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Ping An Insurance Company of China Ltd (HK:2318)
:2318
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Ping An Insurance Company of China (2318) AI Stock Analysis

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HK:2318

Ping An Insurance Company of China

(2318)

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Outperform 72 (OpenAI - 4o)
Rating:72Outperform
Price Target:
HK$61.00
▲(8.44% Upside)
The overall stock score is primarily driven by strong financial performance and attractive valuation metrics. The company's solid profitability and cash reserves are significant strengths, while the valuation suggests potential undervaluation. Technical analysis presents a neutral outlook, with no immediate bullish or bearish signals.
Positive Factors
Business Model Strength
Ping An's diversified business model across multiple financial sectors provides resilience and multiple revenue streams, reducing dependency on any single market segment.
Technological Integration
By leveraging cutting-edge technologies, Ping An enhances operational efficiency and customer experience, positioning itself as a leader in the evolving fintech landscape.
Cash Generation Ability
Strong cash generation supports ongoing operations and investments, providing financial flexibility and stability in uncertain market conditions.
Negative Factors
High Liabilities
High liabilities could strain financial resources during economic downturns, potentially impacting the company's ability to invest in growth opportunities.
Revenue Growth Challenges
Slowing revenue growth may indicate market saturation or increased competition, challenging the company to find new growth avenues.
EBIT Margin Concerns
A declining EBIT margin suggests rising costs or pricing pressures, which could erode profitability if not addressed through cost management or pricing strategies.

Ping An Insurance Company of China (2318) vs. iShares MSCI Hong Kong ETF (EWH)

Ping An Insurance Company of China Business Overview & Revenue Model

Company DescriptionPing An Insurance (Group) Company of China, Ltd. provides financial products and services for insurance, banking, asset management, and fintech and healthtech businesses in the People's Republic of China. The company's Life and Health Insurance segment offers term, whole-life, endowment, annuity, investment-linked, universal life, and health care and medical insurance to individual and corporate customers. Its Property and Casualty Insurance segment provides auto, non-auto, and accident and health insurance to individual and corporate customers. The company's Banking segment undertakes loan and intermediary businesses with corporate and retail customers; and offers wealth management and credit card services to individual customers. Its Trust segment provides trust services; and undertakes investing activities. The company's Securities segment offers brokerage, trading, investment banking, and asset management services. Its Other Asset Management segment provides investment management, finance lease, and other asset management services. The company's Technology segment offers financial and daily-life services through internet platforms, such as financial transaction information service platform, and health care service platform. It also provides annuity insurance, investment management, IT and business process outsourcing, real estate investment, futures brokerage, consulting, project investment, financial advisory, currency brokerage, property agency, fund raising and distribution, real estate development and leasing, and insurance agency services. In addition, the company provides factoring, equity investment, financing guarantee, logistics, management consulting, e-commerce, credit information, and private equity financing services; and operates an expressway, as well as produces and sells consumer chemicals. Ping An Insurance (Group) Company of China, Ltd. was founded in 1988 and is based in Shenzhen, China.
How the Company Makes MoneyPing An Insurance generates revenue through multiple key streams. The primary source is its insurance premiums collected from policyholders across its life and non-life insurance segments. The company also earns investment income from managing the vast portfolio of assets accumulated through these premiums, which includes stocks, bonds, and other investment vehicles. Additionally, Ping An's banking operations contribute significantly to its revenue through interest income from loans and fees from financial services. The company has also invested heavily in technology, creating a fintech ecosystem that enhances efficiency and customer engagement, further driving revenue growth. Strategic partnerships with other financial institutions and technology firms also play a role in expanding its service offerings and market reach, contributing to overall earnings.

