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

NYSE:LFC - New York Stock Exchange, Inc. - US16939P1066 - ADR - Currency: USD

7.05  -0.06 (-0.84%)

After market: 6.92 -0.13 (-1.84%)

Fundamental Rating

2

Taking everything into account, LFC scores 2 out of 10 in our fundamental rating. LFC was compared to 143 industry peers in the Insurance industry. LFC may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, LFC is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year LFC was profitable.
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 2015 2016 2017 2018 2019 2020 2021 0 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 2015 2016 2017 2018 2019 2020 2021 5 10

1.3 Margins

LFC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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 2015 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.
LFC has about the same amout of shares outstanding than it did 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 2015 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 2015 2016 2017 2018 2019 2020 2021 1T 2T 3T 4T

2.2 Solvency

A Debt/Equity ratio of 0.11 indicates that LFC is not too dependend on debt financing.
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 2015 2016 2017 2018 2019 2020 2021 0 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

The Earnings Per Share has grown by an impressive 139.52% over the past year.
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%.
LFC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.32% yearly.
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

Based on estimates for the next years, LFC will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.07% on average per year.
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

The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
LFC Yearly Revenue VS EstimatesLFC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 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

With a Price/Earnings ratio of 1.90, the valuation of LFC can be described as very cheap.
When comparing the Price/Earnings ratio of LFC to the average of the S&P500 Index (27.46), we can say LFC is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 4.61, the valuation of LFC can be described as very cheap.
When comparing the Price/Forward Earnings ratio of LFC to the average of the S&P500 Index (36.44), we can say LFC is valued rather cheaply.
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 10 20 30 40

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

No dividends for LFC!.
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
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
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
ROICexcg growth 3Y0%
ROICexcg 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