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PJICO InsuranceSTC:PGI 66 EV-to-FCF is 22.95 as of Jul. 14, 2026, which is 23% above its 10-year median of 18.60. GuruFocus rates STC:PGI with a GF Score™ of 66/100 and a GF Value™ of ₫27,209.79 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 395 Insurance companies, PJICO Insurance ranks worse than 80.76% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, PJICO Insurance's Enterprise Value is ₫2,914,429 Mil.
PJICO Insurance's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₫126,973 Mil. Therefore, PJICO Insurance's EV-to-FCF for today is 22.95.
The historical rank and industry rank for PJICO Insurance's EV-to-FCF or its related term are showing as below:
STC:PGI'
s EV-to-FCF Range Over the Past 10 Years
Min: -181.12 Med: 18.6 Max: 183.98
Current: 21.95
During the past 8 years, the highest EV-to-FCF of PJICO Insurance was 183.98. The lowest was -181.12. And the median was 18.60.
STC:PGI's EV-to-FCF is ranked worse than 80.76% of 395
companies
in the Insurance industry
Industry Median: 9.97
vs STC:PGI: 21.95
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 ₫18150.00.
PJICO Insurance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₫1825.797.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
PJICO Insurance EV-to-FCF Related Terms
PJICO Insurance EV-to-FCF Historical Data
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The historical data trend for PJICO Insurance's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, PJICO Insurance's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where PJICO Insurance's EV-to-FCF falls into.
PJICO Insurance's current Enterprise Value is ₫2,914,429 Mil.
PJICO Insurance's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₫126,973 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-FCF of 22.95 as of Jul. 14, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on PJICO Insurance and its competitors. This is 23% above median its historical median of 18.60. According to the industry distribution chart, PJICO Insurance ranks #319 out of 395 companies in the Insurance industry, placing it in the top 80.8%.
Is PJICO Insurance's EV-to-FCF too high?
PJICO Insurance's current EV-to-FCF of 22.95 is 23% above median its 10-year median of 18.60. The Insurance industry median EV-to-FCF is 9.97. PJICO Insurance's value of 22.95 is 130.2% above this industry median. Based on the distribution chart, PJICO Insurance ranks #319 out of 395 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, PJICO Insurance has a GF Score™ of 66/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PJICO Insurance's EV-to-FCF compare to CB and PGR?
According to the Insurance industry distribution chart, PJICO Insurance ranks #319 out of 395 companies for EV-to-FCF. This places PJICO Insurance in the lower half of its industry. The industry median EV-to-FCF is 9.97. PJICO Insurance's value of 22.95 is 130.2% above this benchmark. While the company's 10-year median is 18.60 vs. the industry median of 9.97, 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.97, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PJICO Insurance's current EV-to-FCF of 22.95 is 130.2% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on PJICO Insurance and its competitors. For the Insurance industry, the median EV-to-FCF is 9.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PJICO Insurance's current EV-to-FCF is 22.95, which is 23% above median its own 10-year median of 18.60. 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 Significantly Undervalued. The stock's GF Value™ is ₫27,209.79, compared to a current price of ₫18,150.00 — trading 33.3% below its estimated fair value. The current EV-to-FCF is 22.95, which is 23% above median its 10-year median of 18.60 and 130.2% above the Insurance industry median of 9.97. PJICO Insurance's overall GF Score™ is 66/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For PJICO Insurance (STC:PGI), the current EV-to-FCF is 22.95 as of Jul. 14, 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 ₫18,150.00 is trading 33.3% below its estimated GF Value™ of ₫27,209.79.
GuruFocus considers PJICO Insurance to be Significantly Undervalued.
Key valuation signals for STC:PGI:
EV-to-FCF: 22.95 (23% above median its 10-year median of 18.60)
GF Value™: ₫27,209.79 vs. price of ₫18,150.00 (33.3% below fair value)
Industry Position: 130.2% above the Insurance median (#319 of 395)
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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