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PRE
InsuranceTổng Công ty Cổ phần Tái bảo hiểm Hà Nội
Bảo hiểm/Bảo hiểm phi nhân thọBH
21.700
VND · Last close
Valuation Verdict
Undervalued
-120%Fair Value+120%
Intrinsic Value
22.815
Current
21.700
Gap
+5.1%
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)→14.19%
2
Valuation
Fair P/B
1.43x
x
BVPS
15.965
=
Intrinsic Value
22.815
Valuation Track Record
Retroactive intrinsic value vs actual close price — PRE
Earnings Quality
Fiscal year 2025
81
Good
Accrual Quality
91Cash Conversion
100Margin Stability
100Revenue Quality
29Quantitative Scores
F-Score
5/9
Neutral
Sharpe
0.63
Positive
Composite
70
Strong
Price Risk
Momentum
+20.9%
Volatility
29.8%
Max Drawdown
-9.5%
Key Ratios
Fiscal year 2025
1.36P/B
P/E9.45
ROE14.6%
ROA3.4%
EPS2295.11
BVPS15964.74
Net Margin16.9%
Rev Growth14.1%
Profit Growth25.8%
Div Yield5.8%
Company Overview
Issued Shares
104.4M
Charter Capital
1044.0B VND
Sector (ICB L2)
Bảo hiểm
Industry (ICB L3)
Bảo hiểm phi nhân thọ
Sub-industry
Tái bảo hiểm
Company Type
BH
// OWNERSHIP_NETWORK
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Computed 12/04/2026