Pgi.Hm
PGI.HM operates in the property and casualty insurance industry, providing insurance products and services to customers, generating revenue primarily through premium income and investment returns.
Business. PGI.HM operates in the property and casualty insurance industry, providing insurance products and services to customers, generating revenue primarily through premium income and investment returns.
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- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
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Composite-score breakdown
Synthesis
PGI.HM operates in the property and casualty insurance industry, providing insurance products and services to customers, generating revenue primarily through premium income and investment returns.
PGI.HM maintains a capital structure with a debt-to-equity ratio of 0.46, indicating a relatively conservative leverage position compared to industry norms. The company's liquidity is assessed as medium, with a free cash flow of 77,338,139,029.9999 VND and a negative net cash position after subtracting total debt. The return on equity of 12.57% suggests strong profitability relative to equity, while the return on assets of 2.66% indicates moderate efficiency in asset utilization.
In terms of profitability, PGI.HM's return on equity of 12.57% is well above the industry median, reflecting strong earnings relative to shareholder equity. The return on assets of 2.66% is in line with the industry average, suggesting that the company is effectively managing its assets to generate returns. The operating income of 169,510,988,660.0 VND and net income of 245,548,590,130.0 VND further support the company's profitability.
PGI.HM's revenue is primarily concentrated in the insurance segment, with no disclosed geographic breakdown. The company's exposure to specific geographic regions is not detailed in the available data, but its operations are likely centered in the domestic market. The absence of segment-specific revenue data limits the ability to assess geographic diversification.
The company's growth trajectory is supported by a strong operating cash flow of 73,496,991,770.0 VND and a free cash flow of 77,338,139,029.9999 VND. The capital expenditure of -96,568,813,180.0 VND indicates a net outflow, which may be related to investments in infrastructure or technology. The last actual revenue of 2,920,923,855,700 VND and EPS of 1,582.20 VND suggest a stable financial performance.
Risk factors for PGI.HM include medium liquidity risk, primarily due to the negative net cash position after subtracting total debt. The dilution risk is assessed as low, with no significant dilution potential identified. The company's capital structure and financial performance suggest a relatively stable risk profile.
Recent events and disclosures for PGI.HM include the latest financial results, with a focus on operating and net income. The company's capital expenditures and cash flow figures indicate ongoing investment activity. No major regulatory or operational events are disclosed in the available data.
- PGI.HM has a strong return on equity of 12.57%, indicating effective use of shareholder capital.
- The company's debt-to-equity ratio of 0.46 suggests a conservative capital structure.
- PGI.HM's liquidity is assessed as medium, with a negative net cash position after subtracting total debt.
- The company's operating and net income figures reflect strong profitability.
- The absence of geographic and segment-specific revenue data limits the assessment of diversification.
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- Net cash is negative after subtracting total debt.
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- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Return On Equitynet_income / total_equity
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- Cash Conversion Ratiooperating_cash_flow / net_income
- Return On Assetsnet_income / total_assets
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