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PGI
InsuranceTổng Công ty Cổ phần Bảo hiểm Petrolimex
Bảo hiểm/Bảo hiểm phi nhân thọBH
20.000
VND · Last close
Valuation Verdict
Undervalued
-120%Fair Value+120%
Intrinsic Value
24.783
Current
20.000
Gap
+23.9%
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)→12.65%
2
Valuation
Fair P/B
1.41x
x
BVPS
17.613
=
Intrinsic Value
24.783
Valuation Track Record
Retroactive intrinsic value vs actual close price — PGI
Earnings Quality
Fiscal year 2025
76
Good
Accrual Quality
95Cash Conversion
24Margin Stability
100Revenue Quality
100Quantitative Scores
F-Score
3/9
Weak
Sharpe
-0.26
Negative
Composite
60
Fair
Price Risk
Momentum
-4.9%
Volatility
32.8%
Max Drawdown
-28.6%
Key Ratios
Fiscal year 2025
1.12P/B
P/E8.92
ROE12.7%
ROA2.8%
EPS2214.21
BVPS17612.80
Net Margin7.8%
Rev Growth9.0%
Profit Growth5.7%
Div Yield0.0%
Company Overview
Issued Shares
110.9M
Charter Capital
1109.0B 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 PGI — hover nodes for intel, click to navigate
Computed 12/04/2026