Bao minh InsuranceSTC:BMI 69 Interest Coverage is No Debt (1) as of Mar. 2026, which is 100% below its 10-year median of 10,000.00. 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 352 Insurance companies, Bao minh Insurance ranks worse than 86.36% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Bao minh Insurance's
EBIT
for the
three
months ended in Mar. 2026 was ₫0 Mil. Bao minh Insurance's Interest Expense for the
three
months ended in Mar. 2026 was ₫0 Mil.
Bao minh Insurance has no debt.
The higher the ratio, the stronger the company's financial strength is.
(1) Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for Bao minh Insurance's Interest Coverage or its related term are showing as below:
STC:BMI'
s Interest Coverage Range Over the Past 10 Years
Min: 3.21 Med: No Debt Max: No Debt
Current: 3.21
STC:BMI's Interest Coverage is ranked worse than 86.36% of 352
companies
in the Insurance industry
Industry Median: 16.245
vs STC:BMI: 3.21
Bao minh Insurance (STC:BMI) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Bao minh Insurance Interest Coverage Related Terms
Bao minh Insurance Interest Coverage Historical Data
* Premium members only.
The historical data trend for Bao minh Insurance's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
STC:BMI vs CB, PGR, TRV: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, Bao minh Insurance's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Bao minh Insurance's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Bao minh Insurance's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
Bao minh Insurance (STC:BMI) has a Interest Coverage of No Debt (1) as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Bao minh Insurance and its competitors. This is 100% below median its historical median of 10,000.00. Over the past decade, Bao minh Insurance's Interest Coverage has ranged from 3.21 to 10,000.00. According to the industry distribution chart, Bao minh Insurance ranks #304 out of 352 companies in the Insurance industry, placing it in the top 86.4%.
Is Bao minh Insurance's Interest Coverage too high?
Bao minh Insurance's current Interest Coverage of No Debt (1) is 100% below median its 10-year median of 10,000.00. Over the past 10 years, this metric has ranged from a low of 3.21 to a high of 10,000.00. Based on the distribution chart, Bao minh Insurance ranks #304 out of 352 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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 Interest Coverage compare to CB and PGR?
According to the Insurance industry distribution chart, Bao minh Insurance ranks #304 out of 352 companies for Interest Coverage. This places Bao minh Insurance in the lower half of its industry. The industry median Interest Coverage is 16.25. Historically, Bao minh Insurance's own Interest Coverage has ranged from 3.21 to 10,000.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.25, based on 352 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Bao minh Insurance and its competitors. For the Insurance industry, the median Interest Coverage is 16.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bao minh Insurance's current Interest Coverage is No Debt (1), which is 100% below median its own 10-year median of 10,000.00. 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 Interest Coverage is No Debt (1), which is 100% below median its 10-year median of 10,000.00. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Bao minh Insurance (STC:BMI), the current Interest Coverage is No Debt (1) 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:
Interest Coverage: No Debt (1) (100% below median its 10-year median of 10,000.00)
GF Value™: ₫20,379.66 vs. price of ₫14,250.00 (30.1% below fair value)
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
Get the complete analysis for STC:BMI
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STC:BMI has been successfully added to your 
