PJICO Insurance (STC:PGI) Moat Score: 0/10 (As of Jul. 14, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

STC:PGI PJICO Insurance Corp STC:PGI
66 GF Score
Price ₫18,150.00
GF Value ₫27,209.79
Valuation Significantly Undervalued
! 3 Warning Signs
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What is PJICO Insurance Moat Score?

PJICO Insurance has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

PJICO Insurance has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes PJICO Insurance might have No Moat - No discernible moat.

PJICO Insurance  (STC:PGI) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

PJICO Insurance Moat Score Related Terms

STC:PGI
66GF Score
PJICO Insurance Corp STC:PGI
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Moat Score: 0
  • GF Value™: ₫27,209.79 vs. price of ₫18,150.00 (33.3% below fair value)
  • GF Score™: 66/100 with 3 warning signs

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 Business Description

Address Mipec Building, 229 Tay Son Street, 21st and 22nd Floors, Dong Da District, Ha Noi, VNM
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

Get the complete analysis for STC:PGI

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫18,150.00
Price
₫27,209.79
GF Value