BHI
Tổng Công ty Cổ phần Bảo hiểm Sài Gòn - Hà Nội
Calibrated intrinsic value vs last close
Illustrative estimate- Last close (VND)
- 6.400
- Calibrated intrinsic value (VND)
- 6.930
Last close × (1 + calibrated gap / 100)
Earnings-capitalised value
Not available: the company reported a loss last year or its shares have too short a price history.
How it is calculated
- 1Measure the gap
Between the model and the last close.
- 2Check the record2015–2024
What gaps of that size went on to earn over the following year.
- 3Apply to the close
That return is applied to the last close.
Keep in mind
- For illustration only: not a validated forecast.
- No uncertainty range: the estimate is a single figure.
- Older record: it has not been re-measured on the current data.
Why it needs review
- Trading liquidity is below the comparison threshold.
This estimate remains visible for checking its calculation. Its inputs require review before using it in a stock comparison. The model comparison behind this value needs review. The estimate does not remove the data limitations listed above.
Comparison assessed 3 Nov 2026Valid through 26 Nov 2026
- Model reliability
- Low
- Model fitInput stabilityRisk checks
- High requires the model’s diagnostic criteria to be met.
- Probability of outperforming peers
- Not assessed
- A separate peer-outperformance probability is unavailable for this valuation.
These assessments address different questions. Neither establishes that the displayed valuation is correct or guarantees a future return.
Valuation Breakdown
Insurance companies hold long-duration liabilities (future claims) whose true economic value isn't fully captured by accounting book value. This model benchmarks the insurer against peers: it takes the median P/B of comparable insurers and adjusts it based on how the target's profitability (ROE) compares to the peer group. A more profitable insurer deserves a premium; a less profitable one, a discount.
Technical details
Insurers' embedded value (present value of future profits from in-force policies) is difficult to calculate from public data alone. Peer-relative P/B with an ROE adjustment serves as a practical proxy within the limits of the available data.
Takes the median P/B multiple of listed insurance peers and pulls it toward a 1.5x prior, more strongly when there are few peers (weight N/(N+4)). Adjusts by the ratio of the company's ROE to the peer median ROE (clamped to 0.7x-1.5x to prevent extremes). Multiplies adjusted P/B by current BVPS.
Life and non-life insurance companies where embedded value data is unavailable and peer benchmarking provides the most reliable reference.
We take the model’s gap to the last close, read what gaps of that size went on to earn over the following year in our 2015 to 2024 record, and apply that to the last close.
Last close × (1 + calibrated gap / 100)
Earnings Quality
Quantitative Scores
Key Ratios
- P/E
- 50.19
- ROE
- 1.1%
- ROA
- 0.3%
- EPS
- 128
- BVPS
- 11.951
- Net Margin
- 0.5%
- Rev Growth
- −7.0%
- Profit Growth
- −9.4%
- Div Yield
- —
Company Overview
- Shares outstanding
- 100M
- Charter Capital
- 1,000B VND
- Sector (ICB L2)
- Bảo hiểm
- Industry (ICB L3)
- Bảo hiểm phi nhân thọ
- Sub-industry
- Bảo hiểm phi nhân thọ
- Company Type
- BH