China United Insurance Service Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of China United Insurance Service Inc (CUII) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: China United Insurance Service Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 135M vs 1,378,959M combined for tracked competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is holding steady (+0.3% annualized vs trailing 12 months), vs decelerating (-19.8%) for its tracked peer group.
- Growth: China United Insurance Service Inc generated 9.1% revenue growth year over year in Q1 2023, vs 10.1% for its tracked competitors combined.
- Profitability: Its 10.6% net margin compares with 17.3% for the peer group.
- Peer revenue share: China United Insurance Service Inc accounted for 0.0% of combined revenue among its tracked peer group, up from 0.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.27M compares with $1.32M for the peer group (0.2x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
CUII Sales vs. its Competitors, Q1 2023
China United Insurance Service Inc reported revenue growth of 9.07 % year on year in Q1 2023, below its competitors' combined revenue growth of 10.08 %.
With a net margin of 10.60 %, China United Insurance Service Inc reported lower profitability than its competitors (17.34 %).
China United Insurance Service Inc generated 0.01 % of the combined sales of its peer group, up from 0.01 % a year earlier.
China United Insurance Service Inc vs. its Competitors, Q1 2023
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across China United Insurance Service Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| China United Insurance Service Inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar Growth & Profitability (6) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across China United Insurance Service Inc's competitor groups requires a Commercial License.
For context: the Insurance Brokerage industry grew revenue 10.7% year over year, combined, vs 9.1% for China United Insurance Service Inc. China United Insurance Service Inc's share of combined industry revenue moved from 0.09% to 0.08%, a gain of 0.00 percentage points.
China United Insurance Service Inc's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| China United Insurance Service Inc | Yes | Yes | No | No |
| Competitors combined (71) | ||||
| Similar Growth & Profitability (8) | 87.50 % (7 of 8) | 87.50 % (7 of 8) | 25.00 % (2 of 8) | 57.10 % (4 of 7) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
CUII Stock Performance relative to its Competitors
CUII Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | United Fire Group Inc | 282.9% | Outperformed |
| 2 | Universal Insurance Holdings Inc | 282.9% | Outperformed |
| 3 | Safety Insurance Group Inc | 282.9% | Outperformed |
| 4 | Principal Financial Group inc | 282.9% | Outperformed |
| 5 | Heritage Insurance Holdings Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for China United Insurance Service Inc's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
China United Insurance Service Inc's Comment on Competition and Industry Peers
Professional insurance intermediaries. Life insurance is our core business and has a strong regional feature. Through years of business development, we believe that we can compete effectively with other insurance intermediary companies as we have a longer operational history and over the years have assembled a strong and stable team of managers and sales professionals. With the implementation of our unified operating platform, we believe that we could strengthen our lead in our developed local regions and expand our operation to our newly selected areas. However, with increasing consolidation expected in the insurance intermediary sector in the coming years, we expect competition within this sector to intensify.
Insurance companies. The distribution of individual life insurance products in Taiwan and China historically has been dominated by insurance companies, which usually use both in-house sales force and exclusive sales agents to distribute their own products. We believe that we can compete effectively with insurance companies because we focus only on distribution and offer our customers a broad range of insurance products underwritten by multiple insurance companies.
Other business entities. In recent years, business entities that distribute insurance products as an ancillary business, primarily commercial banks and postal offices have been playing an increasingly important role in the distribution of insurance products, especially life insurance products. However, the insurance products distributed by these entities are usually confined to those related to their main lines of business, such as investment-related life insurance products. We believe that we can compete effectively with these business entities because we offer our customers a broader variety of products.
