ScoreWhy is PJICO Insurance Corp. ?
1
Weak Long Term Fundamental Strength with a 0.00% CAGR growth in Operating Profits
2
Poor long term growth as Operating profit has grown by an annual rate of 0.00%
3
Flat results in Sep 25
- ROCE(HY) Lowest at 12.41%
- INTEREST(Q) At VND 8,401.58 MM has Grown at inf%
- OPERATING PROFIT MARGIN(Q) Lowest at 6.07 %
4
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -13.33% returns in the last 1 year, the stock has also underperformed Vietnam VN Ho Chi Minh Index in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to PJICO Insurance Corp. should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is PJICO Insurance Corp. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
PJICO Insurance Corp.
-18.83%
-0.62
30.71%
Vietnam VN Ho Chi Minh Index
38.87%
1.90
22.90%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.30%
EBIT Growth (5y)
0.00%
EBIT to Interest (avg)
100.00
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
20.24%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
12.27%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
1.14
EV to EBIT
-1618060.53
EV to EBITDA
-27.94
EV to Capital Employed
0.86
EV to Sales
-0.50
PEG Ratio
6.76
Dividend Yield
1.03%
ROCE (Latest)
ROE (Latest)
12.20%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
No Trend
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
OPERATING CASH FLOW(Y)
Highest at VND 557,279.04 MM
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
NET SALES(Q)
Highest at VND 946,220.49 MM
-8What is not working for the Company
INTEREST(HY)
At VND 16,534.19 MM has Grown at 61.17%
DEBT-EQUITY RATIO
(HY)
Highest at 54.28 %
Here's what is working for PJICO Insurance Corp.
Operating Cash Flow
Highest at VND 557,279.04 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (VND MM)
Net Sales
Highest at VND 946,220.49 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for PJICO Insurance Corp.
Interest
At VND 16,534.19 MM has Grown at 61.17%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (VND MM)
Debt-Equity Ratio
Highest at 54.28 %
in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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