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BHI
InsuranceTổng Công ty Cổ phần Bảo hiểm Sài Gòn - Hà Nội
Bảo hiểm/Bảo hiểm phi nhân thọBH
9.300
VND · Last close
Valuation Verdict
Undervalued
-120%Fair Value+120%
Intrinsic Value
10.794
Current
9.300
Gap
+16.1%
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)→0.91%
2
Valuation
Fair P/B
0.88x
x
BVPS
12.264
=
Intrinsic Value
10.794
Valuation Track Record
Retroactive intrinsic value vs actual close price — BHI
Earnings Quality
Fiscal year 2025
24
Poor
Accrual Quality
55Cash Conversion
0Margin Stability
51Revenue Quality
0Quantitative Scores
F-Score
3/9
Weak
Sharpe
-0.64
Negative
Composite
22
Poor
Price Risk
Momentum
-45.8%
Volatility
166.6%
Max Drawdown
-62.3%
Key Ratios
Fiscal year 2025
0.76P/B
P/E101.56
ROE0.7%
ROA0.2%
EPS91.57
BVPS12264.46
Net Margin0.4%
Rev Growth-7.0%
Profit Growth-9.4%
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
> mapping common ownership for BHI — hover nodes for intel, click to navigate
Computed 12/04/2026