Publicly Traded Peers of China United Insurance Service Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| China United Insurance Service Inc | 0.00 | 134.74 |
| Progressive Corp | 122,372.37 | 91,055.00 |
| Travelers Companies inc | 77,570.98 | 48,979.00 |
| The Cigna Group | 71,752.79 | 282,382.00 |
| Metlife Inc | 61,985.96 | 79,403.00 |
| Allstate Corp | 58,958.21 | 70,137.00 |
| SUBTOTAL | 1,012,341.35 | 1,395,539.31 |
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Sources: China United Insurance Service Inc's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on China United Insurance Service Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
China United Insurance Service Inc's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Everpro Insurance Brokers Co., Ltd. | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for China United Insurance Service Inc's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
China United Insurance Service Inc's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Travelers Companies inc | Business Insurance 45.68 % |
| The Cigna Group | Evernorth 85.32 % |
| Metlife Inc | Group Benefits 36.13 % |
| Allstate Corp | Allstate Protection 87.37 % |
| Aon Plc | Risk Capital 70.80 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
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China United Insurance Service Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| China United Insurance Service Inc | 0 | 269,480 | 31,814 |
| Progressive Corp | 122,372 | 1,821,100 | 233,900 |
| Travelers Companies inc | 77,571 | 1,440,559 | 243,765 |
| The Cigna Group | 71,753 | 4,171,078 | 103,146 |
| Metlife Inc | 61,986 | 1,726,152 | 79,543 |
| Allstate Corp | 58,958 | 1,308,526 | 248,134 |
| PEERS TOTAL | 1,012,341 | 1,323,422 | 181,053 |
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China United Insurance Service Inc's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent filing. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Aon Plc | Europe, Middle East, and Africa, Other Than United Kingdom and Ireland 16.91 % |
| Brown and Brown Inc | US 86.46 % |
| Ncr Atleos Corporation | United States 47.84 % |
| Citizens Inc | All Countries 66.88 % |
Source: revenue geography as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
China United Insurance Service Inc's Position in Industry Market Structure
Market-capitalization share and concentration across all 29 companies in China United Insurance Service Inc's industry classification, broader than the peer set above. Market cap in millions of $.China United Insurance Service Inc ranks #0 of 29 companies by market capitalization in its industry, holding 0.00 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 1,517, indicating a moderately concentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Marsh and Mclennan Companies Inc | 81,882 | 25.75 % |
| 2 | Arthur J Gallagher and Co | 58,546 | 18.41 % |
| 3 | Aon Plc | 58,493 | 18.40 % |
| 4 | Willis Towers Watson Plc | 27,418 | 8.62 % |
| 5 | Brown and Brown Inc | 1,234 | 5.2% |
| 6 | Equitable Holdings Inc | 1,234 | 5.2% |
| 7 | Erie Indemnity Company | 1,234 | 5.2% |
| 8 | Fidelity National Financial Inc | 1,234 | 5.2% |
| 9 | First American Financial Corporation | 1,234 | 5.2% |
| 10 | Enact Holdings Inc | 1,234 | 5.2% |
| 0 | China United Insurance Service Inc | 0 | 0.00 % |
Market cap and industry share for the rest of China United Insurance Service Inc's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-08-13.
