Bao minh InsuranceSTC:BMI 69 FCF Margin % is 5.38% as of Mar. 2026, which is 1755% above its 10-year median of 0.29. GuruFocus rates STC:BMI with a GF Score™ of 69/100 and a GF Value™ of ₫20,379.66 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 506 Insurance companies, Bao minh Insurance ranks worse than 73.12% on this metric.
The historical rank and industry rank for Bao minh Insurance's FCF Margin % or its related term are showing as below:
STC:BMI'
s FCF Margin % Range Over the Past 10 Years
Min: -8.76 Med: 0.29 Max: 13.53
Current: 1.74
During the past 13 years, the highest FCF Margin % of Bao minh Insurance was 13.53%. The lowest was -8.76%. And the median was 0.29%.
STC:BMI's FCF Margin % is ranked worse than 73.12% of 506
companies
in the Insurance industry
Industry Median: 9.63
vs STC:BMI: 1.74
Bao minh Insurance FCF Margin % Related Terms
Bao minh Insurance FCF Margin % Historical Data
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The historical data trend for Bao minh Insurance's FCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Property & Casualty subindustry, Bao minh Insurance's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bao minh Insurance FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Bao minh Insurance's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Bao minh Insurance's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Bao minh Insurance (STC:BMI) has a FCF Margin % of 5.38% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Bao minh Insurance and its competitors. This is 1755% above median its historical median of 0.29. According to the industry distribution chart, Bao minh Insurance ranks #370 out of 506 companies in the Insurance industry, placing it in the top 73.1%.
Is Bao minh Insurance's FCF Margin % too high?
Bao minh Insurance's current FCF Margin % of 5.38% is 1755% above median its 10-year median of 0.29. The Insurance industry median FCF Margin % is 9.63. Bao minh Insurance's value of 5.38% is 44.1% below this industry median. Based on the distribution chart, Bao minh Insurance ranks #370 out of 506 companies in the Insurance industry, which is below the industry midpoint. Overall, Bao minh Insurance has a GF Score™ of 69/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bao minh Insurance's FCF Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Bao minh Insurance ranks #370 out of 506 companies for FCF Margin %. This places Bao minh Insurance in the lower half of its industry. The industry median FCF Margin % is 9.63. Bao minh Insurance's value of 5.38% is 44.1% below this benchmark. While the company's 10-year median is 0.29 vs. the industry median of 9.63, Bao minh Insurance has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.63, based on 506 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bao minh Insurance's current FCF Margin % of 5.38% is 44.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Bao minh Insurance and its competitors. For the Insurance industry, the median FCF Margin % is 9.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bao minh Insurance's current FCF Margin % is 5.38%, which is 1755% above median its own 10-year median of 0.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bao minh Insurance stock overvalued right now?
Based on GuruFocus' analysis, Bao minh Insurance (STC:BMI) is currently considered Significantly Undervalued. The stock's GF Value™ is ₫20,379.66, compared to a current price of ₫14,250.00 — trading 30.1% below its estimated fair value. The current FCF Margin % is 5.38%, which is 1755% above median its 10-year median of 0.29 and 44.1% below the Insurance industry median of 9.63. Bao minh Insurance's overall GF Score™ is 69/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Bao minh Insurance (STC:BMI), the current FCF Margin % is 5.38% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Bao minh Insurance (STC:BMI) Overvalued in 2026?
Based on GuruFocus' analysis, Bao minh Insurance stock appears to be undervalued.
The current stock price of ₫14,250.00 is trading 30.1% below its estimated GF Value™ of ₫20,379.66.
GuruFocus considers Bao minh Insurance to be Significantly Undervalued.
Key valuation signals for STC:BMI:
FCF Margin %: 5.38% (1755% above median its 10-year median of 0.29)
GF Value™: ₫20,379.66 vs. price of ₫14,250.00 (30.1% below fair value)
Industry Position: 44.1% below the Insurance median (#370 of 506)
No single metric tells the full story. See the STC:BMI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bao minh Insurance Corp operates in the insurance sector. It offers insurance products and services including non-life insurance, non-life reinsurance, and financial investments services. Its products include health and accident insurance, motor vehicle insurance, property and engineering insurance, marine insurance and agricultural insurance among others.
69GF Score
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