Ping An Insurance Company of China Financial Statement Overview

Summary
Ping An Insurance demonstrates strong financial health with consistent profitability and a solid equity position. Revenue growth has slowed, and high liabilities pose potential risks, but substantial cash reserves and operational efficiency are maintained.
Income Statement
72
Positive
The income statement shows strong gross and net profit margins with consistent revenue figures. However, recent revenue growth is declining, indicating potential challenges in maintaining growth momentum. Profitability remains solid, though the drop in EBIT margin is a concern for future earnings potential.
Balance Sheet
68
Positive
The balance sheet reflects a stable equity position with a moderate debt-to-equity ratio, indicating sound financial leverage. The equity ratio is healthy, suggesting a strong asset base funded by equity. However, total liabilities remain high, posing potential risk in a downturn.
Cash Flow
75
Positive
Positive cash flow generation is evident with robust free cash flow and strong operating cash flow to net income ratio. Although free cash flow growth has slowed, the company maintains a solid cash buffer to support operations and investments.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue738.46B744.91B678.64B664.50B1.06T1.32T
Gross Profit831.29B744.91B678.64B664.50B1.06T1.09T
EBITDA95.91B207.86B163.69B123.40B184.18B230.71B
Net Income120.03B126.61B85.67B111.01B101.62B143.10B
Balance Sheet
Total Assets13.51T12.96T11.58T11.01T10.14T9.53T
Cash, Cash Equivalents and Short-Term Investments973.81B950.37B797.92B746.52B630.51B597.30B
Total Debt1.34T1.40T1.49T1.48T1.59T1.42T
Total Liabilities12.17T11.65T10.35T9.82T9.06T8.54T
Stockholders Equity943.95B928.60B899.01B869.19B812.40B762.56B
Cash Flow
Free Cash Flow295.41B375.80B352.59B467.90B77.93B302.08B
Operating Cash Flow338.19B382.47B360.40B476.78B90.12B312.07B
Investing Cash Flow-463.33B-416.25B-104.00B-215.76B27.93B-447.14B
Financing Cash Flow67.68B30.95B-222.06B-230.87B-136.41B260.64B

Ping An Insurance Company of China Technical Analysis

Technical Analysis Sentiment
Positive
Last Price56.25
Price Trends
50DMA
54.83
Positive
100DMA
53.34
Positive
200DMA
48.55
Positive
Market Momentum
MACD
0.68
Negative
RSI
56.53
Neutral
STOCH
45.09
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HK:2318, the sentiment is Positive. The current price of 56.25 is above the 20-day moving average (MA) of 55.07, above the 50-day MA of 54.83, and above the 200-day MA of 48.55, indicating a bullish trend. The MACD of 0.68 indicates Negative momentum. The RSI at 56.53 is Neutral, neither overbought nor oversold. The STOCH value of 45.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HK:2318.

Ping An Insurance Company of China Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
$389.16B6.3117.34%3.00%9.40%79.93%
75
Outperform
$1.17T5.8928.10%3.93%17.69%126.41%
75
Outperform
HK$202.54B4.7234.37%5.72%49.90%203.77%
72
Outperform
$1.10T6.754.98%10.20%19.74%
70
Outperform
$834.24B18.2315.16%2.26%5.65%30.47%
70
Outperform
$352.34B5.3618.41%3.74%15.08%23.13%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
HK:2318
Ping An Insurance Company of China
56.25
9.00
19.05%
HK:1299
AIA Group
79.60
19.31
32.02%
HK:2601
China Pacific Insurance (Group) Co
31.50
5.68
22.00%
HK:2628
China Life Insurance Co
24.70
7.96
47.53%
HK:1339
People's Insurance Co (Group) of China
7.02
3.01
75.24%
HK:1336
New China Life Insurance Co., Ltd. Class H
48.38
22.08
83.95%

Ping An Insurance Company of China Corporate Events

Ping An Insurance to Release 2025 Q3 Results and Host Investor Briefing
Oct 21, 2025

Ping An Insurance Company of China has announced that it will release its third quarterly results for 2025 on October 28, 2025, and will hold an online results briefing on the same day. This initiative aims to provide investors with a deeper understanding of the company’s performance and operations, with senior management addressing common investor queries during the session.

The most recent analyst rating on (HK:2318) stock is a Buy with a HK$61.00 price target. To see the full list of analyst forecasts on Ping An Insurance Company of China stock, see the HK:2318 Stock Forecast page.

Ping An Completes Share Cancellation and Capital Reduction
Oct 20, 2025

Ping An Insurance Company of China has completed the cancellation of over 102 million A shares as part of its 2021 A Share Repurchase Plan, leading to a reduction in its registered capital to RMB18,107,641,995. This change, along with amendments to the company’s Articles of Association, reflects a strategic move to optimize its capital structure, potentially impacting its financial stability and shareholder value.

