POST & TELECOMMUNICATIONINSURANCE CORPORATION

Balance Sheet Post & TelecommunicationInsurance Corporation

Equities

PTI

VN000000PTI5

Property & Casualty Insurance

End-of-day quote HANOI S.E. Other stock markets 2025-12-12			5-day change	1st Jan Change
38,900.00 ^VND	-0.26%		+9.27%	+62.08%

11-13	An undisclosed buyer acquired 9.89% stake in Post & Telecommunication Joint Stock Insurance Corporation from Hoang Thi Minh Phuong.	CI
10-31	Post & Telecommunication Joint Stock Insurance Corporation Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2025	CI

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Published financial data: POST & TELECOMMUNICATIONINSURANCE CORPORATION

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Premiums and Annuity Revenues	4,734B	4,964B	5,153B	4,177B	3,325B
Total Interest And Dividend Income	175B	134B	115B	182B	205B
Gain (Loss) on Sale of Investments, Total (Rev)	38.34B	19.89B	9.23B	45.24B	-
Non-Insurance Activities Revenues	37.31B	39.66B	13.64B	9.42B	2.3B
Other Revenues, Total	5.72B	3.99B	5.89B	702B	566B
Total Revenues	4,990B	5,161B	5,296B	5,115B	4,099B
Policy Benefits	4,034B	4,210B	5,353B	2,224B	1,671B
Policy Acquisition / Underwriting Costs, Total	-	-	-	619B	494B
Selling General & Admin Expenses, Total	598B	584B	253B	209B	200B
Other Operating Expenses	844M	464M	4.79B	1,725B	1,285B
Non-Insurance Activities Expenses	21.39B	20.5B	7.77B	6.24B	1.24B
Total Operating Expenses	4,654B	4,814B	5,619B	4,783B	3,651B
Operating Income	336B	346B	-322B	332B	447B
Interest Expense, Total	-8.99B	-8.74B	-9.85B	-15.05B	-56.43B
Income (Loss) on Equity Invest.	-8.55B	-6.72B	2.3B	590M	2.77B
Currency Exchange Gains (Loss)	-2.51B	-2.71B	-12.49B	-3.06B	-
Other Non Operating Income (Expenses)	-21.28B	-86.16M	-1.12B	5.06B	4.77B
EBT, Excl. Unusual Items	294B	328B	-344B	320B	399B
Gain (Loss) on Sale of Assets	-337M	-	-	-	4.23B
EBT, Incl. Unusual Items	294B	328B	-344B	320B	403B
Income Tax Expense	54.95B	70.52B	3.8B	66.89B	80.99B
Earnings From Continuing Operations	239B	257B	-347B	253B	322B
Net Income to Company	239B	257B	-347B	253B	322B
Minority Interest	950M	-115M	-18.3M	-80.93M	-79.82M
Net Income - (IS)	240B	257B	-347B	253B	322B
Preferred Dividend and Other Adjustments	9.6B	12.87B	-	-	-
Net Income to Common Incl Extra Items	230B	244B	-347B	253B	322B
Net Income to Common Excl. Extra Items	230B	244B	-347B	253B	322B
Per Share Items
Net EPS - Basic	1.91K	2.03K	-2.88K	2.1K	2.67K
Basic EPS - Continuing Operations	1.91K	2.03K	-2.88K	2.1K	2.67K
Basic Weighted Average Shares Outstanding	121M	121M	121M	121M	121M
Net EPS - Diluted	1.91K	2.03K	-2.88K	2.1K	2.67K
Diluted EPS - Continuing Operations	1.91K	2.03K	-2.88K	2.1K	2.67K
Diluted Weighted Average Shares Outstanding	121M	121M	121M	121M	121M
Normalized Basic EPS	1.53K	1.7K	-1.78K	1.66K	2.06K
Normalized Diluted EPS	1.53K	1.7K	-1.78K	1.66K	2.06K
Dividend Per Share	666.67	-	-	-	-
Payout Ratio	33.21	31.06	-0.27	0.21	0.06
Supplemental Items
EBITDA	353B	370B	-297B	359B	472B
EBITA	336B	346B	-322B	332B	447B
EBIT	336B	346B	-322B	332B	447B
Total Revenues (As Reported)	-	-	-	2,940B	-
Effective Tax Rate - (Ratio)	18.68	21.5	-1.11	20.92	20.11
Current Domestic Taxes	54.95B	-	-	-	-
Total Current Taxes	54.95B	70.99B	3.87B	67.6B	81.61B
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	-	-470M	-69.92M	-709M	-618M
Normalized Net Income	185B	205B	-215B	200B	249B
Supplemental Operating Expense Items
Marketing Expenses	-	22.98B	373B	8.83B	-
Selling and Marketing Expenses	-	-	-	-	-
General and Administrative Expenses	598B	584B	253B	209B	200B

