Petrolimex Insurance Corp (PGI) fair value: what the stock is really worth
As of Nov 9, 2026: fair value (intrinsic value) of Petrolimex Insurance Corp stock VND 14,442, price VND 23,200, that is 37.8% below the price, quality 51 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.
How to read this chart
60‑month range 9,271 VND – 29,192 VND · fair‑value band 13,505 VND – 16,283 VND · the 23,200 VND price screens above the 14,442 VND fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.
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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.
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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.
Stock analysis
Petrolimex Insurance Corp (PGI) currently trades at 23,200 VND, while our model-based Fair Value estimate is 14,442 VND, 38% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 24,811 VND per share, and 1 of the 6 models we run sit above the 23,200 VND price.
Bear case: the Dividend Discount group reads lowest at 9,668 VND, and 5 of the 6 models stay below the price. Data coverage for this calculation is low.
Scenario range: 13,505 VND (bear) to 16,283 VND (bull), the price of 23,200 VND sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 51/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Petrolimex Insurance Corp 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.
Key figures
Market cap 2.6T VND (≈ $101M) Micro · P/E ratio 12.2 · P/S ratio 0.66 · EPS (TTM) 1,894 VND · Dividend yield 6.0% · Net margin 6.5% · Return on equity 13.7% · Return on assets 2.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 1% below its 52-week high and 37% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at −38%, PGI screens richer than that median.
Fair Value models
Bear13,505 VNDFair Value 14,442 VNDBull16,283 VND
Price 23,200 VND · Downside -37.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (1,625 VND per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.45/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+8.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.5%
Start year 2020 (pandemic)
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.9%
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What shareholders gained per year (last 5 years), in VND ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in VND: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
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Peer Groupⓘ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.Insurance - Property & Casualty · 100 stocks
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Is Petrolimex Insurance Corp (PGI) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of 14,442 VND versus a price of 23,200 VND, about 38% lower (overvalued).
What is the fair value of PGI?
Our model-based fair value for Petrolimex Insurance Corp is 14,442 VND (as of Nov 9, 2026), built from audited fundamentals. The current price: 23,200 VND.
What is the quality score of PGI?
Petrolimex Insurance Corp has a Quality Score of 51/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Petrolimex Insurance Corp (PGI)?
Our model-based price target is the fair value of 14,442 VND (as of Nov 9, 2026) from 6 valuation models. Cautious scenario 13,505 VND, optimistic scenario 16,283 VND. It is a calculation from audited fundamentals, not an analyst target.
What is the Petrolimex Insurance Corp stock forecast for 2026?
Our models put fair value at 14,442 VND, about 38% lower versus a price of 23,200 VND (overvalued). Cautious scenario 13,505 VND, optimistic scenario 16,283 VND. The calculation is refreshed regularly with new filings.
What is the revenue of Petrolimex Insurance Corp (PGI)?
Petrolimex Insurance Corp reported trailing-twelve-month revenue of about 4.0T VND (latest available figure, as of Nov 9, 2026).
Does Petrolimex Insurance Corp pay a dividend?
Petrolimex Insurance Corp currently shows a dividend yield of 6.01% relative to its recent price (as of Nov 9, 2026).
How much is the dividend of Petrolimex Insurance Corp (PGI)?
Petrolimex Insurance Corp has a dividend yield of 6.0%.
What is the intrinsic value of Petrolimex Insurance Corp (PGI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Petrolimex Insurance Corp it is 14,442 VND per share (as of Nov 9, 2026), against a price of 23,200 VND. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Petrolimex Insurance Corp stock overvalued or undervalued in 2026?
As of Nov 9, 2026, PGI trades above its calculated fair value: price 23,200 VND, fair value 14,442 VND, a gap of about −38% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PGI?
No. The price is what the market pays today (23,200 VND); the fair value is what the company's own numbers justify (14,442 VND). For Petrolimex Insurance Corp the two are 8,758 VND per share apart. That gap is exactly why we show both numbers side by side.
How much is Petrolimex Insurance Corp worth?
The market values Petrolimex Insurance Corp at about 2.6T VND (market capitalisation, as of Nov 9, 2026). Per share that is 23,200 VND; our models calculate a fair value of 14,442 VND per share.
What do the bullish and bearish scenarios say about PGI?
Our models span a range for Petrolimex Insurance Corp: cautious scenario 13,505 VND, base 14,442 VND, optimistic 16,283 VND per share (as of Nov 9, 2026, price 23,200 VND). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PGI?
Petrolimex Insurance Corp trades at a price-to-earnings ratio of 12.2 (as of Nov 9, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 14,442 VND is built from several models across several years. Other multiples: P/B 1.3, P/S 0.7, EV/EBITDA 7.1.
How solid is the balance sheet of Petrolimex Insurance Corp (PGI)?
Balance-sheet figures for Petrolimex Insurance Corp (as of Nov 9, 2026): return on equity 13.7%. They feed the Quality Score of 51/100, which measures business quality independently of the share price.
How far is PGI from its 52-week high?
Petrolimex Insurance Corp trades at 23,200 VND, about 1% below its 52-week high of 23,450 VND and 37% above the low of 16,900 VND (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of 14,442 VND is for.
Which stocks are comparable to Petrolimex Insurance Corp?
From the same area (Financial Services) we also value Chubb Limited, The Progressive Corporation, The Travelers Companies, Inc, The Allstate Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Petrolimex Insurance Corp stock attractive at the current price?
The data as of Nov 9, 2026: price 23,200 VND, calculated fair value 14,442 VND (−38%), Quality Score 51/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PGI calculated?
We run Petrolimex Insurance Corp through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 14,442 VND builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Petrolimex Insurance Corp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Petrolimex Insurance Corp (PGI)?
The closing price on Nov 9, 2026 was 23,200 VND. Our model-based fair value is 14,442 VND, about 38% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Petrolimex Insurance Corp right now?
The price sits above even our optimistic bull case (16,283 VND). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (51/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Petrolimex Insurance Corp
How large is the market capitalisation of Petrolimex Insurance Corp (PGI)?
The market capitalisation of Petrolimex Insurance Corp is 2.6T VND (≈ $101M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Petrolimex Insurance Corp (PGI)?
The price-to-sales ratio of Petrolimex Insurance Corp is 0.66 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Petrolimex Insurance Corp (PGI)?
Earnings per share at Petrolimex Insurance Corp are 1,894 VND (price ÷ EPS = P/E 12.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Petrolimex Insurance Corp (PGI)?
The dividend yield of Petrolimex Insurance Corp is 6.0% (payout 73.6%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Petrolimex Insurance Corp (PGI)?
The net margin of Petrolimex Insurance Corp is 6.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Petrolimex Insurance Corp (PGI)?
The return on equity (ROE) of Petrolimex Insurance Corp is 13.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Petrolimex Insurance Corp (PGI)?
The return on assets (ROA) of Petrolimex Insurance Corp is 2.1% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Petrolimex Insurance Corp (PGI)?
The operating margin of Petrolimex Insurance Corp is 11.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Petrolimex Insurance Corp (PGI)?
Revenue at Petrolimex Insurance Corp is growing +8.6% versus a year earlier (3y avg +7.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Petrolimex Insurance Corp (PGI)?
Earnings per share at Petrolimex Insurance Corp are growing +8.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Petrolimex Insurance Corp (PGI) generate?
The free cash flow of Petrolimex Insurance Corp is −23.1B VND (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Petrolimex Insurance Corp (PGI) carry?
The net debt of Petrolimex Insurance Corp is 804B VND (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Nov 9, 2026