Bao Minh Insurance Corporation (HOSE:BMI)

Bao Minh Insurance Statistics

Total Valuation

HOSE:BMI has a market cap or net worth of VND 2.96 trillion. The enterprise value is 2.73 trillion.

Market Cap	2.96T
Enterprise Value	2.73T

Important Dates

The next estimated earnings date is Friday, January 16, 2026.

Earnings Date	Jan 16, 2026
Ex-Dividend Date	Jun 6, 2025

Share Statistics

HOSE:BMI has 150.55 million shares outstanding. The number of shares has increased by 11.01% in one year.

Current Share Class	150.55M
Shares Outstanding	150.55M
Shares Change (YoY)	+11.01%
Shares Change (QoQ)	-6.19%
Owned by Insiders (%)	0.00%
Owned by Institutions (%)	5.48%
Float	150.54M

Valuation Ratios

The trailing PE ratio is 10.99.

PE Ratio	10.99
Forward PE	n/a
PS Ratio	0.53
PB Ratio	1.01
P/TBV Ratio	1.08
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 7.32, with an EV/FCF ratio of -8.84.

EV / Earnings	10.14
EV / Sales	0.49
EV / EBITDA	7.32
EV / EBIT	7.58
EV / FCF	-8.84

Financial Position

The company has a current ratio of 1.42

Current Ratio	1.42
Quick Ratio	0.88
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	3,015.41

Financial Efficiency

Return on equity (ROE) is 10.54% and return on invested capital (ROIC) is 7.92%.

Return on Equity (ROE)	10.54%
Return on Assets (ROA)	2.88%
Return on Invested Capital (ROIC)	7.92%
Return on Capital Employed (ROCE)	12.29%
Revenue Per Employee	3.46B
Profits Per Employee	166.83M
Employee Count	1,650
Asset Turnover	0.71
Inventory Turnover	492.02

Taxes

In the past 12 months, HOSE:BMI has paid 56.45 billion in taxes.

Income Tax	56.45B
Effective Tax Rate	15.87%

Stock Price Statistics

The stock price has increased by +6.02% in the last 52 weeks. The beta is 0.21, so HOSE:BMI's price volatility has been lower than the market average.

Beta (5Y)	0.21
52-Week Price Change	+6.02%
50-Day Moving Average	19,296.75
200-Day Moving Average	18,741.37
Relative Strength Index (RSI)	54.99
Average Volume (20 Days)	364,026

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, HOSE:BMI had revenue of VND 5.58 trillion and earned 269.10 billion in profits. Earnings per share was 1,787.42.

Revenue	5.58T
Gross Profit	3.13T
Operating Income	360.01B
Pretax Income	355.74B
Net Income	269.10B
EBITDA	372.77B
EBIT	360.01B
Earnings Per Share (EPS)	1,787.42

Balance Sheet

The company has 3.81 trillion in cash and n/a in debt, giving a net cash position of 229.37 billion or 1,523.57 per share.

Cash & Cash Equivalents	3.81T
Total Debt	n/a
Net Cash	229.37B
Net Cash Per Share	1,523.57
Equity (Book Value)	2.93T
Book Value Per Share	19,449.24
Working Capital	1.93T

Cash Flow

In the last 12 months, operating cash flow was -310.08 billion and capital expenditures 1.50 billion, giving a free cash flow of -308.58 billion.

Operating Cash Flow	-310.08B
Capital Expenditures	1.50B
Free Cash Flow	-308.58B
FCF Per Share	-2,049.68

Margins

Gross margin is 56.06%, with operating and profit margins of 6.45% and 5.36%.

Gross Margin	56.06%
Operating Margin	6.45%
Pretax Margin	6.37%
Profit Margin	5.36%
EBITDA Margin	6.68%
EBIT Margin	6.45%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 440.53, which amounts to a dividend yield of 2.24%.

Dividend Per Share	440.53
Dividend Yield	2.24%
Dividend Growth (YoY)	10.00%
Years of Dividend Growth	1
Payout Ratio	22.16%
Buyback Yield	-11.01%
Shareholder Yield	-8.79%
Earnings Yield	9.10%
FCF Yield	-10.43%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on October 13, 2025. It was a forward split with a ratio of 1.135.

Last Split Date	Oct 13, 2025
Split Type	Forward
Split Ratio	1.135

Scores

Altman Z-Score	n/a
Piotroski F-Score	3