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Investment In Debt Securities	201B	387B	212B	100B	601B
Investment In Equity and Preferred Securities, Total	57.97B	46.81B	42.04B	39.98B	41.91B
Trading Asset Securities, Total	5.77B	14.24B	-	-	-
Real Estate Owned	107B	325B	113B	110B	36.94B
Total Other Investments	3,852B	4,184B	3,909B	3,760B	4,117B
Total investments	4,224B	4,957B	4,276B	4,010B	4,797B
Cash And Equivalents	298B	153B	240B	705B	30.38B
Reinsurance Recoverable - (IS)	1,587B	1,701B	1,947B	1,935B	2,033B
Other Receivables - (Insurance Template)	514B	692B	512B	364B	511B
Gross Property Plant And Equipment	208B	217B	554B	527B	617B
Accumulated Depreciation	-101B	-113B	-132B	-135B	-159B
Net Property Plant And Equipment	107B	105B	422B	392B	458B
Goodwill	-	-	-	-	-
Other Intangibles, Total	14.8B	24.96B	24.19B	26.3B	44.78B
Other Current Assets, Total	926B	876B	913B	753B	515B
Deferred Tax Assets Long-Term (Collected)	-	-	-	-	17.44M
Deferred Charges Long-Term	-	1.26B	1.27B	860M	280M
Other Long-Term Assets, Total	97.31B	55.29B	40.16B	32.59B	35.54B
Total Assets	7,767B	8,565B	8,375B	8,219B	8,424B
Liabilities
Accounts Payable, Total	30.03B	23.24B	51.31B	98.31B	93.86B
Accrued Expenses, Total	135B	173B	146B	142B	208B
Insurance And Annuity Liabilities	241B	301B	350B	349B	350B
Unpaid Claims	1,203B	1,450B	1,515B	1,627B	1,943B
Unearned Premiums	3,679B	3,883B	4,175B	3,390B	2,602B
Reinsurance Payable - (BS)	261B	317B	302B	338B	344B
Current Portion of Long-Term Debt	-	-	-	-	-
Short-Term Borrowings	-	-	-	58.6B	302B
Long-Term Debt	-	-	-	-	-
Current Income Taxes Payable	20.52B	31.87B	-	32.9B	16.61B
Unearned Revenue, Current	-	-	-	-	-
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	174B	199B	18.66B	116B	170B
Deferred Tax Liability Non-Current	-	3.3B	3.23B	2.52B	1.92B
Other Non Current Liabilities	2.48B	2.39B	1.9B	15M	7.36B
Total Liabilities	5,746B	6,385B	6,563B	6,155B	6,038B
Common Stock, Total	804B	804B	804B	804B	804B
Additional Paid In Capital	828B	828B	828B	828B	828B
Retained Earnings	386B	545B	176B	428B	750B
Total Common Equity	2,018B	2,177B	1,808B	2,060B	2,382B
Minority Interest	3.4B	3.52B	3.93B	4.01B	4.09B
Total Equity	2,021B	2,180B	1,812B	2,064B	2,386B
Total Liabilities And Equity	7,767B	8,565B	8,375B	8,219B	8,424B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	121M	121M	121M	121M	121M
ECS Total Common Shares Outstanding	121M	121M	121M	121M	121M
Book Value / Share	16.73K	18.05K	14.99K	17.08K	19.75K
Tangible Book Value	2,003B	2,152B	1,783B	2,034B	2,337B
Tangible Book Value Per Share	16.61K	17.84K	14.79K	16.87K	19.38K
Total Debt	0	0	0	58.6B	302B
Net Debt	-298B	-153B	-240B	-646B	271B
Minority Interest, Total (Incl. Fin. Div)	3.4B	3.52B	3.93B	4.01B	4.09B
Equity Method Investments, Total	33.84B	24.3B	25.76B	24.85B	26.78B
Account Code - Inventory Valuation	3	3	3	3	3
Buildings, Total	22B	22B	320B	320B	407B
Machinery, Total	160B	176B	177B	161B	147B
Full Time Employees	2.43K	2.54K	2.6K	2.23K	2.04K

