PTI

HNXFinancials

Tổng Joint Stock Company Insurance Bưu điện

Original Name: Tổng Công ty Cổ phần Bảo hiểm Bưu điện

Reference Price25.000 ₫

Interactive Stock Chart

Exchange Ticker: HNX:PTI

Listing Information

Exchange MarketHNX

Live SectorInsurance

First Trading Date02/03/2011

First Close Price₫14,600

Capital Structure

Charter Capital1,205.94 Billion VND

Listed Shares80,395,709

Outstanding Shares120,592,129

Treasury Shares-

Detailed Corporate Timeline & Sectors

Establishment History:

Postal Insurance Joint Stock Corporation (PTI), formerly known as Postal Insurance Joint Stock Company, was granted Certificate of eligibility and conditions for insurance business operations by the Ministry of Finance No. 10/TC/GCN dated June 18, 1998, and was established by the Hanoi People's Committee under License No. 3633/GP-UB dated August 1, 1998; Hanoi Department of Planning and Investment issued Business Registration Certificate No. 055051 on August 12, 1998.
On April 1, 2001, Law on Insurance Business No. 24/2000/QH10 dated December 9, 2000 officially took effect, whereby the Insurance Business License is used to replace the Business Registration Certificate of the Department of Planning and Investment. On February 1, 2007, the Ministry of Finance issued Establishment and Operation License No. 41A/GP/KDBH to PTI. Under this License, PTI's charter capital is 105 billion VND.

Capital raising process:

On January 25, 2008, PTI increased its charter capital to 300 billion VND
On March 30, 2010, the Ministry of Finance issued the second adjustment license No. 41A/GPDDC2/KDBH, allowing PTI to change its charter capital to 450 billion VND.
On June 30, 2010, PTI officially changed its name to "Post and Telecommunications Insurance Joint Stock Corporation" according to License No. 41A/GPDC4/KDBH of the Ministry of Finance.
On March 2, 2011, PTI officially listed on the Hanoi Stock Exchange with the stock trading code "PTI".
On August 6, 2012, the Ministry of Finance issued Adjustment License No. 41A/GPDDC8 allowing PTI to increase its charter capital to 503,957,090,000 VND.
On January 29, 2015, Dongbu insurance - the 2nd largest insurance company in Korea officially became a strategic shareholder of PTI, holding 37% of PTI's shares. Increase PTI's charter capital to 803,957,090,000 VND

Business Sectors:

- Original insurance business:

Health insurance and personal accident insurance;
Technical property insurance;
Insurance of goods transported by road, sea, river, rail and road
no;
General liability insurance;
Motor vehicle insurance;
Fire and explosion insurance;
Business loss insurance;
Satellite insurance;
Aviation insurance;
Ship insurance.

-Reinsurance business: Receiving and ceding reinsurance for all non-life insurance operations.

-Loss assessment: Assessment, investigation, calculation, loss allocation, loss assessment agent, request for compensation from a third party.

-Conduct investment activities in the following areas:

Buy government bonds;
Buy stocks and corporate bonds;
Real estate business;
Contribute capital to other businesses;
Lending according to the provisions of the Law on Credit Institutions;
Deposit money at credit institutions.

-Other activities as prescribed by law.

Address: 95 Tran Thai Tong, Cau Giay Ward, Hanoi City

Phone: 04.37724466 - Fax: 04.37724460 / 04.37724461

Disclosure Officer:

Email: [email protected]

Website: http://www.pti.com.vn/

Ratio / Financial Indicator	2022	2023	2024	2025
Earnings Per Share (EPS)	-₫2,881	₫2,097	₫2,668	₫2,417
Price-to-Earnings (P/E)	-	11.92x	9.37x	10.34x
Book Value Per Share (BVPS)	₫15,022	₫17,118	₫19,785	₫22,065
Price-to-Book (P/B)	1.66x	1.46x	1.26x	1.13x
Return on Equity (ROE)	-19.18%	12.25%	13.49%	10.95%
Return on Assets (ROA)	-4.15%	3.08%	3.82%	3.45%
Net Profit Margin	-6.74%	5.18%	8.27%	8.85%
Debt-to-Equity Ratio	3.62	2.98	2.53	2.17
Current Ratio	1.14	1.16	1.12	1.16

Audited Financial Statements

Source: KB Securities (KBS) Datafeed • Updated dynamically

Show absolute values (VND)

