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PJICO InsuranceSTC:PGI +2.00%66 EV-to-EBITDA is 10.01 as of Sep. 08, 2026, which is 7% above its 10-year median of 9.32. GuruFocus rates STC:PGI with a GF Score™ of 66/100 and a GF Value™ of ₫27,117.52 (Modestly Undervalued). The stock has 7 warning signs investors should review. Among 345 Insurance companies, PJICO Insurance ranks worse than 64.06% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, PJICO Insurance's enterprise value is ₫3,550,677 Mil.
PJICO Insurance's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 was ₫354,662 Mil. Therefore, PJICO Insurance's EV-to-EBITDA for today is 10.01.
The historical rank and industry rank for PJICO Insurance's EV-to-EBITDA or its related term are showing as below:
STC:PGI'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 6.64 Med: 9.32 Max: 16.12
Current: 10.02
During the past 10 years, the highest EV-to-EBITDA of PJICO Insurance was 16.12. The lowest was 6.64. And the median was 9.32.
STC:PGI's EV-to-EBITDA is ranked worse than 64.06% of 345
companies
in the Insurance industry
Industry Median: 8.08
vs STC:PGI: 10.02
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
PJICO Insurance's PE Ratio (TTM) for today is calculated as:
PJICO Insurance's share price for today is ₫23000.00.
PJICO Insurance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₫1894.421.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for PJICO Insurance's EV-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Property & Casualty subindustry, PJICO Insurance's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
PJICO Insurance EV-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, PJICO Insurance's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where PJICO Insurance's EV-to-EBITDA falls into.
PJICO Insurance's current Enterprise Value is ₫3,550,677 Mil.
PJICO Insurance's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₫354,662 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PJICO Insurance (STC:PGI) has a EV-to-EBITDA of 10.01 as of Sep. 08, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on PJICO Insurance. This is near median its historical median of 9.32. Over the past decade, PJICO Insurance's EV-to-EBITDA has ranged from 6.64 to 16.12. According to the industry distribution chart, PJICO Insurance ranks #221 out of 345 companies in the Insurance industry, placing it in the top 64.1%.
Is PJICO Insurance's EV-to-EBITDA too high?
PJICO Insurance's current EV-to-EBITDA of 10.01 is near median its 10-year median of 9.32. Over the past 10 years, this metric has ranged from a low of 6.64 to a high of 16.12. The Insurance industry median EV-to-EBITDA is 8.08. PJICO Insurance's value of 10.01 is 23.9% above this industry median. Based on the distribution chart, PJICO Insurance ranks #221 out of 345 companies in the Insurance industry, which is below the industry midpoint. Overall, PJICO Insurance has a GF Score™ of 66/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PJICO Insurance's EV-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, PJICO Insurance ranks #221 out of 345 companies for EV-to-EBITDA. This places PJICO Insurance in the lower half of its industry. The industry median EV-to-EBITDA is 8.08. PJICO Insurance's value of 10.01 is 23.9% above this benchmark. Historically, PJICO Insurance's own EV-to-EBITDA has ranged from 6.64 to 16.12 over the past decade. While the company's 10-year median is 9.32 vs. the industry median of 8.08, PJICO Insurance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBITDA for an Insurance company?
The median EV-to-EBITDA among Insurance companies is 8.08, based on 345 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PJICO Insurance's current EV-to-EBITDA of 10.01 is 23.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on PJICO Insurance. For the Insurance industry, the median EV-to-EBITDA is 8.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PJICO Insurance's current EV-to-EBITDA is 10.01, which is near median its own 10-year median of 9.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PJICO Insurance stock overvalued right now?
Based on GuruFocus' analysis, PJICO Insurance (STC:PGI) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫27,117.52, compared to a current price of ₫23,000.00 — trading 15.2% below its estimated fair value. The current EV-to-EBITDA is 10.01, which is near median its 10-year median of 9.32 and 23.9% above the Insurance industry median of 8.08. PJICO Insurance's overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For PJICO Insurance (STC:PGI), the current EV-to-EBITDA is 10.01 as of Sep. 08, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PJICO Insurance (STC:PGI) Overvalued in 2026?
Based on GuruFocus' analysis, PJICO Insurance stock appears to be undervalued.
The current stock price of ₫23,000.00 is trading 15.2% below its estimated GF Value™ of ₫27,117.52.
GuruFocus considers PJICO Insurance to be Modestly Undervalued.
Key valuation signals for STC:PGI:
EV-to-EBITDA: 10.01 (near median its 10-year median of 9.32)
GF Value™: ₫27,117.52 vs. price of ₫23,000.00 (15.2% below fair value)
Industry Position: 23.9% above the Insurance median (#221 of 345)
No single metric tells the full story. See the STC:PGI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PJICO Insurance Corp is an insurance company. The company is engaged in providing various non-life insurance products, which include automobile insurance covering third-party liability, passenger accidents, and automobile damage.
66GF Score
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