31%
EPS Next 5Y12.07%
Revenue Next Year-3.3%
Revenue Next 2Y1.25%
Revenue Next 3Y4.1%
Revenue Next 5Y5.44%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
LFC Yearly Revenue VS EstimatesLFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200B 400B 600B 800B
LFC Yearly EPS VS EstimatesLFC Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 5 10 15

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3

4. Valuation

4.1 Price/Earnings Ratio

LFC is valuated cheaply with a Price/Earnings ratio of 1.90.
The average S&P500 Price/Earnings ratio is at 27.00. LFC is valued rather cheaply when compared to this.
LFC is valuated cheaply with a Price/Forward Earnings ratio of 4.61.
LFC is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.70, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 1.9
Fwd PE 4.61
LFC Price Earnings VS Forward Price EarningsLFC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
LFC Per share dataLFC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.16
EPS Next 2Y8.44%
EPS Next 3Y9.31%

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0

5. Dividend

5.1 Amount

LFC does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CHINA LIFE INSURANCE CO-ADR

NYSE:LFC (9/1/2022, 8:19:19 PM)

After market: 6.92 -0.13 (-1.84%)

7.05

-0.06 (-0.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-25 2022-08-25/dmh
Earnings (Next)10-28 2022-10-28
Inst OwnersN/A
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap39.85B
Revenue(TTM)833.32B
Net Income(TTM)35.36B
Analysts65.93
Price Target5.68 (-19.43%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP77.57%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 1.9
Fwd PE 4.61
P/S 0.33
P/FCF N/A
P/OCF N/A
P/B 0.57
P/tB N/A
EV/EBITDA N/A
EPS(TTM)3.72
EY52.77%
EPS(NY)1.53
Fwd EY21.71%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS21.3
BVpS12.27
TBVpSN/A
PEG (NY)N/A
PEG (5Y)0.16
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA 0.68%
ROE 7.37%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 4.24%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y0%
ROICexgc growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.16
Health
Industry RankSector Rank
Debt/Equity 0.11
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC7.09%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)139.52%
EPS 3Y66.55%
EPS 5Y12.18%
EPS Q2Q%230.88%
EPS Next Y-4.25%
EPS Next 2Y8.44%
EPS Next 3Y9.31%
EPS Next 5Y12.07%
Revenue 1Y (TTM)-32.6%
Revenue growth 3Y10.07%
Revenue growth 5Y9.32%
Sales Q2Q%-66.61%
Revenue Next Year-3.3%
Revenue Next 2Y1.25%
Revenue Next 3Y4.1%
Revenue Next 5Y5.44%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

CHINA LIFE INSURANCE CO-ADR / LFC FAQ

What is the fundamental rating for LFC stock?

ChartMill assigns a fundamental rating of 5 / 10 to LFC.


What is the valuation status for LFC stock?

ChartMill assigns a valuation rating of 10 / 10 to CHINA LIFE INSURANCE CO-ADR (LFC). This can be considered as Undervalued.


What is the profitability of LFC stock?

CHINA LIFE INSURANCE CO-ADR (LFC) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for LFC stock?

The Price/Earnings (PE) ratio for CHINA LIFE INSURANCE CO-ADR (LFC) is 1.9 and the Price/Book (PB) ratio is 0.57.


What is the financial health of CHINA LIFE INSURANCE CO-ADR (LFC) stock?

The financial health rating of CHINA LIFE INSURANCE CO-ADR (LFC) is 3 / 10.