Bao minh InsuranceSTC:BMI 69 Pretax Margin % is 5.54% as of Mar. 2026, which is 18% below its 10-year median of 6.74. 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 505 Insurance companies, Bao minh Insurance ranks worse than 76.04% on this metric.
The historical rank and industry rank for Bao minh Insurance's Pretax Margin % or its related term are showing as below:
STC:BMI'
s Pretax Margin % Range Over the Past 10 Years
Min: 5.23 Med: 6.74 Max: 8.15
Current: 5.63
STC:BMI's Pretax Margin % is ranked worse than 76.04% of 505
companies
in the Insurance industry
Industry Median: 12
vs STC:BMI: 5.63
Bao minh Insurance (STC:BMI) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Bao minh Insurance Pretax Margin % Related Terms
Bao minh Insurance Pretax Margin % Historical Data
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The historical data trend for Bao minh Insurance's Pretax 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.
STC:BMI vs CB, PGR, TRV: Pretax Margin % Comparison
For the Insurance - Property & Casualty subindustry, Bao minh Insurance's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Bao minh Insurance's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Bao minh Insurance's Pretax 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 Pretax Margin % of 5.54% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Bao minh Insurance and its competitors. This is 18% below median its historical median of 6.74. Over the past decade, Bao minh Insurance's Pretax Margin % has ranged from 5.23 to 8.15. According to the industry distribution chart, Bao minh Insurance ranks #384 out of 505 companies in the Insurance industry, placing it in the top 76%.
Is Bao minh Insurance's Pretax Margin % too high?
Bao minh Insurance's current Pretax Margin % of 5.54% is 18% below median its 10-year median of 6.74. Over the past 10 years, this metric has ranged from a low of 5.23 to a high of 8.15. The Insurance industry median Pretax Margin % is 12.00. Bao minh Insurance's value of 5.54% is 53.8% below this industry median. Based on the distribution chart, Bao minh Insurance ranks #384 out of 505 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 Pretax Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Bao minh Insurance ranks #384 out of 505 companies for Pretax Margin %. This places Bao minh Insurance in the lower half of its industry. The industry median Pretax Margin % is 12.00. Bao minh Insurance's value of 5.54% is 53.8% below this benchmark. Historically, Bao minh Insurance's own Pretax Margin % has ranged from 5.23 to 8.15 over the past decade. While the company's 10-year median is 6.74 vs. the industry median of 12.00, 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 Pretax Margin % for an Insurance company?
The median Pretax Margin % among Insurance companies is 12.00, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bao minh Insurance's current Pretax Margin % of 5.54% is 53.8% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Bao minh Insurance and its competitors. For the Insurance industry, the median Pretax Margin % is 12.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bao minh Insurance's current Pretax Margin % is 5.54%, which is 18% below median its own 10-year median of 6.74. 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 Pretax Margin % is 5.54%, which is 18% below median its 10-year median of 6.74 and 53.8% below the Insurance industry median of 12.00. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Bao minh Insurance (STC:BMI), the current Pretax Margin % is 5.54% 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:
Pretax Margin %: 5.54% (18% below median its 10-year median of 6.74)
GF Value™: ₫20,379.66 vs. price of ₫14,250.00 (30.1% below fair value)
Industry Position: 53.8% below the Insurance median (#384 of 505)
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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