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BLI
InsuranceTổng Công ty Cổ phần Bảo hiểm Bảo Long
Bảo hiểm/Bảo hiểm phi nhân thọBH
9.200
VND · Last close
Valuation Verdict
Undervalued
-120%Fair Value+120%
Intrinsic Value
13.621
Current
9.200
Gap
+48.1%
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)→7.37%
2
Valuation
Fair P/B
0.88x
x
BVPS
15.477
=
Intrinsic Value
13.621
Valuation Track Record
Retroactive intrinsic value vs actual close price — BLI
Earnings Quality
Fiscal year 2025
51
Fair
Accrual Quality
100Cash Conversion
90Margin Stability
17Revenue Quality
0Quantitative Scores
F-Score
4/9
Neutral
Sharpe
-0.56
Negative
Composite
46
Weak
Price Risk
Momentum
-9.0%
Volatility
29.2%
Max Drawdown
-20.6%
Key Ratios
Fiscal year 2025
0.59P/B
P/E17.22
ROE3.5%
ROA1.2%
EPS526.73
BVPS15476.76
Net Margin2.7%
Rev Growth3.7%
Profit Growth-51.1%
Div Yield0.0%
Company Overview
Issued Shares
60.0M
Charter Capital
600.0B 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 BLI — hover nodes for intel, click to navigate
Computed 12/04/2026