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PJICO InsuranceSTC:PGI 66 Net Margin % is 5.32% as of Mar. 2026, which is 12% above its 10-year median of 4.73. 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 503 Insurance companies, PJICO Insurance ranks worse than 72.37% on this metric.
Net margin is calculated as Net Income divided by its Revenue. PJICO Insurance's Net Income for the
three
months ended in Mar. 2026 was ₫77,134 Mil. PJICO Insurance's Revenue for the
three
months ended in Mar. 2026 was ₫1,449,469 Mil. Therefore, PJICO Insurance's net margin for the quarter that ended in Mar. 2026 was 5.32%.
The historical rank and industry rank for PJICO Insurance's Net Margin % or its related term are showing as below:
STC:PGI'
s Net Margin % Range Over the Past 10 Years
Min: 4.54 Med: 4.73 Max: 8.39
Current: 4.58
STC:PGI's Net Margin % is ranked worse than 72.37% of 503
companies
in the Insurance industry
Industry Median: 9.2
vs STC:PGI: 4.58
PJICO Insurance (STC:PGI) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
PJICO Insurance Net Margin % Related Terms
PJICO Insurance Net Margin % Historical Data
* Premium members only.
The historical data trend for PJICO Insurance's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, PJICO Insurance's Net Margin % distribution charts can be found below:
* The bar in red indicates where PJICO Insurance's Net Margin % falls into.
* 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 Net Margin % of 5.32% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on PJICO Insurance and its competitors. This is 12% above median its historical median of 4.73. Over the past decade, PJICO Insurance's Net Margin % has ranged from 4.54 to 8.39. According to the industry distribution chart, PJICO Insurance ranks #364 out of 503 companies in the Insurance industry, placing it in the top 72.4%.
Is PJICO Insurance's Net Margin % too high?
PJICO Insurance's current Net Margin % of 5.32% is 12% above median its 10-year median of 4.73. Over the past 10 years, this metric has ranged from a low of 4.54 to a high of 8.39. The Insurance industry median Net Margin % is 9.20. PJICO Insurance's value of 5.32% is 42.2% below this industry median. Based on the distribution chart, PJICO Insurance ranks #364 out of 503 companies in the Insurance industry, which is below the industry midpoint. 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 Net Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, PJICO Insurance ranks #364 out of 503 companies for Net Margin %. This places PJICO Insurance in the lower half of its industry. The industry median Net Margin % is 9.20. PJICO Insurance's value of 5.32% is 42.2% below this benchmark. Historically, PJICO Insurance's own Net Margin % has ranged from 4.54 to 8.39 over the past decade. While the company's 10-year median is 4.73 vs. the industry median of 9.20, PJICO Insurance has consistently been below 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.20, based on 503 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PJICO Insurance's current Net Margin % of 5.32% is 42.2% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on PJICO Insurance and its competitors. For the Insurance industry, the median Net Margin % is 9.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PJICO Insurance's current Net Margin % is 5.32%, which is 12% above median its own 10-year median of 4.73. 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 Net Margin % is 5.32%, which is 12% above median its 10-year median of 4.73 and 42.2% below the Insurance industry median of 9.20. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For PJICO Insurance (STC:PGI), the current Net Margin % is 5.32% as of Mar. 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:
Net Margin %: 5.32% (12% above median its 10-year median of 4.73)
GF Value™: ₫27,209.79 vs. price of ₫18,150.00 (33.3% below fair value)
Industry Position: 42.2% below the Insurance median (#364 of 503)
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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