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PJICO InsuranceSTC:PGI 66 PS Ratio is 0.36 as of Jul. 21, 2026, which is 33% below its 10-year median of 0.54. GuruFocus rates STC:PGI with a GF Score™ of 66/100 and a GF Value™ of ₫27,248.75 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 501 Insurance companies, PJICO Insurance ranks better than 90.62% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, PJICO Insurance's share price is ₫17600.00.
PJICO Insurance's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ₫49,535.71. Hence, PJICO Insurance's PS Ratio for today is 0.36.
Good Sign:
PJICO Insurance Corp stock PS Ratio (=0.36) is close to 10-year low of 0.34.
The historical rank and industry rank for PJICO Insurance's PS Ratio or its related term are showing as below:
STC:PGI'
s PS Ratio Range Over the Past 10 Years
Min: 0.34 Med: 0.54 Max: 0.93
Current: 0.36
During the past 8 years, PJICO Insurance's highest PS Ratio was 0.93. The lowest was 0.34. And the median was 0.54.
STC:PGI's PS Ratio is ranked better than 90.62% of 501
companies
in the Insurance industry
Industry Median: 1.16
vs STC:PGI: 0.36
During the past 12 months, the average Revenue per Share Growth Rate of PJICO Insurance was 9.70% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 7.70% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 6.30% per year.
During the past 8 years, PJICO Insurance's highest 3-Year average Revenue per Share Growth Rate was 8.70% per year. The lowest was 5.70% per year. And the median was 6.10% per year.
Back to Basics: PS Ratio
PJICO Insurance (STC:PGI) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
PJICO Insurance PS Ratio Related Terms
PJICO Insurance PS Ratio Historical Data
* Premium members only.
The historical data trend for PJICO Insurance's PS Ratio 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 PS Ratio, along with its competitors' market caps and PS Ratio 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 PS Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, PJICO Insurance's PS Ratio distribution charts can be found below:
* The bar in red indicates where PJICO Insurance's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
PJICO Insurance's Share Price of today is ₫17600.00. PJICO Insurance's Revenue per Share 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 ₫49,535.71.
* 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.
It can also be calculated from the numbers for the whole company:
PJICO Insurance (STC:PGI) has a PS Ratio of 0.36 as of Jul. 21, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on PJICO Insurance and its competitors. This is 33% below median its historical median of 0.54. Over the past decade, PJICO Insurance's PS Ratio has ranged from 0.34 to 0.93. According to the industry distribution chart, PJICO Insurance ranks #47 out of 501 companies in the Insurance industry, placing it in the top 9.4%.
Is PJICO Insurance's PS Ratio too high?
PJICO Insurance's current PS Ratio of 0.36 is 33% below median its 10-year median of 0.54. Over the past 10 years, this metric has ranged from a low of 0.34 to a high of 0.93. The Insurance industry median PS Ratio is 1.16. PJICO Insurance's value of 0.36 is 69% below this industry median. Based on the distribution chart, PJICO Insurance ranks #47 out of 501 companies in the Insurance industry, which is in the top quartile — a strong position 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 PS Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, PJICO Insurance ranks #47 out of 501 companies for PS Ratio. This places PJICO Insurance in the top 9% of its industry — outperforming the majority of peers. The industry median PS Ratio is 1.16. PJICO Insurance's value of 0.36 is 69% below this benchmark. Historically, PJICO Insurance's own PS Ratio has ranged from 0.34 to 0.93 over the past decade. While the company's 10-year median is 0.54 vs. the industry median of 1.16, 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 PS Ratio for an Insurance company?
The median PS Ratio among Insurance companies is 1.16, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PJICO Insurance's current PS Ratio of 0.36 is 69% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on PJICO Insurance and its competitors. For the Insurance industry, the median PS Ratio is 1.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PJICO Insurance's current PS Ratio is 0.36, which is 33% below median its own 10-year median of 0.54. 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 ₫27,248.75, compared to a current price of ₫17,600.00 — trading 35.4% below its estimated fair value. The current PS Ratio is 0.36, which is 33% below median its 10-year median of 0.54 and 69% below the Insurance industry median of 1.16. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For PJICO Insurance (STC:PGI), the current PS Ratio is 0.36 as of Jul. 21, 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 ₫17,600.00 is trading 35.4% below its estimated GF Value™ of ₫27,248.75.
GuruFocus considers PJICO Insurance to be Significantly Undervalued.
Key valuation signals for STC:PGI:
PS Ratio: 0.36 (33% below median its 10-year median of 0.54)
GF Value™: ₫27,248.75 vs. price of ₫17,600.00 (35.4% below fair value)
Industry Position: 69% below the Insurance median (#47 of 501)
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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