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STOCK COMPARISON

Samsung Life vs China Life Insurance Co Ltd A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Samsung Life (032830) and China Life Insurance Co Ltd A (601628) compare, as of Sep 5, 2026.

As of Sep 5, 2026, Fair Value Calculator sees China Life Insurance Co Ltd A as the more attractively valued of the two: Samsung Life trades at KRW 297,500 versus a fair value of KRW 191,293 (-36%), while China Life Insurance Co Ltd A trades at ¥39.17 versus ¥49.98 (+28%).
Samsung Life
032830.KO · KRW · Financials
-36%
upside to fair value
overvalued
PriceKRW 297,500
Fair ValueKRW 191,293
Quality48/100
China Life Insurance Co Ltd A
601628.SHG · CNY · Financials
+28%
upside to fair value
undervalued
Price¥39.17
Fair Value¥49.98
Quality63/100
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Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Samsung LifeChina Life Insurance Co Ltd A
Valuation
P/E (TTM)7.3×
P/S (TTM)3.09×
P/B1.78×
2.1×EV/EBITDA6.0×
1.51×PEG0.68×
−35.7%Fair value upside+27.6%
1.8%Dividend yield2.2%
KRW 5,300Dividend per share¥0.86
Profitability
3%Operating margin38%
EBIT margin trend (5Y)4.26×
5%Return on equity25%
1%Return on assets2%
Growth
59%Revenue growth (YoY)-15%
-0.4%Avg. growth/yr (3Y)-9.5%
-0.4%Avg. growth/yr (5Y)-4.8%
+14.5%Value creation/yr+27.1%
Balance & size
Interest coverage (EBIT/interest)43.7×
0.37×Debt / equity0.06×
$42BMarket cap$158B
weakGrowth qualityweak

China Life Insurance Co Ltd A leads: 3 to 7 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Samsung Lifeof which business quality 47 · market factors 59 China Life Insurance Co Ltd Aof which business quality 57 · market factors 45
ProfitabilityMargins and returns on capital today
18
47
Quality GrowthAre margins and returns improving?
46
68
CashflowEarnings quality: real cash, not paper profit
86
100
Fin. StrengthBalance sheet, leverage, solvency risk
6
1
InvestmentDisciplined investing over empire-building
61
59
Low VolatilityCalm price path (market factor)
30
68
MomentumPrice trend over the last 3–12 months (market factor)
69
40
52W MomentumDistance to the 52-week high (market factor)
73
29
Net IssuanceBuybacks instead of dilution
82
82

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familySamsung LifePrice KRW 297,500China Life Insurance Co Ltd APrice ¥39.17
Dividend Discount-80%below the priceKRW 59,333-54%below the price¥17.98
Multiples-35%below the priceKRW 192,357+28%above the price¥50.18
Asset-Based-21%below the priceKRW 234,027-64%below the price¥14.11
Economic Profit-13%close to the priceKRW 260,257+48%above the price¥57.79
Minimum-80%below the priceKRW 59,333-64%below the price¥14.11
Maximum-13%close to the priceKRW 260,257+48%above the price¥57.79
Median-28%below the priceKRW 213,192-13%close to the price¥34.08
Geometric mean-45%below the priceKRW 162,374-25%below the price¥29.28

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Samsung Life: 6 of 6 models see the stock below the current price.

China Life Insurance Co Ltd A: 4 of 6 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Samsung Life
Bear KRW 143,470Fair Value KRW 191,293Bull KRW 239,117
KRW 297,500 = current price (white tick)
China Life Insurance Co Ltd A
Bear ¥37.48Fair Value ¥49.98Bull ¥62.47
¥39.17 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Samsung Life · Financials

Quality score48 · below median
Fair value upside-36% · below median

China Life Insurance Co Ltd A · Financials

Quality score63 · Top 25%
Fair value upside+28% · above median

Bottom line

As of Sep 5, 2026, Fair Value Calculator sees China Life Insurance Co Ltd A as the more attractively valued of the two: Samsung Life trades at KRW 297,500 versus a fair value of KRW 191,293 (-36%), while China Life Insurance Co Ltd A trades at ¥39.17 versus ¥49.98 (+28%).

China Life Insurance Co Ltd A has the higher quality score (63/100).

See the full analysis →

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.