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ABI
InsuranceCông ty Cổ phần Bảo hiểm Ngân hàng Nông Nghiệp
Bảo hiểm/Bảo hiểm phi nhân thọBH
20.100
VND · Last close
Valuation Verdict
Undervalued
-120%Fair Value+120%
Intrinsic Value
28.883
Current
20.100
Gap
+43.7%
ModelPB EMBEDDED VALUE
Valuation Breakdown
BH→Insurance
Classified as insurance because company type is BH (insurance company)
ModelPeer-Relative P/B
Intrinsic Value = Peer P/B x (Target ROE / Peer ROE) x BVPSInsurance companies hold long-duration liabilities (future claims) whose true economic value isn't fully captured by accounting book value. This model benchmarks the insurer against peers: it takes the median P/B of comparable insurers and adjusts it based on how the target's profitability (ROE) compares to the peer group. A more profitable insurer deserves a premium; a less profitable one, a discount.
1
Model Inputs
Avg ROE (3yr)→15.20%
2
Valuation
Fair P/B
1.67x
x
BVPS
17.323
=
Intrinsic Value
28.883
Valuation Track Record
Retroactive intrinsic value vs actual close price — ABI
Earnings Quality
Fiscal year 2025
81
Good
Accrual Quality
98Cash Conversion
69Margin Stability
94Revenue Quality
69Quantitative Scores
F-Score
5/9
Neutral
Sharpe
-0.05
Negative
Composite
69
Fair
Price Risk
Momentum
+2.2%
Volatility
24.3%
Max Drawdown
-18.4%
Key Ratios
Fiscal year 2025
1.16P/B
P/E7.98
ROE15.4%
ROA5.6%
EPS2509.26
BVPS17323.00
Net Margin10.9%
Rev Growth14.8%
Profit Growth24.2%
Div Yield0.0%
Company Overview
Issued Shares
101.3M
Charter Capital
1013.5B VND
Sector (ICB L2)
Bảo hiểm
Industry (ICB L3)
Bảo hiểm phi nhân thọ
Sub-industry
Bảo hiểm phi nhân thọ
Company Type
BH
// OWNERSHIP_NETWORK
> mapping common ownership for ABI — hover nodes for intel, click to navigate
Computed 12/04/2026