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Bao Minh Insurance Corporation (BMI) Fair Value & Analysis

Financial Services · VN · Market cap 2.2T VND

BM Bao Minh Insurance Corporation BMI · VN
Price14,400 VND
Fair Value28,800 VND
Upside+100.0%
Quality95/100
Evidence: Medium Range 21,600 VND – 36,000 VND

Fair value as of: Jun 26, 2026

From 10 valuation models · updated 3 days ago

Fair value updated Jun 26, 2026 — revised from 28,700 VND to 28,800 VND (+0.3%) since Jun 25, 2026. Share price −2.7% over the past month.

Price vs Fair Value (12 months)

21,171 VND 14,400 VND Fair Value 28,800 VND Jun 2025 Jun 2026

12‑month range 14,400 VND – 21,171 VND · fair‑value band 21,600 VND – 36,000 VND · the 14,400 VND price screens below the 28,800 VND fair value. As of Jun 26, 2026.

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Analysis

Bao Minh Insurance Corporation (BMI) currently trades at 14,400 VND, while our model-based Fair Value estimate is 28,800 VND — implying the stock looks roughly 100.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium) — always confirm before acting.

Over the trailing twelve months, Bao Minh Insurance Corporation generated revenue of 5.7T VND at a net margin of 4.4%. Revenue grew 2.0% year over year. It earns a return on equity of 8.6%. The stock trades on a trailing P/E of 11.0. Fundamentals as of Jun 26, 2026

Key figures & financial health

Revenue (TTM) 5.7T VND
Revenue growth (YoY) +2.0%
Net margin 4.4%
Return on equity 8.6%
Free cash flow −248B VND FY2025
P/E ratio 11.0
More key figures
Operating margin 4.7%
EPS (TTM) 1,306 VND
EPS growth (YoY) -11.9%

Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.

About the company

Bao Minh Insurance Corporation engages in providing non-life insurance and reinsurance, and financial investment products and services in Vietnam. It offers motor vehicle, personal, property, marine, aviation, and agriculture insurance products. The company was founded in 1994 and is headquartered in Ho Chi Minh City, Vietnam.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Bao Minh Insurance Corporation reported revenue of 5.4T VND in FY2025 versus 3.9T VND in FY2021, a compound +8.6%/yr. Reported net income was 257B VND in FY2025, compounding +0.2%/yr from FY2021.

Revenue +8.6%/yr
FY21 3.9T VND
FY22 4.6T VND
FY23 4.8T VND
FY24 5.2T VND
FY25 5.4T VND
Net income +0.2%/yr
FY21 255B VND
FY22 291B VND
FY23 329B VND
FY24 238B VND
FY25 257B VND

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Similar stocks

6 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).

Stock Price Fair Value vs Fair Value
Chubb Limited C1BL34 R$419.60 R$421.12 +0%
The Progressive Corporation PGR $204.20 $316.22 +55%
Tokio Marine Holdings TKOMF $42.80 $44.64 +4%
The Travelers Companies, Inc TRV 5,323 MXN 5,965 MXN +12%
The Allstate Corporation ALL $210.84 $421.68 +100%
PICC Property and Casualty Company PPCCY $48.70 $64.67 +33%

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Frequently asked questions

Is Bao Minh Insurance Corporation (BMI) undervalued?
As of Jun 26, 2026, our model estimates a fair value of 28,800 VND versus a price of 14,400 VND — about +100% (undervalued). Model-based estimate, not financial advice.
What is the fair value of BMI?
Our 21-model fair value for Bao Minh Insurance Corporation is 28,800 VND (as of Jun 26, 2026), built from audited fundamentals. The current price is 14,400 VND.
What is the quality score of BMI?
Bao Minh Insurance Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Bao Minh Insurance Corporation (BMI)?
Bao Minh Insurance Corporation reported trailing-twelve-month revenue of about 5.7T VND (latest available figure, as of Jun 26, 2026).
What is the net profit margin of BMI?
The net profit margin of Bao Minh Insurance Corporation is about 4.4%, meaning it keeps roughly 4.4% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.