---
title: "中國人民財產保險股份有限公司 (02328.HK)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/02328.HK.md"
symbol: "02328.HK"
name: "中國人民財產保險股份有限公司"
industry: "財產和意外保險"
---

# 中國人民財產保險股份有限公司 (02328.HK)

| Item | Detail |
|------|--------|
| Industry | 財產和意外保險 |
| Location | 港股市場 |
| Website | [roperty.picc.com](https://roperty.picc.com) |

## Company Profile

財產損失保險、責任保險、信用保險、意外傷害保險、短期健康保險、保証保險等人民幣或外幣保險業務;與上述業務相關的再保險業務;各類財產保險、意外傷害保險、短期健康保險及其再保險的服務與咨詢業務;代理保險機構辦理有關業務;國家法律法規允許的投資和資金運用業務;國家法律法規規定的或國家保險監管機構批准的其他業務。(依法須經批准的項目,經相關部門批准後方可開展經營活動)

## Financial Score

> *Longbridge Financial Score™ — Proprietary multi-factor rating model by [Longbridge](https://longbridge.com). This score is independently calculated by Longbridge and is not affiliated with any third-party rating agency.*
> Updated: 2026-02-18T04:30:11.000Z

**Overall: B (0.39)**

**Industry**: Property and Casualty Insurance

| Metric | Value |
|--------|-------|
| Industry Ranking | 1 / 3 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Large - The company has stable operations, allowing for dependable long-term returns.

### Score Analysis

**Style Score**: 

#### Growth Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 9.86% |  |
| Net Profit YoY | 67.37% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 1.21 |  |
| Dividend Ratio | 3.76% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 370.59B |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 576.53B |  |


**Multi Score**: B

#### Profit Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 14.64% | A |
| Profit Margin | 7.17% | B |
| Gross Margin | 10.48% | E |

#### Growth Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 9.86% | B |
| Net Profit YoY | 67.37% | A |
| Total Assets YoY | 11.26% | B |
| Net Assets YoY | 16.60% | A |

#### Cash Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | 1394.03% | B |
| OCF YoY | 9.86% | B |

#### Operating Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.69 | B |

#### Debt Score: D

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 65.07% | D |


```chart-data:radar
{
  "title": "Longbridge Financial Score - 中國人民財產保險股份有限公司",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "B",
      "indicators": [
        {
          "name": "ROE",
          "value": "14.64%",
          "rating": "A"
        },
        {
          "name": "Profit Margin",
          "value": "7.17%",
          "rating": "B"
        },
        {
          "name": "Gross Margin",
          "value": "10.48%",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "B",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "9.86%",
          "rating": "B"
        },
        {
          "name": "Net Profit YoY",
          "value": "67.37%",
          "rating": "A"
        },
        {
          "name": "Total Assets YoY",
          "value": "11.26%",
          "rating": "B"
        },
        {
          "name": "Net Assets YoY",
          "value": "16.60%",
          "rating": "A"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "B",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "1394.03%",
          "rating": "B"
        },
        {
          "name": "OCF YoY",
          "value": "9.86%",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "B",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.69",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "D",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "65.07%",
          "rating": "D"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | 中國財險 (HK.2328) | B | B | B | D | B | B |
| 02 | 中國人民保險集團 (HK.1339) | B | B | D | E | B | C |
| 03 | 閩信集團 (HK.222) | C | B | E | A | C | C |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 8.86 | 2/3 | 10.29 | 9.65 | 8.90 |
| PB | 1.21 | 3/3 | 1.33 | 1.22 | 1.17 |
| PS (TTM) | 0.63 | 2/3 | 0.68 | 0.62 | 0.59 |
| Dividend Yield | 3.76% | 1/3 | 5.16% | 3.82% | 3.31% |

## Institutional View

### Analyst Rating Distribution

> As of 2026-02-13T16:00:00.000Z

Total Analysts: **19**

| Rating | Count | Percentage |
|--------|-------|-----------|
| Buy | 15 | 79% |
| Overweight | 2 | 11% |
| Hold | 2 | 11% |
| Underweight | 0 | 0% |
| Sell | 0 | 0% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 16.66 |
| Highest Target | 24.22 |
| Lowest Target | 14.68 |

## References

- [Company Overview](https://longbridge.com/en/quote/02328.HK/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/02328.HK/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/02328.HK/topics.md) - Community topics and discussions

---

> **Disclaimer**: This article is for reference only and does not constitute any investment advice.