China Life Insurance Company Limited
CILJFFinancial Services · Stock · annual payer
Forward Yield
3.81%
Annual Dividend
$0.14
Payout Ratio
10%
5-Yr Growth
-9.4%
Ex-Date
Oct 8, 2026
Frequency
Annual
Summary
As of September 2026, China Life Insurance Company Limited (CILJF) yields 3.81% ($0.14 per share annually), with a blended fair-value estimate of $6.01 — +59% upside, so it screens as undervalued. Dividend safety grade: C (60/100). 1 years of dividend growth.
Is CILJF a good dividend stock?
Yes, with caveatsChina Life Insurance Company Limited (CILJF) pays a annual dividend yielding 3.81% ($0.14/yr), with 1 year of growth and a dividend-safety grade of C. It's a solid income payer, but check the caveats below before buying.
Advantages
- Comfortable payout ratio (10%)
- 126% total price return over 5 years
Risks
- Cut its dividend in 2024
- Dividend has been shrinking, not growing
Key Data
- Dividend Yield
- 3.81%
- Payout Ratio
- 10%
- Annual Dividend
- $0.14
- 5-Yr Avg Growth
- -9.4%
- Ex-Dividend Date
- Oct 8, 2026
- Years of Growth
- 1
- Frequency
- annual
- Beta
- 0.88
- Market Cap
- $106.8B
- P/E Ratio
- 2.9
- 5-Yr Total Return
- 126%
- 52-Week Range
- $2.74 – $4.67
- Dividend Safety
- C · 60/100
- Ever Cut?
- Yes (2024)
Frequently Asked Questions
CILJF Price — Last 12 Months
Daily close
Price Return
1 Year
+22%
3 Years
+176%
5 Years
+126%
52-Week Range
$2.74 – $4.67
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is CILJF worth?
Undervaluedlow confidenceOur blended fair-value estimate for China Life Insurance Company Limited is $6.01 per share, versus a market price of $3.78. That implies 59% of upside — a margin of safety of about 37%.
Fair Value
$6.01
Current Price
$3.78
Upside
+59%
Margin of Safety
37%
How we get there
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model 0.2% — below our estimate, leaving room for upside if the business executes.
Assumptions: 8.7% discount rate (CAPM), 0.2% stage-1 growth, 2.5% terminal growth, $1.31 EPS, $0.14 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
CILJF Dividend Safety Score
Borderline
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Jul 2, 2025 | — | $0.0630 | regular |
| Nov 5, 2024 | — | $0.0280 | regular |
| Jul 3, 2024 | — | $0.0600 | regular |
| Jul 5, 2023 | — | $0.0680 | regular |
| Jul 6, 2022 | — | $0.0970 | regular |
| Jul 7, 2021 | — | $0.0990 | regular |
| Jul 7, 2020 | — | $0.1030 | regular |
| Jun 6, 2019 | — | $0.0230 | regular |
| Jun 13, 2018 | — | $0.0620 | regular |
| Jun 8, 2017 | — | $0.0350 | regular |
| Jun 7, 2016 | — | $0.0640 | regular |
| Jun 3, 2015 | — | $0.0650 | regular |
| Jun 3, 2014 | — | $0.0480 | regular |
Income Calculator
At $0.14 / yr per share
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