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	240B	257B	-347B	253B	322B
Depreciation, Depletion & Amortization	17.27B	23.93B	25.38B	26.65B	24.27B
Total Depreciation, Depletion & Amortization	17.27B	23.93B	25.38B	26.65B	24.27B
Amortization of Deferred Charges, Total	2.36B	2.67B	3.53B	3.76B	3.35B
(Gain) Loss On Sale of Asset - (CF)	-241B	-315B	-316B	-421B	-340B
Change in Trading Asset Securities	509B	-8.46B	14.24B	-	-
Change in Accounts Receivable	-109B	10.1B	-117B	73.94B	-229B
Change In Inventories	42.52B	164M	337M	955M	-58.19M
Change in Accounts Payable	92.44B	-	-	-	-
Change in Other Net Operating Assets (Collected)	-203B	-1.81B	-66.78B	81.99B	95.81B
Other Operating Activities	423B	291B	251B	-292B	-314B
Cash from Operations	774B	260B	-553B	-274B	-437B
Capital Expenditure	-52.47B	-91.6B	-134B	-10.49B	-110B
Sale of Property, Plant, and Equipment	35.79B	11.54B	-	4.23B	11.45B
Investment in Marketable and Equity Securities, Total	68.74B	-	-	-	-
Net (Increase) Decrease in Loans Originated / Sold - Investing	-797B	-511B	449B	232B	-859B
Other Investing Activities, Total	228B	266B	326B	454B	478B
Cash from Investing	-517B	-325B	641B	680B	-480B
Short Term Debt Issued, Total	-	-	492B	359B	987B
Long-Term Debt Issued, Total	271B	267B	-	-	-
Total Debt Issued	271B	267B	492B	359B	987B
Short Term Debt Repaid, Total	-	-	-492B	-300B	-744B
Long-Term Debt Repaid, Total	-269B	-267B	-	-	-
Total Debt Repaid	-269B	-267B	-492B	-300B	-744B
Issuance of Common Stock	-	-	-	-	-
Common Dividends Paid	-79.74B	-79.93B	-931M	-543M	-194M
Common & Preferred Stock Dividends Paid	-79.74B	-79.93B	-931M	-543M	-194M
Cash from Financing	-77.74B	-79.93B	-931M	58.05B	243B
Foreign Exchange Rate Adjustments	-	-590M	155M	701M	-87.21M
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	180B	-146B	87.21B	465B	-674B
Supplemental Items
Cash Interest Paid	8.99B	8.74B	9.85B	14.93B	7.2B
Cash Income Tax Paid (Refund)	47.34B	59.64B	57.47B	13.06B	97.9B
Net Debt Issued / Repaid	2.01B	0	0	58.6B	243B
Levered Free Cash Flow	592B	-265B	-185B	557B	-506B
Unlevered Free Cash Flow	598B	-259B	-179B	566B	-471B
Change In Net Working Capital	-421B	411B	-128B	-339B	668B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	2.73	2.65	-2.38	2.5	3.36
Return on Total Capital	10.74	10.3	-10.1	10.55	11.63
