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BMI
InsuranceTổng Công ty Cổ phần Bảo Minh
Bảo hiểm/Bảo hiểm phi nhân thọBH
16.900
VND · Last close
Valuation Verdict
Undervalued
-120%Fair Value+120%
Intrinsic Value
21.130
Current
16.900
Gap
+25.0%
ModelPB EMBEDDED VALUE
Valuation Breakdown
BH→Insurance
Classified as insurance because company type is BH (insurance company)
ModelPeer-Relative P/B
Intrinsic Value = Peer P/B x (Target ROE / Peer ROE) x BVPSInsurance companies hold long-duration liabilities (future claims) whose true economic value isn't fully captured by accounting book value. This model benchmarks the insurer against peers: it takes the median P/B of comparable insurers and adjusts it based on how the target's profitability (ROE) compares to the peer group. A more profitable insurer deserves a premium; a less profitable one, a discount.
1
Model Inputs
Avg ROE (3yr)→10.28%
2
Valuation
Fair P/B
1.09x
x
BVPS
19.461
=
Intrinsic Value
21.130
Valuation Track Record
Retroactive intrinsic value vs actual close price — BMI
Earnings Quality
Fiscal year 2025
39
Weak
Accrual Quality
82Cash Conversion
0Margin Stability
64Revenue Quality
25Quantitative Scores
F-Score
4/9
Neutral
Sharpe
-0.15
Negative
Composite
48
Weak
Price Risk
Momentum
+9.2%
Volatility
33.0%
Max Drawdown
-17.4%
Key Ratios
Fiscal year 2025
0.87P/B
P/E9.79
ROE9.1%
ROA3.4%
EPS1725.61
BVPS19461.00
Net Margin5.1%
Rev Growth-0.0%
Profit Growth9.3%
Div Yield0.0%
Company Overview
Issued Shares
150.5M
Charter Capital
1505.5B VND
Sector (ICB L2)
Bảo hiểm
Industry (ICB L3)
Bảo hiểm phi nhân thọ
Sub-industry
Bảo hiểm phi nhân thọ
Company Type
BH
// OWNERSHIP_NETWORK
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Computed 12/04/2026