Doanh thu thuần HĐKD BH (10=03+04)Total net revenue from insurance business

-36.1% YoY

Lợi nhuận sau thuế thu nhập doanh nghiệpProfit after tax

TỔNG CỘNG TÀI SẢN (270=100+200)TOTAL ASSETS

+0.8% YoY

Financial Indicator (VND)	2025	2024	2023	2022
1. Doanh thu phí bảo hiểm (01= (01.1+01.2-01.3)1. Insurance premium (01=01.1+01.2-01.3)	4,023,922,943,000	4,725,346,643,000	5,911,877,014,000	6,105,621,475,000
- Thu phí bảo hiểm gốc1. Gross written premium	3,757,886,216,000	4,016,112,654,000	5,076,713,036,000	6,265,961,553,000
- Thu phí nhận tái bảo hiểm2. Reinsurance premium assumed	84,388,707,000	82,871,846,000	114,202,830,000	104,456,023,000
- Tăng (giảm) dự phòng phí bảo hiểm gốc và nhận tái bảo hiểm- Increase/(Decrese) in gross unearned premium reserve	-181,648,021,000	-626,362,143,000	-720,961,147,000	264,796,101,000
2. Phí nhượng tái bảo hiểm2. Reinsurance premium ceded	1,149,071,606,000	1,399,892,438,000	1,735,278,784,000	1,728,305,798,000
- Phí nhượng tái bảo hiểm - Reinsurance premium ceded	1,110,641,686,000	1,176,863,605,000	1,611,113,745,000	1,675,365,243,000
- Tăng (giảm) dự phòng phí nhượng tái bảo hiểm-Increase/(Decrease) in ceded unearned premium reserve	-38,429,920,000	-223,028,833,000	-124,165,039,000	-52,940,554,000
Các khoản giảm trừ3. Deductions	-	-	-	-
- Giảm phí Bảo hiểm - Premium deduction	-	-	-	-
- Hoàn phí Bảo hiểm - Premium returns	-	-	-	-
- Các khoản giảm trừ khác - Others	-	-	-	-
Tăng (giảm) dự phòng phí, dự phòng toán học4. Increase (Decrease) in unearned premium reserve and technical reserve	-	-	-	-
3. Doanh thu phí bảo hiểm thuần (03=01-02)3. Net insurance premium (03=01-02)	2,874,851,337,000	3,325,454,205,000	4,176,598,230,000	4,377,315,678,000
4. Hoa hồng nhượng tái bảo hiểm và doanh thu khác HĐKDBH (04=04.1+04.2)4. Commission on reinsurance ceded and other insurance income (04=04.1+04.2)	417,656,180,000	565,826,584,000	701,743,188,000	775,651,707,000
- Thu hoa hồng nhượng tái Bảo hiểm5. Commissions on reinsurance ceded	272,047,170,000	360,511,111,000	447,333,232,000	542,541,405,000
- Thu khác hoạt động kinh doanh Bảo hiểm6. Other income	145,609,010,000	205,315,473,000	254,409,956,000	233,110,302,000
+ Thu khác nhận tái Bảo hiểm - Income on reinsurance assumed	-	-	-	-
+ Thu khác nhượng tái bảo hiểm - Income on reinsurance ceded	-	-	-	-
+ Thu khác (giám định, đại lý,…) - Income from other activities	145,609,010,000	205,315,473,000	254,409,956,000	233,110,302,000
5. Doanh thu thuần HĐKD BH (10=03+04)7. Total net revenue from insurance business	3,292,507,518,000	3,891,280,789,000	4,878,341,417,000	5,152,967,385,000
5.1. Doanh thuần BH và CCDV7.1.Revenue	-	-	-	-
6. Chi bồi thường11. Claim expenses on retained risks	1,942,328,322,000	2,121,029,905,000	2,908,782,856,000	2,901,283,640,000
- Tổng chi bồi thườngTotal claim expenses	1,982,613,526,000	2,146,325,503,000	2,939,866,471,000	2,930,580,026,000
+ Chi bồi thường bảo hiểm gốc, trả tiền bảo hiểm8. Claim and maturity payment expenses	1,982,613,526,000	2,146,325,503,000	2,939,866,471,000	2,930,580,026,000
+ Chi bồi thường nhận tái bảo hiểm, trả tiền bảo hiểm9. Claim expenses for reinsurance assumed	-	-	-	-
- Các khoản giảm trừ10. Deductions	40,285,205,000	25,295,598,000	31,083,615,000	29,296,386,000
+ Thu đòi người thứ ba bồi hoàn - Subrogation recoveries	40,285,205,000	25,295,598,000	31,083,615,000	29,296,386,000
+ Thu hàng đã xử lý bồi thường 100% - Salvages	-	-	-	-
7. Thu bồi thường nhượng tái bảo hiểm - Recoveries from reinsurance ceded	629,143,378,000	549,579,945,000	722,095,895,000	697,502,011,000
Tăng (giảm) dự phòng toán học (dành riêng BVH)Increase(Decrease) in mathematical reserve	-	-	-	-
