Post Telecommunication Insurance JSC (PTI) 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

PVI Reinsurance JSC

Vietnam National Reinsurance Corp.

PJICO Insurance Corp.

Post Telecommunication Insurance JSC

Agriculture Bank Insurance JSC

Why is Post Telecommunication Insurance JSC ?

Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 9.86%

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

Flat results in Mar 26

INTEREST(HY) At VND 55,705.21 MM has Grown at 45.55%
ROCE(HY) Lowest at 11.2%
OPERATING PROFIT MARGIN(Q) Lowest at 9.8 %

Underperformed the market in the last 1 year

The stock has generated a return of 28.10% in the last 1 year, much lower than market (Vietnam VN Ho Chi Minh Index) returns of 38.87%

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 Post Telecommunication Insurance JSC for you?

High Risk, Low Return

Absolute

Risk Adjusted

Volatility

Post Telecommunication Insurance JSC

28.1%

0.44

46.35%

Vietnam VN Ho Chi Minh Index

38.87%

1.81

21.48%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

-5.90%

EBIT Growth (5y)

0.00%

EBIT to Interest (avg)

0.59

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

20.11%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

9.86%

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

1.36

EV to EBIT

EV to EBITDA

-23.47

EV to Capital Employed

0.45

EV to Sales

-0.24

PEG Ratio

Dividend Yield

ROCE (Latest)

ROE (Latest)

10.95%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bullish

RSI

No Signal

Bearish

Bollinger Bands

Mildly Bearish

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Bullish

Dow Theory

Mildly Bearish

No Trend

OBV

Mildly Bearish

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

5What is working for the Company

OPERATING CASH FLOW(Y)

Highest at VND 320,360.13 MM

RAW MATERIAL COST(Y)

Fallen by 0% (YoY

DEBT-EQUITY RATIO (HY)

Lowest at -2.91 %

NET SALES(Q)

Highest at VND 906,006.92 MM

-8What is not working for the Company

INTEREST(HY)

At VND 55,705.21 MM has Grown at 45.55%

ROCE(HY)

Lowest at 11.2%

OPERATING PROFIT MARGIN(Q)

Lowest at 9.8 %

PRE-TAX PROFIT(Q)

Lowest at VND 82,613.7 MM

Here's what is working for Post Telecommunication Insurance JSC

Operating Cash Flow

Highest at VND 320,360.13 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (VND MM)

Net Sales

Highest at VND 906,006.92 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (VND MM)

Debt-Equity Ratio

Lowest at -2.91 %

in the last five Semi-Annual periods

MOJO Watch

The company has been reducing its borrowing as compared to equity capital

Debt-Equity Ratio

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

Depreciation

At VND 7,347.08 MM has Grown at 55.77%

period on period (QoQ)

MOJO Watch

The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales

Depreciation (VND MM)

Here's what is not working for Post Telecommunication Insurance JSC

Interest

At VND 55,705.21 MM has Grown at 45.55%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (VND MM)

Operating Profit Margin

Lowest at 9.8 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at VND 82,613.7 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (VND MM)