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PVI
InsuranceCông ty Cổ phần PVI
Bảo hiểm/Bảo hiểm phi nhân thọBH
79.100
VND · Last close
Valuation Verdict
Overvalued
-120%Fair Value+120%
Intrinsic Value
43.362
Current
79.100
Gap
-45.2%
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)→12.33%
2
Valuation
Fair P/B
1.24x
x
BVPS
34.925
=
Intrinsic Value
43.362
Valuation Track Record
Retroactive intrinsic value vs actual close price — PVI
Earnings Quality
Fiscal year 2025
86
Good
Accrual Quality
89Cash Conversion
100Margin Stability
89Revenue Quality
63Quantitative Scores
F-Score
5/9
Neutral
Sharpe
0.40
Positive
Composite
66
Fair
Price Risk
Momentum
+35.3%
Volatility
54.6%
Max Drawdown
-33.6%
Key Ratios
Fiscal year 2025
2.48P/B
P/E18.44
ROE13.7%
ROA2.9%
EPS4695.47
BVPS34925.14
Net Margin14.4%
Rev Growth33.1%
Profit Growth30.5%
Div Yield0.0%
Company Overview
Issued Shares
234.2M
Charter Capital
2342.4B 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 PVI — hover nodes for intel, click to navigate
Computed 12/04/2026