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STOCK COMPARISON

Fubon Financial Holding Co vs China Life Insurance Co Ltd A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Fubon Financial Holding Co (2881) 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: Fubon Financial Holding Co trades at TWD 147 versus a fair value of TWD 106 (-28%), while China Life Insurance Co Ltd A trades at ¥39.17 versus ¥49.98 (+28%).
Fubon Financial Holding Co
2881.TW · TWD · Financials
-28%
upside to fair value
overvalued
PriceTWD 147
Fair ValueTWD 106
Quality36/100
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).

Fubon Financial Holding CoChina Life Insurance Co Ltd A
Valuation
14.9×P/E (TTM)7.3×
1.63×P/S (TTM)3.09×
1.73×P/B1.78×
2.8×EV/EBITDA6.0×
1.36×PEG0.68×
−27.8%Fair value upside+27.6%
2.9%Dividend yield2.2%
TWD 4.25Dividend per share¥0.86
Profitability
48%Operating margin38%
0.72×EBIT margin trend (5Y)4.26×
19%Return on equity25%
2%Return on assets2%
Growth
176%Revenue growth (YoY)-15%
-9.3%Avg. growth/yr (3Y)-9.5%
-16.6%Avg. growth/yr (5Y)-4.8%
+5.9%Value creation/yr+27.1%
Balance & size
1.2×Interest coverage (EBIT/interest)43.7×
0.38×Debt / equity0.06×
$54BMarket cap$158B
weakGrowth qualityweak

China Life Insurance Co Ltd A leads: 6 to 8 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.

Fubon Financial Holding Coof which business quality 31 · market factors 95 China Life Insurance Co Ltd Aof which business quality 57 · market factors 45
ProfitabilityMargins and returns on capital today
36
47
Quality GrowthAre margins and returns improving?
54
68
CashflowEarnings quality: real cash, not paper profit
5
100
Fin. StrengthBalance sheet, leverage, solvency risk
24
1
InvestmentDisciplined investing over empire-building
52
59
Low VolatilityCalm price path (market factor)
82
68
MomentumPrice trend over the last 3–12 months (market factor)
100
40
52W MomentumDistance to the 52-week high (market factor)
100
29
Net IssuanceBuybacks instead of dilution
35
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 familyFubon Financial Holding CoPrice TWD 147China Life Insurance Co Ltd APrice ¥39.17
Dividend Discount-41%below the priceTWD 86.34-54%below the price¥17.98
Multiples-27%below the priceTWD 108+28%above the price¥50.18
Asset-Based-67%below the priceTWD 48.17-64%below the price¥14.11
Economic Profit-44%below the priceTWD 82.13+48%above the price¥57.79
Minimum-67%below the priceTWD 48.17-64%below the price¥14.11
Maximum-27%below the priceTWD 108+48%above the price¥57.79
Median-43%below the priceTWD 84.23-13%close to the price¥34.08
Geometric mean-47%below the priceTWD 77.91-25%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%.

Fubon Financial Holding Co: 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.

Fubon Financial Holding Co
Bear TWD 79.57Fair Value TWD 106Bull TWD 133
TWD 147 = 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.

Fubon Financial Holding Co · Financials

Quality score36 · bottom 25%
Fair value upside-28% · 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: Fubon Financial Holding Co trades at TWD 147 versus a fair value of TWD 106 (-28%), 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 →
Fubon Financial Holding Co · China Life Insurance Co Ltd A

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