8. Tăng (giảm) dự phòng bồi thường bảo hiểm gốc và nhận tái bảo hiểm8. Increase(Decrease) in claim reserves for direct insurance and reinsurance assumed	-190,294,557,000	315,735,330,000	111,791,653,000	64,971,724,000
9. Tăng (giảm) dự phòng bồi thường nhượng tái bảo hiểm9. Increase(Decrease) in claim reserves related to reinsurance ceded	-5,746,501,000	244,987,743,000	110,750,674,000	6,471,181,000
9.1. Tăng (giảm) dự phòng bồi thường13. Increase in claim reserve	-184,548,056,000	70,747,587,000	1,040,979,000	58,500,543,000
10. Tổng chi bồi thường bảo hiểm (15=11-12+13-14)Total claim insurance expenses	1,128,636,888,000	1,642,197,547,000	2,187,727,939,000	2,262,282,172,000
11. Tăng (giảm) dự phòng dao động lớn14. Provision for catastrophe reserve	27,316,332,000	29,221,209,000	35,798,021,000	46,950,523,000
Chi bồi thường từ dự phòng dao động lớn12. Claim expenses using catastrophe reserve	-	-	-	-
12. Chi khác hoạt động kinh doanh bảo hiểm15. Other insurance operating expenses	1,691,369,114,000	1,778,776,221,000	2,344,225,217,000	3,044,173,666,000
- Chi hoa hồng bảo hiểm + Commission	414,589,310,000	493,542,617,000	618,820,554,000	658,150,628,000
- Chi phí khác hoạt động kinh doanh bảo hiểmOther insurance operating expenses	1,276,779,804,000	1,285,233,604,000	1,725,404,663,000	2,386,023,037,000
+ Chi khác hoạt động kinh doanh bảo hiểm gốc - Other underwriting expenses	1,276,779,804,000	1,285,233,604,000	1,725,404,663,000	2,386,023,037,000
• Chi giám định tổn thất + Damage assessment expenses	-	-	-	-
• Chi đòi người thứ 3 + Subrogation recovery expenses	-	-	-	-
• Chi xử lý hàng bồi thường 100% + Salvage expenses	-	-	-	-
• Chi đánh giá rủi ro của đối tượng bảo hiểm + Loss adjusting fee, risk assessment	-	-	-	-
• Chi đề phòng hạn chế rủi ro, tổn thất + Risk minimization expenses	-	-	-	-
• Chi khác + Others	1,276,779,804,000	1,285,233,604,000	1,725,404,663,000	2,386,023,037,000
+ Chi khác hoạt động kinh doanh nhận tái bảo hiểm - Other reinsurance assumed expenses	-	-	-	-
• Chi hoa hồng nhận tái bảo hiểm + Commission	-	-	-	-
• Chi đánh giá rủi ro của đối tượng bảo hiểm + Loss adjusting fee, risk assessment	-	-	-	-
• Chi khác + Others	-	-	-	-
+ Chi hoạt động nhượng tái bảo hiểm - Other reinsurance ceded expenses	-	-	-	-
+ Chi phí trực tiếp kinh doanh hoạt động khác - Other direct operating expenses	-	-	-	-
13. Tổng chi phí hoạt động kinh doanh bảo hiểm16. Total direct insurance operating expenses	2,847,322,334,000	3,450,194,976,000	4,567,751,177,000	5,353,406,361,000
13.1. Giá vốn cung cấp hàng hóa, dịch vụ khác13.1. Cost of providing other goods and services	-	-	-	-
14. Lợi nhuận gộp hoạt động kinh doanh bảo hiểm17. Gross insurance operating profit	445,185,183,000	441,085,813,000	310,590,240,000	-200,438,977,000
14.1. Lợi nhuận gộp cung cấp hàng hóa, dịch vụ khác14.1. Gross profit of providing other goods and services	-	-	-	-
14.2. Lợi nhuận thuần hoạt động kinh doanh bảo hiểm20. Profit from insurance operating	-	-	-	-
15. Doanh thu kinh doanh bất động sản đầu tư15. Revenue from properties investment	51,111,405,000	2,298,576,000	9,418,837,000	13,643,402,000
16. Giá vốn bất động sản đầu tư16. Cost of properties investment	38,407,125,000	1,240,113,000	6,241,432,000	7,768,035,000
17. Lợi nhuận từ hoạt động đầu tư bất động sản (22=20-21)17. Profit from properties investment (22=20-21)	12,704,280,000	1,058,463,000	3,177,406,000	5,875,367,000
18. Doanh thu hoạt động tài chính21. Revenue from financial activities	244,474,951,000	204,949,122,000	271,717,874,000	156,030,994,000
19. Chi hoạt động tài chính22. Expenses on financial activities	127,633,414,000	56,433,961,000	65,750,330,000	55,531,464,000
