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%
- OPERATING PROFIT(Q) Highest at VND 130,974.7 MM
- OPERATING PROFIT MARGIN(Q) Highest at 9.32 %
- PRE-TAX PROFIT(Q) Highest at VND 126,371.86 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 -12.04%, its profits have fallen by -18%
3
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -12.04% returns in the last 1 year, the stock has also underperformed Vietnam VN Ho Chi Minh Index in each of the last 3 annual periods
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.
-12.04%
-0.65
32.18%
Vietnam VN Ho Chi Minh Index
43.59%
1.93
22.62%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.10%
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
36.28%
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
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
OPERATING PROFIT(Q)
Highest at VND 130,974.7 MM
OPERATING PROFIT MARGIN(Q)
Highest at 9.32 %
PRE-TAX PROFIT(Q)
Highest at VND 126,371.86 MM
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
NET SALES(Q)
Highest at VND 1,405,861.34 MM
NET PROFIT(Q)
Highest at VND 112,712.23 MM
EPS(Q)
Highest at VND 748.67
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Bao Minh Insurance Corp.
Pre-Tax Profit
At VND 126,371.86 MM has Grown at 215.42%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (VND MM)
Operating Profit
Highest at VND 130,974.7 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (VND MM)
Operating Profit Margin
Highest at 9.32 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at VND 126,371.86 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (VND MM)
Net Profit
At VND 112,712.23 MM has Grown at 120.28%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (VND MM)
Net Sales
Highest at VND 1,405,861.34 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Net Profit
Highest at VND 112,712.23 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
EPS
Highest at VND 748.67
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (VND)
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
Highest at VND 6,204.73 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (VND MM)
Depreciation
At VND 6,204.73 MM has Grown at 69.51%
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)
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