Ping An Insurance (Group) Company of China

PNGAY

Insurance - Diversified · Financial Services

Exchange

Other OTC

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Good

Growth

Strong

Cash Flow

Exceptional

Stability

Mixed

Valuation

Strong

Dividends

Strong

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Winston Score History

The full picture

Ping An Insurance is one of the largest financial services companies in China. It sells life insurance, health insurance, and property insurance to hundreds of millions of individual and business customers across China. Beyond insurance, it also offers banking, investment, and wealth management services through subsidiaries like Ping An Bank.

The company makes money through insurance premiums, interest income from its banking arm, and fees from its financial and technology services. It operates almost entirely within China, making it one of the biggest insurers in the world by market value. Ping An has also built technology platforms in healthcare and smart city services, which it uses to attract and retain customers — a growing competitive advantage. The key risk is China's slowing economy and tighter government regulation of the financial sector, both of which could pressure premium growth and investment returns in the years ahead.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+51.2% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+64.3% YoY

YoY Growth Rate

Strong earnings growth

Insider Activity

12.9%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

$13.5T cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Ping An Insurance (Group) Company of China grew revenue 51% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

70.5%

Premium pricing power — 70.5% gross margin

Profit after running costs

Operating Margin

25.3%

Excellent — 25.3% operating margin

Return on the money invested

ROCE

6.3%

Weak — 6.3% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

+13.9%

Fast-growing sales (+13.9% YoY)

Profit growth

EPS YoY

+32.6%

Earnings growing fast (+32.6% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Cash Flow

Profit that turns into cash

Cash Conversion

379%

Turns 379% of profit into real cash

Spare cash per sale

FCF Margin

54.0%

Converts sales into free cash efficiently (54.0%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

What it owes vs what it owns

Debt / Equity

2.46

Heavy debt load (2.46)

Covers its interest

Interest Cover

5.72x

Adequate interest coverage (5.7x)

Interest coverage between 3 and 8. Profits cover interest several times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

7.1x

no trend

Attractive valuation — P/E 7.1

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

+0.9

GROWING

Earnings roughly flat

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Dividends

Dividend

Dividend Yield

14.31%

no trend

Healthy income — 14.31% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend record

Dividend Growth

+7.7%

no trend

Dividend growing modestly (7.7% YoY)

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