智通财经APP获悉，内险股集体走高，截至发稿，中国平安(02318)涨4.11%，报50.65港元；新华保险(01336)涨3.69%，报28.1港元；中国人寿(02628)涨3.66%，报17港元；中国太平(00966)涨1.93%，报13.72港元。
开源证券指出，2024前三季上市险企净利润同比高增：中国人寿+174%/新华保险+117%/中国人保+77%/中国太保+66%/中国平安+36%，权益市场回暖+新准则权益弹性提升，投资服务业绩高增驱动业绩超预期改善。向后展望，利好政策持续出台支持保险业高质量发展，保险“新国十条”指明发展方向，中长期资金入市指导意见+SFISF工具松绑资产端，支持大力发展商保年金利好产品多元化供给。负债端有望延续高质量增长，负债成本持续调降缓解利差损风险，保险板块估值中枢上行。
国金证券表示，保险公司Q4利润预计延续高速增长。寿险方面，近期国有大行继7月后进一步下调人民币存款挂牌利率，2.5%预定利率传统险仍有相对优势,且政策组合拳下市场信心的增强也有利于分红险的销售，叠加预定利率下调带来价值率的提升，预计2025年开门红新单保费可能承压，但NBV有望实现正增长。中长期看经济预期改善，受益于地产政策积极转向及经济预期有望回暖，寿险顺周期逻辑或将开始显现。财险方面，三季报整体超预期且高股息特征突出，建议关注财险H股相关标的。
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