ScoreWhy is Bao Minh Insurance Corp. ?
1
Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 9.08%
- Poor long term growth as Operating profit has grown by an annual rate of 0.00%
- RAW MATERIAL COST(Y) Fallen by 0% (YoY)
- NET SALES(Q) Highest at VND 1,326,908.69 MM
2
With ROE of 8.40%, it has a fair valuation with a 1.01 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -3.18%, its profits have fallen by -18%
3
Below par performance in long term as well as near term
- Along with generating -3.18% returns in the last 1 year, the stock has also underperformed Vietnam VN Ho Chi Minh Index in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bao Minh Insurance Corp. should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bao Minh Insurance Corp. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bao Minh Insurance Corp.
-2.01%
-0.84
29.64%
Vietnam VN Ho Chi Minh Index
29.95%
1.61
21.07%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.40%
EBIT Growth (5y)
0.00%
EBIT to Interest (avg)
-3,188.70
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
12.85%
Dividend Payout Ratio
30.51%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
9.08%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.01
EV to EBIT
NA
EV to EBITDA
-42.09
EV to Capital Employed
0.96
EV to Sales
-0.16
PEG Ratio
NA
Dividend Yield
0.77%
ROCE (Latest)
ROE (Latest)
8.40%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
NET SALES(Q)
Highest at VND 1,326,908.69 MM
-15What is not working for the Company
INTEREST(9M)
At VND 16,846.51 MM has Grown at inf%
OPERATING CASH FLOW(Y)
Lowest at VND 28,825.24 MM
NET PROFIT(HY)
At VND 106,147.82 MM has Grown at -28.07%
ROCE(HY)
Lowest at 8.44%
DEBT-EQUITY RATIO
(HY)
Highest at -0.21 %
Here's what is working for Bao Minh Insurance Corp.
Net Sales
Highest at VND 1,326,908.69 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Depreciation
At VND 3,741.56 MM has Grown at inf%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (VND MM)
Here's what is not working for Bao Minh Insurance Corp.
Interest
At VND 16,846.51 MM has Grown at inf%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (VND MM)
Net Profit
At VND 106,147.82 MM has Grown at -28.07%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (VND MM)
Operating Cash Flow
Lowest at VND 28,825.24 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (VND MM)
Debt-Equity Ratio
Highest at -0.21 %
in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
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