China Reinsurance (Group) Corporation (1508) Fair Value & Analysis
Financial Services · HK · Market cap HK$46.7B
Fair value as of: Aug 13, 2026
From 4 valuation models · updated today
Fair value updated Aug 13, 2026, revised from HK$2.74 to HK$2.43 (−11.3%) since Aug 5, 2026. Share price +7.5% over the past month.
A solid business, screening 100% undervalued on our models.
What matters now
- The price is below even our cautious bear case (HK$1.82). The market is more pessimistic than our downside scenario.
- 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$1.22 price screens below the HK$2.43 fair value. Dashed = 300-day average. As of Aug 13, 2026.
Analysis
China Reinsurance (Group) Corporation (1508) currently trades at HK$1.22, while our model-based Fair Value estimate is HK$2.43, implying the stock looks roughly 100.0% undervalued today. The Quality Score stands at 61/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, China Reinsurance (Group) Corporation 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$1.22, 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 29% below its 52-week high and 19% 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 100%, 1508 screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted 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.
All 4 models by family
Widest divergence: Multiples (HK$2.91) versus Asset-Based (HK$1.73). Highest evidence: Residual Income (76).
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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) 39
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.
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) Corporation reported revenue of HK$113B in FY2025 versus HK$164B in FY2021, a compound −8.9%/yr. Reported net income was HK$9.5B in FY2025, compounding +12.4%/yr from FY2021.
of which total revenue +1.6 pp · buybacks/dilution −0.9 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. 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
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.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
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 |
|---|---|---|---|
| 1MUV2 1MUV2 | €513.20 | €526.73 | +3% |
| Swiss Re AG SREN | CHF 137.20 | CHF 158.42 | +15% |
| Hannover Rück SE HNR1 | €250.00 | €216.20 | -14% |
| Reinsurance Group RGA | $246.08 | $261.04 | +6% |
| Everest Group EG | $363.67 | $507.47 | +40% |
| RenaissanceRe Holdings RNR | $317.45 | $563.91 | +78% |
| SCOR SE SDRC | €34.14 | €66.75 | +96% |
| General Insurance Corporation GICRE | ₹355.85 | ₹594.47 | +67% |
| Hamilton Insurance Group HG | $35.27 | $54.04 | +53% |
| SiriusPoint Ltd SPNT | $22.90 | $37.12 | +62% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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