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BIC
InsuranceTổng Công ty Cổ phần Bảo hiểm Ngân hàng Đầu tư và Phát triển Việt Nam
Bảo hiểm/Bảo hiểm phi nhân thọBH
24.150
VND · Last close
Valuation Verdict
Overvalued
-120%Fair Value+120%
Intrinsic Value
17.906
Current
24.150
Gap
-25.9%
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)→11.48%
2
Valuation
Fair P/B
1.11x
x
BVPS
16.084
=
Intrinsic Value
17.906
Valuation Track Record
Retroactive intrinsic value vs actual close price — BIC
Earnings Quality
Fiscal year 2025
38
Weak
Accrual Quality
94Cash Conversion
47Margin Stability
0Revenue Quality
20Quantitative Scores
F-Score
3/9
Weak
Sharpe
0.34
Positive
Composite
43
Weak
Price Risk
Momentum
+22.8%
Volatility
33.3%
Max Drawdown
-32.6%
Key Ratios
Fiscal year 2025
1.50P/B
P/E620.54
ROE0.3%
ROA0.1%
EPS38.92
BVPS16084.06
Net Margin0.2%
Rev Growth0.9%
Profit Growth-98.4%
Div Yield0.0%
Company Overview
Issued Shares
202.1M
Charter Capital
2020.7B 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