PVNBP

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PVNBP is Present value of new business premiums. This is a term used in insurance to indicate the present value of total sales (premiums) confirmed to receive from present to future.

It will be the sum of single premiums and present value of recurring premiums (e.g.,: life insurance premiums paid year after year). PVNBP makes it compare the sales of 2 companies having both single premiums and recurring premiums. In a way it is does the reverse of what APE does, i.e., converts recurring income to a single number (APE converts single premium to recurring value) ^[1]