PGI.VN Petrolimex Insurance Corp
- Market cap
- VND 2.22T
- P/E
- 11.1x
- P/B
- 1.28x
- ROE
- 18.0%
- Dividend yield
- 6.01%
- Fundamental score
- 2.5/5
Ratios use the latest price and the current fiscal year annualized from 2 quarters up to Jun 2026.
Is PGI.VN undervalued?
Graham numberPGI.VN trades 20.7% below its Graham number.
Graham number = √(22.5 × EPS × book value per share): the most a defensive investor should pay according to Benjamin Graham. An estimate, not a recommendation to buy or sell. How is it calculated?
Petrolimex Insurance Corp fundamental analysis
10 of 18 checks passedROE 1/2
Moderate return on equity (18.0%), between 10% and 20%.
ROA 0/1
Return on assets (3.4%) is below the industry median (3.6%).
Profit Consistency 2/2
Profitable for 7 consecutive years.
Earnings Growth 5Y 0/1
Earnings per share history is shorter than 5 years.
Earnings Acceleration 0/1
Not enough positive earnings history to compare last year's growth with the 5-year average.
Earnings Growth vs Industry 0/1
Last year's EPS growth (5.7%) is below the industry median (17.5%).
Revenue Growth 1/2
Revenue grew 7.7% a year over the past 3 years.
Leverage 2/2
Total assets are 5.3x equity, within a prudent level for a financial company.
Equity Growth 1/1
Shareholders' equity grew over the past 5 years.
PE vs Market 1/1
PE (10.6x) is below the market median (11.2x).
PE vs Industry 1/1
PE (10.6x) is below the industry median (11.2x).
PBV 0/1
Price to book (1.2x) is above the industry median (1.2x).
Graham Number 1/1
The price is below the Graham number (PE x PB = 12.8, limit 22.5).
PEG 0/1
PEG needs positive PE and positive 5-year earnings growth.
Dividend Yield 1/2
Dividend yield (6.0%) is above the bottom 25% of dividend payers in the market.
Dividend Stability 0/2
Dividends were not paid steadily for the past 5 years.
Dividend Growth 0/1
Dividends paid did not grow over the past 5 years.
Payout Ratio 1/1
Payout ratio is 54.2%, covered by earnings.
Each check is worth 1 or 2 points by how much it says about the quality of the company. The score is the share of points earned, out of 5. Ask AI to explain this score
Petrolimex Insurance Corp stock price
Prices on the chart can differ slightly from the closing prices StockSummer uses for its ratios.
About Petrolimex Insurance Corp
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 foun…
Full company profilePetrolimex Insurance Corp financial statements
2026 annualized: Fiscal year 2026 is not finished. Income statement and cash flow are annualized from 2 quarters up to Jun 30, 2026, the balance sheet is the latest quarter. Figures change when the annual report is published.
Petrolimex Insurance Corp annual financial statements (VND; K = thousand, M = million, B = billion, T = trillion)
| Item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 Anlz |
|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||
| Revenue | 3.52T | 3.84T | 4.10T | 4.20T | 4.54T | 4.85T | 5.26T | 5.96T |
| Net Income | 163B | 175B | 344B | 204B | 229B | 232B | 246B | 344B |
| EPS | - | - | 3,100 | 1,837 | 2,066 | 2,094 | 2,214 | 3,105 |
| Balance Sheet | ||||||||
| Total Assets | 5.84T | 6.12T | 6.37T | 6.76T | 7.45T | 8.42T | 9.23T | 10.2T |
| Total Liabilities | 4.31T | 4.64T | 4.59T | 5.08T | 5.58T | 6.52T | 7.27T | 8.28T |
| Shareholders' Equity | 1.54T | 1.48T | 1.78T | 1.68T | 1.86T | 1.91T | 1.95T | 1.92T |
| Cash & Short-term Investments | 111B | 110B | 101B | 109B | 144B | 150B | 102B | 130B |
| Cash Flow | ||||||||
| Operating Cash Flow | 77.0B | 136B | 33.4B | 288B | - | - | - | - |
| Capital Expenditure | 23.7B | 63.6B | 53.9B | 53.8B | 63.5B | 33.9B | 96.6B | 20.2B |
| Free Cash Flow | 53.3B | 72.6B | -20.5B | 234B | 28.7B | 164B | -23.1B | 212B |
| Ratios | ||||||||
| ROE | 10.6% | 11.9% | 19.3% | 12.1% | 12.3% | 12.2% | 12.6% | 18.0% |
| ROA | 2.8% | 2.9% | 5.4% | 3.0% | 3.1% | 2.8% | 2.7% | 3.4% |
| Net Profit Margin | 4.6% | 4.6% | 8.4% | 4.8% | 5.0% | 4.8% | 4.7% | 5.8% |
What these items mean
- Revenue
- Total sales of goods and services in the period.
