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  3. •

    Property/Casualty insurance
Bao Minh Insurance Corp.

Bao Minh Insurance Corp.

HHOSE:BMI
14,000.00
VND
0.00
(0.00%)
2.15TMarket Cap
Dec 02Next Earn
Bao Minh Insurance Corp.
HOSE:BMI
(Ho Chi Minh Stock Exchange)

Recent

price

14,000.00

P/E

ratio

- -

div

yld

0.02%

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
VND
11,105.02
11,467.1
11,973.73
14,715.17
14,415.98
14,816.5
17,110.36
21,587.91
24,197.16
26,096.71
29,197.48
29,536.96
38,074.89
32,198.84
34,613.65
36,134.46
- -
Revenue per Share
868.06
935.26
574.76
674.6
770.88
709.08
1,141.37
1,083.9
1,223.58
1,567.18
1,471.75
1,923.04
2,337.4
2,185.26
1,578.73
1,708.39
- -
Basic EPS, GAAP
-489.73
-812.7
-1,702.59
-160.42
1,057.26
59.88
588.04
-929.84
-647.79
1,026.06
2,105.69
3,995.43
-713.07
-2,819.21
848.57
-1,648.04
-1,219.18
Free Cash Flow per Basic Share
562.85
752.2
601.77
683.01
501.48
456.04
519.65
606.79
688.71
826.45
1,033.06
1,377.42
1,363.64
364.08
400.49
440.53
3.22
Dividend per Share
15,065.18
15,082.04
16,474.31
16,327.79
16,475.88
15,061.86
14,421.21
16,040.75
16,901.62
17,302.58
17,359.55
17,606.06
18,177.38
19,924.54
21,015.41
19,444.02
20,504.97
Book Value per Share
13,137.11
13,007.38
14,079.77
13,927.4
14,096.04
12,791.45
12,490.73
13,873.14
14,748.07
15,804.96
15,897.78
16,180.16
16,780.78
18,541.47
19,652.11
18,234.16
19,355.41
Tangible Book Value per Share
161
151
151
133
151
166
160
151
133
133
133
133
121
151
151
151
155
Basic Weighted Avg Shares
1,787,545
1,726,460
1,802,703
1,951,929
2,170,397
2,452,945
2,734,577
3,250,131
3,209,659
3,461,626
3,872,931
3,917,931
4,591,313
4,847,555
5,211,002
5,439,957
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
22,911
25,069
25,737
26,160
18,438
17,372
22,169
23,087
19,620
19,140
19,926
19,314
17,909
17,211
18,000
17,582
- -
Depreciation Expense
139,729
140,810
86,533
89,484
116,060
117,393
182,414
163,185
162,303
207,880
195,222
255,082
281,858
328,993
237,674
257,195
- -
Net Income, GAAP
11.46
16.13
13.61
13.76
16.97
15.39
18.11
17.72
19.17
18.16
16.29
16.72
14.97
12.55
12.85
14.91
- -
Effective Tax Rate (%)
7.82
8.16
4.8
4.58
5.35
4.79
6.67
5.02
5.06
6.01
5.04
6.51
6.14
6.79
4.56
4.73
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
- -
158
156
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
2,365,004
2,370,299
2,284,418
2,260,718
2,281,719
2,093,232
2,171,162
2,127,742
2,241,933
2,295,119
2,302,676
2,335,356
2,411,138
2,642,870
2,787,543
2,927,251
3,086,974
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
9.93
12.52
3.46
3.88
4.92
8.9
12.33
10.41
7.43
9.16
10.51
13.69
11.88
13.02
8.75
9
- -
Return on Capital (%)
6.18
6.2
3.88
4.11
5.33
5.61
8.75
7.59
7.43
9.16
8.49
11
11.88
13.02
8.75
9
- -
Return on Common Equity (%)

Capital Structure

VND

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
151
151
151
Market Capitalization
2,604,474
2,559,310
2,145,304

Working Capital

VND

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
3,687,234
3,928,847
3,857,836
Accounts Receivable, Net
678,528
752,812
780,448
Inventories
4,498
4,291
4,438
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

VND

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3.45%
4.95%
5.01%
Free Cash Flow
35.01%
-11.44%
-294.21%
Net Income, GAAP
10.46%
7.67%
8.21%
Sales/Revenue/Turnover
8.46%
7.16%
4.39%
Total Cash Common Dividend
- -
-4.67%
10%

Quarterly Revenue

VND

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,294,193
1,280,244
1,285,640
1,287,779
5,211,002
2025
1,336,658
1,352,832
- -
1,342,211
5,439,957
2026
1,371,213
1,482,895
- -
- -
- -

Quarterly Earnings Per Share

VND

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
491.63
467.84
308.37
324.84
1,578.73
2025
418.87
457
- -
23.8
1,708.39
2026
369.03
757
- -
- -
- -

Quarterly Dividends Per Share

VND

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
400.49
2025
- -
- -
3.31
- -
440.53
2026
- -
- -
- -
- -
- -
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Business
Bao Minh Insurance Corporation is a Vietnam-based financial services company engaged in the provision of non-life insurance, reinsurance underwriting, loss assessment, and financial investment activities. The company offers a comprehensive range of insurance products and solutions across diverse business segments, including: Motor Vehicle Insurance, comprising compulsory third-party liability, comprehensive motor hull, physical damage, and driver and passenger personal accident coverage; Health and Personal Accident Insurance, encompassing group employee benefits schemes, individual healthcare policies, hospitalization cash allowances, student safety plans, and personal accident coverage; Property and Engineering Insurance, providing fire and special perils, industrial all risks, construction and erection all risks, electronic equipment protection, and machinery breakdown policies; Marine and Cargo Insurance, covering domestic inland transit, ocean marine freight, vessel hull and machinery, and protection and indemnity risks; Aviation Insurance, servicing aircraft hull, spare parts, and aviation third-party liability; General Liability Insurance, offering commercial public liability, product liability, employer liability, and professional indemnity coverage; Agriculture Insurance, supplying risk management solutions for crop cultivation, livestock farming, and aquaculture; and Specialized Financial Lines, including trade credit protection, travel insurance, and surety bonds, alongside claims appraisal and third-party risk assessment services. Founded in 1994 and headquartered in Ho Chi Minh City, Vietnam, the corporation operates an extensive nationwide distribution infrastructure consisting of member branches, transaction offices, agent networks, and affiliated direct-billing healthcare facilities across Vietnam. The company is backed by major institutional shareholders, including Vietnam's State Capital Investment Corporation and the global insurance group AXA. In recent developments, Bao Minh Insurance Corporation has implemented strategic capital augmentation measures, progressively expanding its charter capital through equity issuances and share dividend distributions to strengthen financial solvency and underwriting capacity. The corporation has advanced digital transformation initiatives aimed at overhauling core information technology architecture, expanding electronic policy issuance channels, and automating claim settlement workflows. Furthermore, the company has undertaken underwriting portfolio optimizations and enterprise risk management enhancements following credit rating reviews by international rating agency AM Best, while deepening bancassurance distribution alliances and institutional partnerships across industrial and commercial insurance markets.