The most recent analyst rating on (HK:2318) stock is a Buy with a HK$61.00 price target. To see the full list of analyst forecasts on Ping An Insurance Company of China stock, see the HK:2318 Stock Forecast page.

Ping An Insurance Announces New Board Composition
Oct 15, 2025

Ping An Insurance Company of China has announced the composition of its 13th session board of directors, highlighting the roles and functions of each member. This update reflects the company’s ongoing commitment to strong governance and strategic oversight, which is crucial for maintaining its competitive edge in the financial services industry.

The most recent analyst rating on (HK:2318) stock is a Buy with a HK$70.00 price target. To see the full list of analyst forecasts on Ping An Insurance Company of China stock, see the HK:2318 Stock Forecast page.

Ping An Insurance Announces New Board Appointments
Oct 15, 2025

Ping An Insurance Company of China has announced the appointment of three new independent non-executive directors, Mr. Hong Xiaoyuan, Mr. Song Xianzhong, and Mr. Chan Hiu Fung Nicholas, effective October 15, 2025, following approval from the National Financial Regulatory Administration. This change comes as three previous directors, Mr. Ng Sing Yip, Mr. Chu Yiyun, and Mr. Liu Hong, step down due to term limits. The company has expressed appreciation for the outgoing directors’ contributions and welcomes the new appointees, signaling a strategic shift in its board composition to continue its growth and innovation in the financial services sector.

The most recent analyst rating on (HK:2318) stock is a Buy with a HK$70.00 price target. To see the full list of analyst forecasts on Ping An Insurance Company of China stock, see the HK:2318 Stock Forecast page.

Ping An Insurance Schedules Board Meeting for Q3 Results
Sep 25, 2025

Ping An Insurance Company of China has announced that its board of directors will meet on October 28, 2025, to consider and approve the company’s third-quarter results for the nine months ending September 30, 2025. This meeting will be crucial for stakeholders as it will provide insights into the company’s financial performance and strategic direction for the remainder of the fiscal year.

The most recent analyst rating on (HK:2318) stock is a Buy with a HK$71.00 price target. To see the full list of analyst forecasts on Ping An Insurance Company of China stock, see the HK:2318 Stock Forecast page.

Ping An Insurance Announces Forfeiture of Unclaimed Dividends by 2025
Sep 25, 2025

Ping An Insurance Company of China has announced that unclaimed dividends from 2017 and 2018 will be forfeited and revert to the company by October 31, 2025. Shareholders who have not yet claimed their dividends are advised to contact the company’s registrar to receive their payments before the deadline.

The most recent analyst rating on (HK:2318) stock is a Buy with a HK$71.00 price target. To see the full list of analyst forecasts on Ping An Insurance Company of China stock, see the HK:2318 Stock Forecast page.

Ping An Insurance Announces Updated Interim Dividend for 2025
Sep 18, 2025

Ping An Insurance Company of China has announced an updated interim dividend for the first half of 2025, with a declared amount of RMB 0.95 per share. The dividend will be paid in Hong Kong Dollars at a rate of HKD 1.04048 per share, with options for shareholders to receive payment in RMB. The announcement also outlines the withholding tax rates applicable to different categories of shareholders, including non-resident enterprises and individuals, as well as investors through the Hong Kong Stock Connect Program. This update reflects Ping An’s commitment to providing returns to its shareholders while navigating the complexities of international tax regulations.

The most recent analyst rating on (HK:2318) stock is a Buy with a HK$71.00 price target. To see the full list of analyst forecasts on Ping An Insurance Company of China stock, see the HK:2318 Stock Forecast page.

Ping An Completes Major Share Purchase for 2025 Long-term Service Plan
Sep 17, 2025

Ping An Insurance Company of China has completed a significant share purchase under its 2025 Long-term Service Plan, acquiring 74,615,000 H shares, which accounts for 0.412% of its total share capital. This initiative, funded by employee remuneration, involves 83,024 key talents and aims to enhance employee engagement and retention, potentially strengthening the company’s operational stability and market position.

The most recent analyst rating on (HK:2318) stock is a Buy with a HK$71.00 price target. To see the full list of analyst forecasts on Ping An Insurance Company of China stock, see the HK:2318 Stock Forecast page.

