Is 2328.HK overvalued or undervalued?

2328.HK currently has a P/E ratio of 6.33. Relative to the sector average of 8.10, this suggests the stock may be undervalued. A higher P/E than peers means investors are paying more for each unit of earnings, often because they expect faster future growth. However, if that growth does not materialize, the stock can appear overvalued. A lower P/E may indicate weaker growth expectations or higher risk, but it can also signal a potential valuation discount.

How can I buy PICC Property and Casualty Company Limited stock?

PICC Property and Casualty Company Limited trades on HKSE. Investors in Latin America can buy it through international and regional brokerage and investment platforms. You simply need a valid government ID or passport to get started.

Can I buy fractional shares of 2328.HK?

Yes. Through fractional investing, you can invest exactly the amount you want, starting with as little as $1 or $5 USD (depending on what investment platform you use), and own a proportional piece of the company.

Does buying 2328.HK protect my money against local inflation?

Many investors in Latin America buy international stocks like 2328.HK to protect their purchasing power. Because 2328.HK is priced in foreign currency, your investment is tied to a hard currency. If your local currency devalues against the foreign currency, usually USD or Euro, the underlying value of your stock portfolio remains protected from local inflation.

Do I need a foreign bank account or a Visa to buy 2328.HK shares?

No. A common misconception is that you need a foreign bank account or a foreign visa to invest in international stocks. Today, modern investment platforms allow you to fund your account using local bank transfers or local payment methods right from your home country.

Is 2328.HK a suitable investment for my portfolio?

There is no universal answer, since fit depends on your situation, not just the stock. Think about three things: how well 2328.HK diversifies what you already own, whether you can stomach its price swings given your risk tolerance, and how long you plan to stay invested. As a rule, a single stock works best as one piece of a broader asset allocation and with a multi-year time horizon. This is general information, not personalized financial advice.

All stocks2328.HK

PICC Property and Casualty Company Limited

HK$15.87+HK$0.01+0.06%

HKSE / HKD

Market cap

HK$353.0B

P/E

6.3

EPS (TTM)

HK$0.31

Dividend yield

4.85%

Beta

0.13

1Y return

-10.89%

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Financials

The numbers behind the company

Revenue vs net income

RevenueNet income

$65.8B2021

$59.2B2022

$62.0B2023

$65.9B2024

$73.2B2025

Financial health

Gross margin

Operating margin

ROE

ROA

Debt to equity0.18Low
Current ratio0.16
Cash ratio0.06
Net margin8.8%
Free cash flow—

Valuation

Is it expensive right now

P/E vs the market

scale 0–50

0153050

2328.HK6.3
Financial Services sector median8.1
S&P 50022.0

Trades about 22% below its sector, cheaper than its peers on earnings.

Ratios

PEG0.26
Price to book0.99
EPS (TTM)HK$0.31
Payout ratio2,644%
FCF yield17.53%

Range & risk

HK$13.18HK$19.81

Trading in the middle of its 52-week band

Beta0.13

Profile

What PICC Property and Casualty Company Limited actually does

PICC Property and Casualty Company Limited, alongside its affiliated companies, provides a comprehensive range of property and casualty insurance services across the People's Republic of China. The firm segments its operations into categories such as Motor Vehicle, Commercial Property, Cargo, Liability, Accidental Injury and Health, Agriculture, Credit and Surety, and other business lines. Its product portfolio includes policies for accidental injury and medical expenses, short-term health, homeowners, specialized risks, marine hull, and construction, among others. Beyond direct insurance, the company also delivers services encompassing reinsurance, investment management and fund deployment, agency for insurance and claims, training, information technology and business support, and property administration. Founded in 2003 and based in Beijing, China, PICC Property and Casualty Company Limited is an integral subsidiary of The People's Insurance Company (Group) of China Limited.

CEO

Daoming Zhang

Employees

163,196

Headquarters

Beijing, BE

Founded

2003-11-06

Company website

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Community sentiment

Bullish—

Distribution

Bearish0%
Neutral0%
Bullish0%

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Q&A

Questions people ask

2328.HK has a beta of 0.13, which indicates how sensitive it has historically been to movements in its broader market. A beta below 1 indicates lower relative volatility than the market. Beta is based on historical data and does not predict future performance.

PICC Property and Casualty Company Limited