PJICO Insurance Corp. (PGI) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Military Insurance Corp.

PVI Holdings

BIDV Insurance Corp.

PJICO Insurance Corp.

Agriculture Bank Insurance JSC

Why is PJICO Insurance Corp. ?

Weak Long Term Fundamental Strength with a 0.00% CAGR growth in Operating Profits

Poor long term growth as Operating profit has grown by an annual rate of 0.00%

Negative 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 %

Consistent Underperformance against the benchmark over the last 3 years

Along with generating -12.72% 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 Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is PJICO Insurance Corp. for you?

Low Risk, Low Return

Absolute

Risk Adjusted

Volatility

PJICO Insurance Corp.

-12.72%

-0.62

30.68%

Vietnam VN Ho Chi Minh Index

43.59%

1.93

22.62%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality 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)

Sales to Capital Employed (avg)

Tax Ratio

20.24%

Dividend Payout Ratio

57.30%

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

12.27%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.20

EV to EBIT

-1292711.48

EV to EBITDA

-22.32

EV to Capital Employed

0.78

EV to Sales

-0.40

PEG Ratio

7.01

Dividend Yield

5.94%

ROCE (Latest)

ROE (Latest)

12.44%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Dow Theory

No Trend

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

1What is working for the Company

RAW MATERIAL COST(Y)

Fallen by 0% (YoY

-10What is not working for the Company

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 %

PRE-TAX PROFIT(Q)

Lowest at VND 46,213.14 MM

Here's what is working for PJICO Insurance Corp.

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 8,401.58 MM has Grown at inf%

period on period (QoQ)

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (VND MM)

Operating Profit Margin

Lowest at 6.07 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at VND 46,213.14 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (VND MM)