- Net Income
- Profit left for shareholders after all expenses, interest and taxes.
- EPS
- Net income divided by shares outstanding.
- Total Assets
- Everything the company owns.
- Total Liabilities
- Everything the company owes.
- Shareholders' Equity
- Assets minus liabilities: the book value that belongs to shareholders.
- Cash & Short-term Investments
- Cash and investments that can be turned into cash quickly.
- Operating Cash Flow
- Cash generated by the core business.
- Capital Expenditure
- Cash spent on property, plant and equipment.
- Free Cash Flow
- Operating cash flow minus capital expenditure: cash left for dividends, buybacks or debt repayment.
- ROE
- Return on equity: net income divided by shareholders' equity.
- ROA
- Return on assets: net income divided by total assets.
- Net Profit Margin
- Net income as a share of revenue.
Petrolimex Insurance Corp dividends
- Dividend yield
- 6.01%
- Forward dividend
- 1,200.00 VND
- Payout ratio
- 54.2%
- Ex-dividend date
- May 26, 2026
| Fiscal year | Dividends paid | Per share | Payout ratio |
|---|---|---|---|
| 2025 | VND 133B | 1,201 | 54.2% |
| 2024 | VND 133B | 1,195 | 57.1% |
| 2023 | VND 67.6B | 610 | 29.5% |
| 2022 | VND 151B | 1,363 | 74.2% |
| 2021 | VND 26.8B | 241 | 7.8% |
| 2020 | VND 191B | - | 109.1% |
| 2019 | VND 105B | - | 64.5% |
From the cash flow statement: dividends paid in the fiscal year, divided by that year's shares outstanding. Payout ratio = dividends paid / net income.
Last stock split: 125:100 on Mar 24, 2022.
Who owns Petrolimex Insurance Corp
- Insiders 69.13%
- Institutions 0.00%
- Public & others 30.87%
- Shares outstanding 111M
- Free float 43.3M
Petrolimex Insurance Corp company profile
- Company name
- Petrolimex Insurance Corp
- Ticker
- PGI.VN
- ISIN
- VN000000PGI2
- Exchange
- Vietnam Stocks
- Sector
- Financial Services
- Industry
- Insurance - Property & Casualty
- Employees
- 1,592
- Fiscal year end
- December
- Address
- MIPEC Building, Hanoi, Vietnam
- Phone
- 84 24 3776 0867
- Website
- pjico.com.vn
About Petrolimex Insurance Corp
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.
Petrolimex Insurance Corp management
5- Mr. Tuan Anh TranCEO & Member of Management Board · born 1969
- Mr. Hung Quoc VuongDeputy Chief Executive Officer & Member of Management Board · born 1969
- Mr. Thao Van BuiDeputy Chief Executive Officer & Member of Management Board
- Ms. Hien Thu PhamChief Accountant & Member of the Management Board
- Ms. Oanh Thi Ngoc DangDeputy Chief Executive Officer & Member of Management Board