China Reinsurance(Group)Corp (1508) Fair Value & Analysis
Financial Services · HK · Market cap HK$46.7B (≈ $6.0B) · ISIN CNE100002342
What is China Reinsurance(Group)Corp really worth?
A solid business, trading 45% below our fair value of HK$2.43.
Strengths
Risks
For context
Fair value as of: Aug 13, 2026
From 4 valuation models · updated 22 days ago
Fair value updated Aug 13, 2026, revised from HK$2.74 to HK$2.43 (−11.3%) since Aug 5, 2026. Share price +0.4% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price is below even our cautious bear case (HK$1.82). The market is more pessimistic than our downside scenario.
- The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
- Solid quality (61/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range HK$0.3178 – HK$1.70 · fair‑value band HK$1.82 – HK$3.03 · the HK$1.34 price screens below the HK$2.43 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
China Reinsurance(Group)Corp (1508) currently trades at HK$1.34, while our model-based Fair Value estimate is HK$2.43, implying the stock looks roughly 45.1% undervalued today. The Quality Score stands at 61/100 (solid quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of HK$3.52 per share, and 4 of the 4 models we run sit above the HK$1.34 price. Bear case: the Asset-Based group reads lowest at HK$2.09, and 0 of the 4 models stay below the price. Evidence for this calculation is low.
Over the trailing twelve months, China Reinsurance(Group)Corp generated revenue of HK$108B at a net margin of 9.1%. Revenue grew 9.3% year over year. It earns a return on equity of 8.8%. The balance sheet holds a net cash position of HK$2.8B. Fundamentals as of Aug 13, 2026
Our scenario range runs from HK$1.82 (bear case) to HK$3.03 (bull case); at HK$1.34, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 22% below its 52-week high and 30% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 53% fair-value upside, at 82%, 1508 screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly HK$0.0548 per share, which is 2.3 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 4 models by family
Widest divergence: Multiples (HK$3.52) versus Asset-Based (HK$2.09). Highest evidence: Residual Income (74).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 61 · Market factors (momentum, volatility) 43
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
China Reinsurance (Group) Corporation, together with its subsidiaries, operates as a reinsurance company in the People's Republic of China and internationally. The company operates through Property and Casualty Reinsurance, Life and Health Reinsurance, Primary Property and Casualty Insurance, Asset Management, and Other segments.
Full company description
China Reinsurance (Group) Corporation, together with its subsidiaries, operates as a reinsurance company in the People's Republic of China and internationally. The company operates through Property and Casualty Reinsurance, Life and Health Reinsurance, Primary Property and Casualty Insurance, Asset Management, and Other segments. It offers reinsurance products, including motor, commercial and household property, engineering, marine hull, liability, credit and guarantee, health, agriculture, space and aviation, energy, nuclear, etc.; and insurance agency services, such as risk identification, assessment and consulting, insurance program design, insurance procurement, insurance policy management, claim management, disaster and accident prevention management, overall risk management, and reinsurance arrangement products. The company also provides specialty insurance, asset management, insurance brokerage, risk evaluation and management, underwriting agency, information technology, risk advisory, management consulting, and investment management services, as well as issues bonds. In addition, it is involved in the e-commerce business; management of insurance; and provision of multi-asset investment products, such as project-based financing programs, asset-backed securities, infrastructure investment programs, and real estate investment programs. The company was founded in 1949 and is headquartered in Beijing, the People's Republic of China.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
China Reinsurance(Group)Corp reported revenue of 113B CNY in FY2025 versus 164B CNY in FY2021, a compound −8.9%/yr. Reported net income was 9.5B CNY in FY2025, compounding +12.4%/yr from FY2021.
of which total revenue +1.6 % · buybacks/dilution −0.9 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
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Peer Group
Insurance - Reinsurance · 29 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Reinsurance median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Reinsurance stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| MUV2 MUV2 | €518.00 | €460.14 | −11% |
| Swiss Re AG SREN | CHF 141.15 | CHF 137.55 | −3% |
| Hannover Rück SE HNR1 | €258.20 | €216.20 | −16% |
| Reinsurance Group RGA | $246.02 | $261.04 | +6% |
| Everest Group EG | $370.06 | $507.47 | +37% |
| RenaissanceRe Holdings RNR | $330.41 | $563.91 | +71% |
| SCOR SE SDRC | €34.14 | €66.75 | +96% |
| General Insurance Corporation GICRE | ₹355.85 | ₹594.47 | +67% |
| Hamilton Insurance Group HG | $35.35 | $54.04 | +53% |
| SiriusPoint Ltd SPNT | $23.98 | $37.12 | +55% |
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