Ping An Insurance Completes A Share Cancellation to Optimize Capital Structure
Sep 2, 2025

Ping An Insurance Company of China has announced the completion of its plan to cancel 102,592,612 repurchased A shares, resulting in a reduction of its registered capital. This strategic move, approved by the board and shareholders, aligns with the company’s ongoing efforts to optimize its capital structure. The cancellation, expected to be finalized by September 3, 2025, will decrease the company’s total share capital, potentially impacting shareholder value and market perception.

The most recent analyst rating on (HK:2318) stock is a Buy with a HK$71.00 price target. To see the full list of analyst forecasts on Ping An Insurance Company of China stock, see the HK:2318 Stock Forecast page.

Ping An Insurance Reports Stable Growth Amid Strategic Focus
Aug 28, 2025

Ping An Insurance, a leading integrated financial and healthcare service provider, continues to innovate and expand its offerings in the financial and healthcare sectors. The company’s latest earnings report highlights a stable financial performance with a focus on technology-driven growth and comprehensive service delivery.

Ping An Insurance Announces Interim Dividend for 2025
Aug 26, 2025

Ping An Insurance Company of China announced an interim cash dividend of RMB 0.95 per share for the first half of 2025, with a currency option for shareholders. The dividend will be paid on October 24, 2025, and is subject to withholding tax rates depending on the shareholder’s residency status. This announcement reflects the company’s commitment to returning value to its shareholders and may impact investor sentiment positively.

The most recent analyst rating on (HK:2318) stock is a Buy with a HK$58.00 price target. To see the full list of analyst forecasts on Ping An Insurance Company of China stock, see the HK:2318 Stock Forecast page.

Ping An Insurance Announces Interim Dividend and Bond Conversion Adjustments
Aug 26, 2025

Ping An Insurance Company of China announced the distribution of an interim dividend of RMB0.95 per share for the first half of 2025. The dividend will be paid in RMB for A shares and offers a currency option for H shares, allowing shareholders to choose between RMB and Hong Kong dollars. This move reflects the company’s commitment to providing value to its shareholders and maintaining a strong financial position. Additionally, the company has made adjustments to the conversion prices of its convertible bonds, which may impact its financial strategy and investor relations.

The most recent analyst rating on (HK:2318) stock is a Buy with a HK$58.00 price target. To see the full list of analyst forecasts on Ping An Insurance Company of China stock, see the HK:2318 Stock Forecast page.

Ping An Insurance Releases 2025 Interim Financial Results
Aug 26, 2025

Ping An Insurance Company of China has announced its unaudited financial results for the first half of 2025, in compliance with Hong Kong Stock Exchange regulations. The interim report, prepared according to International Financial Reporting Standards, will be available to shareholders and the public by late September 2025, reflecting the company’s commitment to transparency and regulatory adherence.

The most recent analyst rating on (HK:2318) stock is a Buy with a HK$58.00 price target. To see the full list of analyst forecasts on Ping An Insurance Company of China stock, see the HK:2318 Stock Forecast page.

Ping An Insurance Releases 2025 Interim Report Summary for Ping An Bank
Aug 22, 2025

Ping An Insurance Company of China has announced the disclosure of the 2025 Interim Report Summary of its subsidiary, Ping An Bank. This report, available on the Shenzhen and Shanghai Stock Exchange websites, outlines the bank’s operational performance for the first half of 2025, reflecting the company’s ongoing commitment to transparency and regulatory compliance.

The most recent analyst rating on (HK:2318) stock is a Buy with a HK$58.00 price target. To see the full list of analyst forecasts on Ping An Insurance Company of China stock, see the HK:2318 Stock Forecast page.

Ping An Insurance Announces 2025 Interim Results Presentation
Aug 19, 2025

Ping An Insurance has announced the release of its 2025 interim results, scheduled for publication on August 26, 2025, on the Hong Kong Stock Exchange website. To provide investors with a comprehensive understanding of these results, the company will hold a webcast presentation on August 27, 2025, featuring key executives. This initiative aims to enhance transparency and engage stakeholders by addressing investor queries and offering insights into the company’s operations.

The most recent analyst rating on (HK:2318) stock is a Buy with a HK$58.00 price target. To see the full list of analyst forecasts on Ping An Insurance Company of China stock, see the HK:2318 Stock Forecast page.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Oct 16, 2025