- Dự phòng toán học trích lãi từ đầu tư - Mathematical reserve for investment profit sharing	-	-	-	-
- Dự phòng chia lãi - Dividend reserve	-	-	-	-
- Chi khác hoạt động tài chính - Others	127,633,414,000	56,433,961,000	65,750,330,000	55,531,464,000
20. Lợi nhuận gộp hoạt động tài chính23. Profit form financial activities	116,841,537,000	148,515,161,000	205,967,543,000	100,499,530,000
Chi phí bán hàng18. Selling expenses	-	-	-	-
21. Chi phí quản lý doanh nghiệp19. Administrative expenses	210,785,300,000	199,679,913,000	208,653,643,000	252,912,046,000
22. Lợi nhuận thuần từ hoạt động kinh doanh22. Operating profit	363,945,700,000	390,979,524,000	311,081,546,000	-346,976,127,000
23. Thu nhập khác24. Other incomes	9,349,607,000	12,148,549,000	11,319,583,000	5,889,364,000
24. Chi phí khác25. Other expenses	3,482,421,000	3,157,584,000	3,232,416,000	4,787,747,000
25. Lợi nhuận khác26. Other profits	5,867,186,000	8,990,965,000	8,087,167,000	1,101,617,000
Phần lợi nhuận/lỗ từ công ty liên kết liên doanh27. Share of profitin associates and joint ventures	2,995,767,000	2,772,876,000	589,516,000	2,300,731,000
26. Tổng lợi nhuận kế toán trước thuế27. Total profit	372,808,653,000	402,743,365,000	319,758,228,000	-343,573,779,000
Các khoản điều chỉnh tăng (+) hoặc giảm (-) lợi nhuận để xác định lợi nhuận chịu thuế TNDN28. Increasing or decreasing adjustments to define taxable profit	-	-	-	-
Tổng lợi nhuận trước thuế thu nhập doanh nghiệp29. Total profit before tax	372,808,653,000	402,743,365,000	319,758,228,000	-343,573,779,000
Dự phòng đảm bảo cân đối30. Equalization reserve	-	-	-	-
Lợi nhuận chịu thuế thu nhập doanh nghiệp31. Taxable profit	372,808,653,000	402,743,365,000	319,758,228,000	-343,573,779,000
27. Chi phí thuế thu nhập hiện hành32. Current corporate income tax expenses	81,297,716,000	81,609,294,000	67,597,986,000	3,872,361,000
28. Chi phí thuế thu nhập hoãn lại33. Deferred income tax expenses (*)	52,049,000	-618,218,000	-709,015,000	-69,925,000
29. Lợi nhuận sau thuế thu nhập doanh nghiệp34. Profit after tax	291,458,887,000	321,752,290,000	252,869,257,000	-347,376,215,000
30. Lợi ích của cổ đông thiểu số35. Minority interest	2,852,000	79,823,000	80,931,000	18,297,000
31. Lợi nhuận sau thuế của cổ đông của Công ty mẹ36. Profit after tax for shareholders of the parent company	291,456,036,000	321,672,467,000	252,788,326,000	-347,394,512,000
32. Lãi cơ bản trên cổ phiếu. (VNÐ)37.1 Earning per share (VND)	2,417	4,002	3,144	-4,321

Data Source & Disclaimer

Data Source: Financial statement data is automatically aggregated from official disclosure feeds of listed companies through the analysis system of KB Securities Vietnam JSC (KB Securities).

Disclaimer: All financial data displayed on this website is provided for general reference purposes only. We make every effort to update accurate data but do not provide any warranty regarding its completeness or absolute reliability. The displayed figures do not constitute investment advice or an offer to trade securities. Users assume all risks and responsibilities for any financial decisions made based on the data on this website.

PTI

Tổng Joint Stock Company Insurance Bưu điện

Interactive Stock Chart

Listing Information

Capital Structure

Detailed Corporate Timeline & Sectors

Key Financial Ratios (2025)

Historical Financial Metrics (YoY)

Financial Ratios Reference & Interpretation Guide

Audited Financial Statements

PTI — Financial Data Summary (2022–2025)

Executive Summary

Operating Performance & Profitability

Asset Structure & Financial Leverage

Cash Flow Quality