New China Life Insurance Co., Ltd. Class H (NCL) Stock Price & Analysis
NCL Stock Chart & Stats
- Day’s Range
- EUR 4.48 - EUR 4.50
- 52-Week Range
- EUR 4.22 - EUR 6.95
- Previous Close
- EUR 4.48
- Volume
- N/A
- Average Volume (3M)
- 99
- Market Cap
- EUR 19.37B
- Enterprise Value
- EUR 314.75B
- Total Cash (Recent Filing)
- EUR 33.62B
- Total Debt (Recent Filing)
- EUR 20.98B
- Price to Earnings (P/E)
- 6.4
- Beta
- 0.60
- Next Earnings
- Apr 01, 2027 (Est.)
- EPS Estimate
- 0.14
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 8.02%
Bulls Say, Bears Say
Bulls Say
Strong Cash Conversion
Free cash flow closely tracking net income indicates that reported profitability is translating into cash rather than relying mainly on accounting accruals. This supports policyholder obligations, capital flexibility, and the company’s ability to sustain operations and investment over the coming quarters.
Solid Profitability
Healthy recent net and EBIT margins show that the company is generating meaningful earnings from its insurance and investment activities. Sustained profitability provides a buffer against operating volatility and supports continued balance-sheet development and strategic investment.
Scale And Return On Equity
The company’s very large asset base provides scale for managing insurance funds and serving policyholder liabilities, while a roughly 21% TTM ROE indicates productive use of equity. Together, these factors support competitive operating capacity and earnings generation.
Bears Say
Revenue Decline And Volatility
A declining and uneven revenue trajectory makes future earnings less predictable and suggests that recent profitability may not be supported by consistently expanding business volume. Continued volatility could constrain planning, weaken operating leverage, and increase sensitivity to changes in insurance demand.
Elevated Leverage
The step-up in leverage reduces financial flexibility and increases the company’s sensitivity to earnings volatility. Higher debt relative to equity can also limit the capacity to absorb adverse insurance or investment outcomes, while increasing the importance of stable cash generation.
Recent Cash Flow Normalization
Although cash conversion remains strong, the recent contraction in free cash flow indicates that cash generation has normalized from an unusually strong prior period. If this pressure persists, it could reduce funds available for capital strengthening, investment, or shareholder distributions.
New China Life Insurance Co., Ltd. Class H News
NCL FAQ
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What is the TipRanks Smart Score and how is it calculated?
New China Life Insurance Co., Ltd. Class H Stock Smart Score
Company Description
New China Life Insurance Co., Ltd. Class H
Headquartered in Beijing, China, New China Life Insurance Company Ltd. was established in 1996 to offer life insurance products and services to individuals and institutions throughout the People's Republic of China. Its operations are structured across three main segments: Individual Insurance Business, Group Insurance Business, and Other Business. The company further diversifies its portfolio by providing asset management, training, e-commerce, and medical services, in addition to engaging in the investment, development, leasing, and management of real estate properties.
- Sector
- Financial
- Industry
- Insurance - Life
- CEO
- Yucheng Yang
- Employees
- 27,726
- Website
- www.newchinalife.com
- Address
- New China Insurance Tower, Beijing, BE, 100022, CN
New China Life Insurance Co., Ltd. Class H (NCL) Earnings & Revenues
NCL Earnings Call
Earnings Call SentimentPositive
The call conveyed a largely positive picture: the company reported record highs across assets, premiums, profit, EV and NBV with strong investment returns, marked improvement in persistency and a successful push into participating products and bancassurance. Management acknowledged challenges—solvency pressure from low long-term yields, potential margin effects from the shift to participating business, market/interest-rate uncertainty, and tighter regulatory requirements—but also described concrete mitigation steps (asset-liability matching, diversified investments, capital measures, technology and service investments). Given the scale and materiality of the reported achievements and clear management plans to address risks, the overall tone is constructive and growth-oriented.
View all DE:NCL earnings summariesNCL Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 7 | 4 | 11 |
| Technical Analysis | 3 | 4 | 3 |
| Moving Averages | 4 | 0 | 8 |
