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MIG
InsuranceTổng Công ty Cổ phần Bảo hiểm Quân đội
Bảo hiểm/Bảo hiểm phi nhân thọBH
19.400
VND · Last close
Valuation Verdict
Overvalued
-120%Fair Value+120%
Intrinsic Value
16.305
Current
19.400
Gap
-15.9%
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)→13.03%
2
Valuation
Fair P/B
1.31x
x
BVPS
12.424
=
Intrinsic Value
16.305
Valuation Track Record
Retroactive intrinsic value vs actual close price — MIG
Earnings Quality
Fiscal year 2025
72
Good
Accrual Quality
99Cash Conversion
91Margin Stability
100Revenue Quality
0Quantitative Scores
F-Score
5/9
Neutral
Sharpe
0.07
Positive
Composite
62
Fair
Price Risk
Momentum
+21.6%
Volatility
38.3%
Max Drawdown
-23.9%
Key Ratios
Fiscal year 2025
1.49P/B
P/E12.01
ROE13.7%
ROA3.1%
EPS1536.06
BVPS12424.02
Net Margin11.9%
Rev Growth14.3%
Profit Growth36.2%
Div Yield0.0%
Company Overview
Issued Shares
211.5M
Charter Capital
2115.0B 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 MIG — hover nodes for intel, click to navigate
Computed 12/04/2026