Return On Equity %	12.3	12.26	-17.4	13.05	14.46
Return on Common Equity	11.88	11.66	-17.44	13.07	14.48
Margin Analysis
Gross Profit Margin %	18.72	18.03	-1.22	44.31	47.15
SG&A Margin	11.98	11.31	4.78	4.08	4.87
EBITDA Margin %	7.07	7.17	-5.61	7.02	11.51
EBITA Margin %	6.73	6.71	-6.09	6.5	10.92
EBIT Margin %	6.73	6.71	-6.09	6.5	10.92
Income From Continuing Operations Margin %	4.79	4.99	-6.56	4.94	7.85
Net Income Margin %	4.81	4.99	-6.56	4.94	7.85
Net Avail. For Common Margin %	4.62	4.74	-6.56	4.94	7.85
Normalized Net Income Margin	3.71	3.97	-4.05	3.91	6.08
Levered Free Cash Flow Margin	11.87	-5.13	-3.49	10.89	-12.36
Unlevered Free Cash Flow Margin	11.98	-5.02	-3.37	11.07	-11.5
Asset Turnover
Asset Turnover	0.65	0.63	0.63	0.62	0.49
Fixed Assets Turnover	39.11	48.75	20.12	12.57	9.64
Receivables Turnover (Average Receivables)	17.78	21.22	21.26	23.14	17.83
Inventory Turnover (Average Inventory)	450.03	2.18K	3.17K	2.72K	3.62K
Short Term Liquidity
Current Ratio	1.12	1.15	1.14	1.16	1.12
Quick Ratio	0.64	0.71	0.66	0.69	0.66
Operating Cash Flow to Current Liabilities	0.13	0.04	-0.08	-0.04	-0.07
Days Sales Outstanding (Average Receivables)	20.59	17.2	17.17	15.77	20.52
Days Outstanding Inventory (Average Inventory)	0.81	0.17	0.11	0.13	0.1
Average Days Payable Outstanding	161.81	165.09	148.11	296.75	428.58
Cash Conversion Cycle (Average Days)	-140.41	-147.73	-130.83	-280.84	-407.96
Long Term Solvency
Total Debt/Equity	-	-	-	2.84	12.64
Total Debt / Total Capital	-	-	-	2.76	11.22
LT Debt/Equity	-	-	-	-	-
Long-Term Debt / Total Capital	-	-	-	-	-
Total Liabilities / Total Assets	73.98	74.54	78.37	74.88	71.68
EBIT / Interest Expense	37.36	39.6	-32.74	22.08	7.93
EBITDA / Interest Expense	39.28	42.34	-30.16	23.85	8.36
(EBITDA - Capex) / Interest Expense	33.44	31.86	-43.77	23.15	6.41
Total Debt / EBITDA	-	-	-	0.16	0.64
Net Debt / EBITDA	-0.84	-0.41	0.81	-1.8	0.58
Total Debt / (EBITDA - Capex)	-	-	-	0.17	0.83
Net Debt / (EBITDA - Capex)	-0.99	-0.55	0.56	-1.85	0.75
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	7.6	3.42	2.46	-3.32	-20.56
Gross Profit, 1 Yr. Growth %	16.71	-0.43	-110.96	-2.12	-16.38
EBITDA, 1 Yr. Growth %	83.35	4.17	-180.07	-221.81	15.82
EBITA, 1 Yr. Growth %	97.84	3.13	-193.63	-202.69	18.73
EBIT, 1 Yr. Growth %	97.84	3.13	-193.63	-202.69	18.73
