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BVH
InsuranceTập đoàn Bảo Việt
Bảo hiểm/Bảo hiểm nhân thọBH
84.000
VND · Last close
Valuation Verdict
Overvalued
-120%Fair Value+120%
Intrinsic Value
32.443
Current
84.000
Gap
-61.4%
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)→10.24%
2
Valuation
Fair P/B
0.98x
x
BVPS
33.113
=
Intrinsic Value
32.443
Valuation Track Record
Retroactive intrinsic value vs actual close price — BVH
Earnings Quality
Fiscal year 2025
65
Fair
Accrual Quality
97Cash Conversion
100Margin Stability
60Revenue Quality
0Quantitative Scores
F-Score
5/9
Neutral
Sharpe
0.76
Positive
Composite
55
Fair
Price Risk
Momentum
+40.1%
Volatility
47.0%
Max Drawdown
-33.4%
Key Ratios
Fiscal year 2025
2.54P/B
P/E21.02
ROE12.6%
ROA1.1%
EPS3995.98
BVPS33113.45
Net Margin7.4%
Rev Growth2.5%
Profit Growth40.6%
Div Yield0.0%
Company Overview
Issued Shares
742.3M
Charter Capital
7423.2B VND
Sector (ICB L2)
Bảo hiểm
Industry (ICB L3)
Bảo hiểm nhân thọ
Sub-industry
Bảo hiểm nhân thọ
Company Type
BH
// OWNERSHIP_NETWORK
> mapping common ownership for BVH — hover nodes for intel, click to navigate
Computed 12/04/2026