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AIC
InsuranceCông ty Cổ phần Tập đoàn Bảo hiểm DBV
Bảo hiểm/Bảo hiểm phi nhân thọBH
10.000
VND · Last close
Valuation Verdict
Fairly Valued
-120%Fair Value+120%
Intrinsic Value
10.024
Current
10.000
Gap
+0.2%
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)→2.02%
2
Valuation
Fair P/B
0.88x
x
BVPS
11.390
=
Intrinsic Value
10.024
Valuation Track Record
Retroactive intrinsic value vs actual close price — AIC
Earnings Quality
Fiscal year 2025
55
Fair
Accrual Quality
89Cash Conversion
100Margin Stability
30Revenue Quality
0Quantitative Scores
F-Score
6/9
Neutral
Sharpe
-0.50
Negative
Composite
44
Weak
Price Risk
Momentum
-5.7%
Volatility
67.2%
Max Drawdown
-31.5%
Key Ratios
Fiscal year 2025
0.85P/B
P/E31.30
ROE2.7%
ROA0.6%
EPS308.78
BVPS11389.50
Net Margin1.3%
Rev Growth27.8%
Profit Growth167.7%
Div Yield0.0%
Company Overview
Issued Shares
100.0M
Charter Capital
1000.0B 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
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Computed 12/04/2026