Earnings From Cont. Operations, 1 Yr. Growth %	110.87	7.67	-234.91	-172.79	27.24
Net Income, 1 Yr. Growth %	112.01	7.19	-234.98	-172.77	27.25
Normalized Net Income, 1 Yr. Growth %	114.89	10.89	-204.81	-193.02	26.2
Diluted EPS Before Extra, 1 Yr. Growth %	111.79	7.19	-247.13	-172.77	27.25
Net Property, Plant and Equip., 1 Yr. Growth %	-27.86	-2.01	302.39	-6.93	16.65
Inventory, 1 Yr. Growth %	-87.34	-8.12	-18.09	-62.64	10.22
Accounts Receivable, 1 Yr. Growth %	-9.28	-17.09	-9.18	-40.34	30.11
Total Assets, 1 Yr. Growth %	2.01	10.27	-2.22	-1.86	2.5
Common Equity, 1 Yr. Growth %	8.36	7.88	-16.96	13.98	15.61
Tangible Book Value, 1 Yr. Growth %	8.13	7.43	-17.12	14.05	14.9
Cash From Operations, 1 Yr. Growth %	76.41	-66.41	-312.7	-50.52	59.77
Capital Expenditures, 1 Yr. Growth %	-37.13	74.59	46.29	-92.17	949.03
Levered Free Cash Flow, 1 Yr. Growth %	2.86K	-144.7	-30.5	-400.32	-191.56
Unlevered Free Cash Flow, 1 Yr. Growth %	2.13K	-143.36	-31.41	-415.87	-179.29
Dividend Per Share, 1 Yr. Growth %	0	-	-	-	-
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	17.83	5.49	3.02	-0.53	-11.98
Gross Profit, 2 Yr. CAGR %	-25.6	7.8	-73.68	95.87	-8.65
EBITDA, 2 Yr. CAGR %	106.93	38.66	-8.58	-1.64	26.53
EBITA, 2 Yr. CAGR %	131.13	42.84	-2.01	-1.78	17.6
EBIT, 2 Yr. CAGR %	131.13	42.84	-2.01	-1.78	17.6
Earnings From Cont. Operations, 2 Yr. CAGR %	275.43	50.68	20.52	-0.9	-3.76
Net Income, 2 Yr. CAGR %	276.12	50.75	20.29	-0.89	-3.77
Normalized Net Income, 2 Yr. CAGR %	251.34	54.28	7.81	-1.26	7.68
Diluted EPS Before Extra, 2 Yr. CAGR %	285.58	49.89	23.41	3.47	-3.77
Net Property, Plant and Equip., 2 Yr. CAGR %	-6.82	-15.92	98.57	93.52	4.19
Inventory, 2 Yr. CAGR %	-54.05	-65.89	-13.24	-44.68	-35.83
Accounts Receivable, 2 Yr. CAGR %	8.2	-13.27	-5.49	-26.39	-2.66
Total Assets, 2 Yr. CAGR %	12.75	6.06	3.84	-2.04	0.29
Common Equity, 2 Yr. CAGR %	5.44	8.12	-5.35	-2.71	14.79
Tangible Book Value, 2 Yr. CAGR %	5.35	7.78	-5.64	-2.78	14.47
Cash From Operations, 2 Yr. CAGR %	142.41	-23.02	-15.47	2.59	-11.09
Capital Expenditures, 2 Yr. CAGR %	3.59	4.77	59.82	-66.16	-9.39
Levered Free Cash Flow, 2 Yr. CAGR %	84.81	263.55	-44.14	44.74	65.25
Unlevered Free Cash Flow, 2 Yr. CAGR %	82.58	211.26	-45.34	47.48	62.11
Dividend Per Share, 2 Yr. CAGR %	11.8	-	-	-	-
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	17.27	12.82	4.53	0.83	-7.45
