Petrolimex Insurance Corporation (PGI) Fair Value & Analysis
Financial Services · VN · Market cap 1.9T VND
Fair value as of: Jul 12, 2026
From 6 valuation models · updated 29 days ago
Fair value updated Jul 12, 2026, revised from 36,000 VND to 34,000 VND (−5.6%) since Jun 26, 2026. Share price +36.8% over the past month.
A solid business, screening 46% undervalued on our models.
What matters now
- The price is below even our cautious bear case (25,500 VND). The market is more pessimistic than our downside scenario.
- Solid quality (51/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 12, 2026.
How to read this chart
60‑month range 8,108 VND – 29,192 VND · fair‑value band 25,500 VND – 42,500 VND · the 23,250 VND price screens below the 34,000 VND fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 12, 2026.
Analysis
Petrolimex Insurance Corporation (PGI) currently trades at 23,250 VND, while our model-based Fair Value estimate is 34,000 VND, implying the stock looks roughly 46.2% undervalued today. The Quality Score stands at 51/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium), always confirm before acting.
Over the trailing twelve months, Petrolimex Insurance Corporation generated revenue of 3.9T VND at a net margin of 6.5%. Revenue grew 12.9% year over year. It earns a return on equity of 12.9%. Net debt stands at 804B VND. Fundamentals as of Jul 12, 2026
Our scenario range runs from 25,500 VND (bear case) to 42,500 VND (bull case); at 23,250 VND, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 36% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 8% fair-value upside, at 46%, PGI screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Multiples (24,658 VND) versus Asset-Based (11,801 VND). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 12, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 47 · Market factors (momentum, volatility) 68
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Petrolimex Insurance Corporation provides various insurance products in Vietnam. Its business includes direct insurance, reinsurance, loss assessment, investment, and other activities. The company offers motor vehicle, health, property and mixed, engineering, marine, and aviation insurance products.
Full company description
Petrolimex Insurance Corporation provides various insurance products in Vietnam. Its business includes direct insurance, reinsurance, loss assessment, investment, and other activities. The company offers motor vehicle, health, property and mixed, engineering, marine, and aviation insurance products. It also provides business interruption, public and product liability, professional liability, and fire and explosion insurance products. Petrolimex Insurance Corporation was founded in 1995 and is headquartered in Hanoi, Vietnam.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Petrolimex Insurance Corporation reported revenue of 5.3T VND in FY2025 versus 4.1T VND in FY2021, a compound +6.4%/yr. Reported net income was 246B VND in FY2025, compounding −8.1%/yr from FY2021.
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Peer Group
Insurance - Property & Casualty · 120 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Property & Casualty median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate (as of Jul 12, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| The Progressive Corporation PGR | $234.48 | $252.50 | +8% |
| Chubb Limited CB | $337.44 | $345.56 | +2% |
| The Travelers Companies, Inc TRV | $368.98 | $384.42 | +4% |
| The Allstate Corporation ALL | $251.61 | $503.22 | +100% |
| The People's Insurance Company 601319 | ¥7.06 | ¥13.71 | +94% |
| Intact Financial Corporation IFC | C$294.02 | C$247.44 | -16% |
| Fairfax Financial Holdings FFH | C$2,327 | C$3,252 | +40% |
| QBE Insurance Group QBE | A$25.47 | A$19.42 | -24% |
| Samsung Fire & Marine Insurance Co 000810 | 648,000 KRW | 658,771 KRW | +2% |
| Powszechny Zaklad Ubezpieczen SA PZU | 69.80 PLN | 100.85 PLN | +44% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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