Bao Minh Insurance Corporation (HOSE:BMI)

Vietnam · Delayed Price · Currency is VND

12,950

-150 (-1.15%)

At close: Jul 24, 2026

Bao Minh Insurance Financials Overview

Financials in millions VND. Fiscal year is January - December.

Millions VND. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	5,675,113	5,646,864	5,430,954	5,119,925	4,783,984	4,104,479
Revenue Growth	3.60%	3.98%	6.08%	7.02%	16.55%	0.76%
Operating Income	282,365	300,539	276,282	371,399	403,669	390,985
Net Income	213,622	221,126	192,383	288,692	241,837	216,462
Earnings Per Share	1418.97	1468.81	1277.89	1917.57	1606.33	1437.79
EPS Growth	19.95%	14.94%	-33.36%	19.38%	11.72%	30.69%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Cash (Debt)	138,007	216,746	446,094	181,629	168,725	220,659
Net Cash Growth	-26.83%	-51.41%	145.61%	7.65%	-23.54%	47.27%
Net Cash Per Share	916.70	1439.72	2963.14	1206.43	1120.71	1465.67
Cash & Investments	138,007	216,746	446,094	181,629	168,725	220,659

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	99,756	-245,654	135,498	-413,740	-84,005	541,113
Capital Expenditures	-5,706	-2,455	-7,748	-10,695	-1,982	-11,139
Free Cash Flow	94,050	-248,109	127,750	-424,434	-85,987	529,974
Free Cash Flow Growth	-	-	-	-	-	89.74%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Margin	4.98%	5.32%	5.09%	7.25%	8.44%	9.53%
Pretax Margin	5.28%	5.35%	5.02%	7.35%	6.93%	7.46%
Profit Margin	3.76%	3.92%	3.54%	5.64%	5.05%	5.27%
FCF Margin	1.66%	-4.39%	2.35%	-8.29%	-1.80%	12.91%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 25, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	440.529	-	440.529	400.481	364.073	1092.220
Dividend Per Share Growth	10.00%	-	10.00%	10.00%	-66.67%	-10.00%
Dividend Yield	3.36%	-	2.44%	2.44%	2.48%	3.84%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 25, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	9.13	11.78	14.48	8.92	9.75	22.08
Forward PE	-	9.57	9.57	9.88	9.83	18.60
P/FCF Ratio	20.73	-	21.80	-	-	9.02
PS Ratio	0.34	0.46	0.51	0.50	0.49	1.16