Bao minh InsuranceSTC:BMI 69 ROA % is 2.78% as of Mar. 2026, which is 20% below its 10-year median of 3.49. 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 510 Insurance companies, Bao minh Insurance ranks better than 57.84% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Bao minh Insurance's annualizedNet Income for the quarter that ended in Mar. 2026 was ₫222,225 Mil.
Bao minh Insurance's average Total Assets over the quarter that ended in Mar. 2026 was ₫7,982,154 Mil. Therefore, Bao minh Insurance's annualized ROA % for the quarter that ended in Mar. 2026 was 2.78%.
The historical rank and industry rank for Bao minh Insurance's ROA % or its related term are showing as below:
STC:BMI'
s ROA % Range Over the Past 10 Years
Min: 2.97 Med: 3.49 Max: 4.69
Current: 3.28
During the past 13 years, Bao minh Insurance's highest ROA % was 4.69%. The lowest was 2.97%. And the median was 3.49%.
STC:BMI's ROA % is ranked better than 57.84% of 510
companies
in the Insurance industry
Industry Median: 2.68
vs STC:BMI: 3.28
Bao minh Insurance (STC:BMI) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Bao minh Insurance ROA % Related Terms
Bao minh Insurance ROA % Historical Data
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The historical data trend for Bao minh Insurance's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Bao minh Insurance's ROA % distribution charts can be found below:
* The bar in red indicates where Bao minh Insurance's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
Bao minh Insurance (STC:BMI) has a ROA % of 2.78% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Bao minh Insurance and its competitors. This is 20% below median its historical median of 3.49. Over the past decade, Bao minh Insurance's ROA % has ranged from 2.97 to 4.69. According to the industry distribution chart, Bao minh Insurance ranks #215 out of 510 companies in the Insurance industry, placing it in the top 42.2%.
Is Bao minh Insurance's ROA % too high?
Bao minh Insurance's current ROA % of 2.78% is 20% below median its 10-year median of 3.49. Over the past 10 years, this metric has ranged from a low of 2.97 to a high of 4.69. The Insurance industry median ROA % is 2.68. Bao minh Insurance's value of 2.78% is 3.7% above this industry median. Based on the distribution chart, Bao minh Insurance ranks #215 out of 510 companies in the Insurance industry, which is above 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 ROA % compare to CB and PGR?
According to the Insurance industry distribution chart, Bao minh Insurance ranks #215 out of 510 companies for ROA %. This puts Bao minh Insurance in the upper half of its industry. The industry median ROA % is 2.68. Bao minh Insurance's value of 2.78% is 3.7% above this benchmark. Historically, Bao minh Insurance's own ROA % has ranged from 2.97 to 4.69 over the past decade. While the company's 10-year median is 3.49 vs. the industry median of 2.68, Bao minh Insurance has consistently been above 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 ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.68, based on 510 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bao minh Insurance's current ROA % of 2.78% is 3.7% above 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Bao minh Insurance and its competitors. For the Insurance industry, the median ROA % is 2.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bao minh Insurance's current ROA % is 2.78%, which is 20% below median its own 10-year median of 3.49. 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 ROA % is 2.78%, which is 20% below median its 10-year median of 3.49 and 3.7% above the Insurance industry median of 2.68. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Bao minh Insurance (STC:BMI), the current ROA % is 2.78% 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:
ROA %: 2.78% (20% below median its 10-year median of 3.49)
GF Value™: ₫20,379.66 vs. price of ₫14,250.00 (30.1% below fair value)
Industry Position: 3.7% above the Insurance median (#215 of 510)
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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