Bao minh InsuranceSTC:BMI -1.75%69 Return-on-Tangible-Equity is 8.02% as of Mar. 2026, which is 18% below its 10-year median of 9.77. GuruFocus rates STC:BMI with a GF Score™ of 69/100 and a GF Value™ of ₫20,427.48 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 499 Insurance companies, Bao minh Insurance ranks worse than 64.53% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Bao minh Insurance's annualized net income for the quarter that ended in Mar. 2026 was ₫222,225 Mil. Bao minh Insurance's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₫2,769,234 Mil. Therefore, Bao minh Insurance's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 8.02%.
The historical rank and industry rank for Bao minh Insurance's Return-on-Tangible-Equity or its related term are showing as below:
STC:BMI'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.55 Med: 9.77 Max: 14.04
Current: 9.3
During the past 13 years, Bao minh Insurance's highest Return-on-Tangible-Equity was 14.04%. The lowest was 8.55%. And the median was 9.77%.
STC:BMI's Return-on-Tangible-Equity is ranked worse than 64.53% of 499
companies
in the Insurance industry
Industry Median: 13.52
vs STC:BMI: 9.30
Bao minh Insurance (STC:BMI) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Bao minh Insurance Return-on-Tangible-Equity Related Terms
Bao minh Insurance Return-on-Tangible-Equity Historical Data
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The historical data trend for Bao minh Insurance's Return-on-Tangible-Equity 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.
Bao minh Insurance Return-on-Tangible-Equity Chart
STC:BMI vs CB, PGR, TRV: Return-on-Tangible-Equity Comparison
For the Insurance - Property & Casualty subindustry, Bao minh Insurance's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Bao minh Insurance's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Bao minh Insurance's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 8.02% mean?
Bao minh Insurance (STC:BMI) has a Return-on-Tangible-Equity of 8.02% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Bao minh Insurance and its competitors. This is 18% below median its historical median of 9.77. Over the past decade, Bao minh Insurance's Return-on-Tangible-Equity has ranged from 8.55 to 14.04. According to the industry distribution chart, Bao minh Insurance ranks #322 out of 499 companies in the Insurance industry, placing it in the top 64.5%.
Is Bao minh Insurance's Return-on-Tangible-Equity too high?
Bao minh Insurance's current Return-on-Tangible-Equity of 8.02% is 18% below median its 10-year median of 9.77. Over the past 10 years, this metric has ranged from a low of 8.55 to a high of 14.04. The Insurance industry median Return-on-Tangible-Equity is 13.52. Bao minh Insurance's value of 8.02% is 40.7% below this industry median. Based on the distribution chart, Bao minh Insurance ranks #322 out of 499 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 Return-on-Tangible-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, Bao minh Insurance ranks #322 out of 499 companies for Return-on-Tangible-Equity. This places Bao minh Insurance in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.52. Bao minh Insurance's value of 8.02% is 40.7% below this benchmark. Historically, Bao minh Insurance's own Return-on-Tangible-Equity has ranged from 8.55 to 14.04 over the past decade. While the company's 10-year median is 9.77 vs. the industry median of 13.52, 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 Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.52, based on 499 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bao minh Insurance's current Return-on-Tangible-Equity of 8.02% is 40.7% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Bao minh Insurance and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bao minh Insurance's current Return-on-Tangible-Equity is 8.02%, which is 18% below median its own 10-year median of 9.77. 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 ₫20,427.48, compared to a current price of ₫14,000.00 — trading 31.5% below its estimated fair value. The current Return-on-Tangible-Equity is 8.02%, which is 18% below median its 10-year median of 9.77 and 40.7% below the Insurance industry median of 13.52. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Bao minh Insurance (STC:BMI), the current Return-on-Tangible-Equity is 8.02% 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 ₫14,000.00 is trading 31.5% below its estimated GF Value™ of ₫20,427.48.
GuruFocus considers Bao minh Insurance to be Significantly Undervalued.
Key valuation signals for STC:BMI:
Return-on-Tangible-Equity: 8.02% (18% below median its 10-year median of 9.77)
GF Value™: ₫20,427.48 vs. price of ₫14,000.00 (31.5% below fair value)
Industry Position: 40.7% below the Insurance median (#322 of 499)
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
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