China United Insurance Service Inc's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Insurance Brokerage industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (18 companies).| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 33.15 % | 56.03 % (avg) | -22.9 pp |
| Operating Margin | 34.69 % | industry median | +20.2 pp |
| EBITDA Margin | 15.44 % | 1.85 % (avg) | +13.6 pp |
| Capital Intensity (Capex / Revenue) | 0.81 % | 1.24 % (avg) | -0.4 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
China United Insurance Service Inc's Valuation vs Competitive Position
Valuation multiples vs the Insurance Brokerage industry average (18 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 4.8x | 13.3x | -8.5x |
| EV / EBITDA | 2.2x | 12.6x | -10.5x |
| P/B | 0.6x | 2.7x | -2.1x |
| Return on Equity | 21.20 % | industry aggregate | 17.31 % |
| Return on Invested Capital | 24.78 % | 8.14 % (avg) | 16.64 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
China United Insurance Service Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 15.96 % | 27.10 % | 4.17 % | 7.99 % | 21.93 % | 29.55 % | 5.71 % | 0.43 % |
| Operating Margin | 6.98 % | 9.56 % | 17.49 % | 10.09 % | 7.98 % | 5.14 % | 12.74 % | 35.89 % |
| Return on Invested Capital | 7.61 % | 11.24 % | 15.91 % | 8.41 % | 6.89 % | 4.85 % | 10.33 % | 25.95 % |
| P/E | 226.3x | 70.7x | 18.1x | - | 22.2x | - | 8.7x | 5.1x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
China United Insurance Service Inc's Strategic Group Map
Every company in China United Insurance Service Inc's industry and named-competitor list, plotted by trailing 12-month revenue growth and operating margin. China United Insurance Service Inc is shown in red; its closest peers by combined growth, margin and ROIC (the Similar Growth & Profitability group above) are labeled.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
China United Insurance Service Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | Moderate | Industry HHI of 1,517 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 0.81 % vs industry average 1.24 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See China United Insurance Service Inc's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See China United Insurance Service Inc's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
China United Insurance Service Inc's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
China United Insurance Service Inc falls in the Medium attractiveness / High strength cell: Invest / Grow.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
China United Insurance Service Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Operating margin 20.2 points above the industry median.
- Return on equity 17.3 points above the industry aggregate.
Weaknesses
No rule matched.
Opportunities
- Trades at a lower P/E than the industry average (4.8x vs 13.3x) despite a higher return on invested capital -- a possible re-rating opportunity.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-19.8% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
China United Insurance Service Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| China United Insurance Service Inc | 0.41 | 2.24 | 0.28 |
| Progressive Corp | 0.06 | 1.06 | 0.23 |
| Travelers Companies inc | 0.01 | 1.08 | 0.28 |
| The Cigna Group | 0.12 | 0.82 | 0.76 |
| Metlife Inc | 0.08 | 0.29 | 0.70 |
| Allstate Corp | 0.02 | 0.15 | 0.25 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
China United Insurance Service Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| China United Insurance Service Inc | Q1 2023 | +9.1 % | -23.6 % |
| Progressive Corp | Q2 2026 | +7.3 % | +4.3 % |
| Travelers Companies inc | Q2 2026 | +0.3 % | +45.3 % |
| The Cigna Group | Q2 2026 | +6.7 % | +22.4 % |
| Metlife Inc | Q2 2026 | +10.5 % | +6.0 % |
| Allstate Corp | Q2 2026 | +11.8 % | +55.8 % |
| PEERS TOTAL | +8.3 % | +63.6 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
China United Insurance Service Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| China United Insurance Service Inc | Q1 2023 | +17.0 % | +94.1 % |
| Progressive Corp | Q2 2026 | +1,027.3 % | +35.3 % |
| Travelers Companies inc | Q2 2026 | -0.9 % | - |
| The Cigna Group | Q2 2026 | +6.4 % | - |
| Metlife Inc | Q2 2026 | +1,959.3 % | - |
| Allstate Corp | Q2 2026 | +6.1 % | - |
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China United Insurance Service Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| China United Insurance Service Inc | 12.00% | 14.00% | 21.20% |
| Progressive Corp | 9.51% | 11.22% | 35.40% |
| Travelers Companies inc | 5.78% | 10.84% | 25.58% |
| The Cigna Group | 4.46% | 6.88% | 16.50% |
| Metlife Inc | 0.49% | 0.77% | 12.93% |
| Allstate Corp | 10.88% | 16.50% | 43.12% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
China United Insurance Service Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| China United Insurance Service Inc | 0.00 | 0.00 |
| Progressive Corp | 10.51 | 1.34 |
| Travelers Companies inc | 9.72 | 1.58 |
| The Cigna Group | 11.27 | 0.25 |
| Metlife Inc | 18.39 | 0.78 |
| Allstate Corp | 4.56 | 0.84 |
| PEERS AVERAGE | 5.30 | 0.73 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.