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PTI
InsuranceTổng Công ty Cổ phần Bảo hiểm Bưu điện
Bảo hiểm/Bảo hiểm phi nhân thọBH
29.500
VND · Last close
Valuation Verdict
Fairly Valued
-120%Fair Value+120%
Intrinsic Value
28.941
Current
29.500
Gap
-1.9%
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)→13.04%
2
Valuation
Fair P/B
1.31x
x
BVPS
22.041
=
Intrinsic Value
28.941
Valuation Track Record
Retroactive intrinsic value vs actual close price — PTI
Earnings Quality
Fiscal year 2025
41
Weak
Accrual Quality
81Cash Conversion
0Margin Stability
58Revenue Quality
42Quantitative Scores
F-Score
2/9
Weak
Sharpe
0.43
Positive
Composite
53
Fair
Price Risk
Momentum
+43.0%
Volatility
60.3%
Max Drawdown
-31.0%
Key Ratios
Fiscal year 2025
1.41P/B
P/E12.82
ROE11.6%
ROA3.5%
EPS2417.68
BVPS22040.95
Net Margin10.1%
Rev Growth-14.8%
Profit Growth-9.4%
Div Yield0.0%
Company Overview
Issued Shares
120.6M
Charter Capital
1205.9B 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 PTI — hover nodes for intel, click to navigate
Computed 12/04/2026