BIDV Insurance Corp. (BIC) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

PVI Holdings

PJICO Insurance Corp.

Military Insurance Corp.

BIDV Insurance Corp.

Agriculture Bank Insurance JSC

Why is BIDV Insurance Corp. ?

Weak Long Term Fundamental Strength with a 0% CAGR growth in Operating Profits

Healthy long term growth as Net Sales has grown by an annual rate of 20.30%

Negative results in Dec 25

INTEREST(HY) At VND 9,312.47 MM has Grown at 151.65%
OPERATING CASH FLOW(Y) Lowest at VND 592,264.38 MM
PRE-TAX PROFIT(Q) At VND 135,084.75 MM has Fallen at -36.95%

With ROE of 16.45%, it has a expensive valuation with a 0.98 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 -34.60%, its profits have risen by 54% ; the PEG ratio of the company is 0.1
At the current price, the company has a high dividend yield of 3.4

Below par performance in long term as well as near term

Along with generating -34.60% 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 Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is BIDV Insurance Corp. for you?

High Risk, Low Return

Absolute

Risk Adjusted

Volatility

BIDV Insurance Corp.

-32.68%

-0.50

57.01%

Vietnam VN Ho Chi Minh Index

38.87%

1.90

22.90%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

17.80%

EBIT Growth (5y)

0.00%

EBIT to Interest (avg)

100.00

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

23.26%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

12.23%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.46

EV to EBIT

753735.21

EV to EBITDA

-66.62

EV to Capital Employed

0.34

EV to Sales

-0.17

PEG Ratio

Dividend Yield

2.15%

ROCE (Latest)

ROE (Latest)

16.96%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

Bearish

RSI

No Signal

Bollinger Bands

Sideways

Mildly Bearish

Moving Averages

Mildly Bearish (Daily)

KST

Bearish

Dow Theory

Mildly Bearish

Mildly Bullish

OBV

Mildly Bearish

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

3What is working for the Company

OPERATING CASH FLOW(Y)

Highest at VND 778,175.23 MM

RAW MATERIAL COST(Y)

Fallen by 0% (YoY

-24What is not working for the Company

ROCE(HY)

Lowest at 14.71%

INTEREST(Q)

At VND 4,411.45 MM has Grown at inf%

OPERATING PROFIT(Q)

Lowest at VND 129,664.53 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 11.16 %

PRE-TAX PROFIT(Q)

Lowest at VND 119,178.75 MM

NET PROFIT(Q)

Lowest at VND 87,245.18 MM

Here's what is working for BIDV Insurance Corp.

Operating Cash Flow

Highest at VND 778,175.23 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (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

Highest at VND 3,284.83 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (VND MM)

Depreciation

At VND 3,284.83 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 BIDV Insurance Corp.

Interest

At VND 4,411.45 MM has Grown at inf%

period on period (QoQ)

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (VND MM)

Pre-Tax Profit

At VND 119,178.75 MM has Fallen at -38.61%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (VND MM)

Net Profit

At VND 87,245.18 MM has Fallen at -43.39%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (VND MM)

Operating Profit

Lowest at VND 129,664.53 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (VND MM)

Operating Profit Margin

Lowest at 11.16 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at VND 119,178.75 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (VND MM)

Net Profit

Lowest at VND 87,245.18 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (VND MM)