Gross Profit, 3 Yr. CAGR %	-13.2	-18.01	-56.76	34.36	48.45
EBITDA, 3 Yr. CAGR %	15.01	64.98	15.55	0.33	8.34
EBITA, 3 Yr. CAGR %	16.1	76.62	23.85	-0.35	9.12
EBIT, 3 Yr. CAGR %	16.1	76.62	23.85	-0.35	9.12
Earnings From Cont. Operations, 3 Yr. CAGR %	15.87	147.58	45.23	1.88	7.71
Net Income, 3 Yr. CAGR %	16.03	147.52	45.3	1.73	7.72
Normalized Net Income, 3 Yr. CAGR %	16.67	139.12	35.63	2.64	6.71
Diluted EPS Before Extra, 3 Yr. CAGR %	15.78	150.77	47.24	3.49	10.86
Net Property, Plant and Equip., 3 Yr. CAGR %	4.47	-5.24	41.69	54.24	63.47
Inventory, 3 Yr. CAGR %	-39.93	-42.11	-54.33	-34.49	-30.39
Accounts Receivable, 3 Yr. CAGR %	12.02	-0.99	-6.77	-18.92	-4.88
Total Assets, 3 Yr. CAGR %	12.89	11.92	3.22	1.9	-0.55
Common Equity, 3 Yr. CAGR %	2.02	6.24	-0.99	0.7	3.05
Tangible Book Value, 3 Yr. CAGR %	1.99	6.04	-1.26	0.51	2.79
Cash From Operations, 3 Yr. CAGR %	142.71	25.44	8.02	-29.29	18.91
Capital Expenditures, 3 Yr. CAGR %	16.23	23.28	17.1	-41.53	6.29
Levered Free Cash Flow, 3 Yr. CAGR %	8.78	15.15	109.74	-2.02	23.96
Unlevered Free Cash Flow, 3 Yr. CAGR %	9.4	13.07	88.3	-1.78	21.86
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	17.47	13.03	11.35	7.31	-2.44
Gross Profit, 5 Yr. CAGR %	-3.03	-5.45	-46.15	6.07	19.27
EBITDA, 5 Yr. CAGR %	8.71	16.75	5.06	34.2	19.63
EBITA, 5 Yr. CAGR %	8.71	17.29	8.49	39.51	21.4
EBIT, 5 Yr. CAGR %	8.71	17.29	8.49	39.51	21.4
Earnings From Cont. Operations, 5 Yr. CAGR %	8.33	18.89	17.71	71.66	23.19
Net Income, 5 Yr. CAGR %	8.43	18.9	17.72	71.64	23.22
Normalized Net Income, 5 Yr. CAGR %	7.86	19.67	13.02	67.87	23.67
Diluted EPS Before Extra, 5 Yr. CAGR %	2.45	18.55	18.53	74.77	24.2
Net Property, Plant and Equip., 5 Yr. CAGR %	5.2	-3.11	35.07	26.08	25.3
Inventory, 5 Yr. CAGR %	-26.77	-30.31	-30.42	-43.15	-47.67
Accounts Receivable, 5 Yr. CAGR %	4.98	-2.36	4.66	-9	-5.15
Total Assets, 5 Yr. CAGR %	12.62	11.63	9.18	6.11	2.04
Common Equity, 5 Yr. CAGR %	1.83	3.33	-0.99	2.57	5.05
Tangible Book Value, 5 Yr. CAGR %	1.75	3.18	-1.14	2.42	4.76
Cash From Operations, 5 Yr. CAGR %	21.55	-6.5	59.17	15.74	-0.07
Capital Expenditures, 5 Yr. CAGR %	2.57	3.2	32.02	-26.5	5.68
Levered Free Cash Flow, 5 Yr. CAGR %	-8.35	-10.67	-16.67	26.29	90.81
Unlevered Free Cash Flow, 5 Yr. CAGR %	-8.18	-11.05	-17.11	25.86	77.48