Joint Stock Commercial Bank for Investment and Development of Vietnam (BID) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Joint Stock Commercial Bank for Investment and Development of Vietnam stock VND 25,644, price VND 32,250, that is 20.5% below the price, quality 56 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
- Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free
Joint Stock Commercial Bank for Investment and Development of Vietnam
BID · VNOur calculation puts a fair price 20% below what the stock costs today.
Risks from the AI analysis
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 1, 2026.
How to read this chart
60‑month range 19,127 VND – 50,888 VND · fair‑value band 20,812 VND – 36,058 VND · the 32,250 VND price screens above the 25,644 VND fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 1, 2026.
Every Wednesday you see whether Joint Stock Commercial Bank for Investment and Development of Vietnam is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Company profile
Joint Stock Commercial Bank for Investment and Development of Vietnam, together with its subsidiaries, provides various banking products and services in Vietnam and internationally.
Show moreShow less
The company offers current, securities trading, specialized, and demand deposit accounts; normal, online, and flexible principal withdrawn savings; online cumulative, term, home/education cumulative, special purpose demand, and collateral deposits, as well as escrow account management; international credit, prepaid, and debit cards, as well as domestic debit card, business credit and debit cards, and credit card installment; home, secured and unsecured consumer, auto, business, education, mortgage, traditional, and green loans; and life and non-life insurance products.
It also provides digital banking; securities trading and services; money transfer and receipt; payment and e-wallet services; public services; foreign exchange, bonds, and financial and commodities derivatives; management of payables, receivables, trade union funds, and liquidity, as well as tuition fee collection services and non-cash payment of media expenses; supply chain finance; guarantee; trade finance; tax/social insurance payment services; wealth management; and investment and consultancy services.
The company was founded in 1957 and is headquartered in Hanoi, Vietnam.
Stock analysis
Joint Stock Commercial Bank for Investment and Development of Vietnam (BID) currently trades at 32,250 VND, while our model-based Fair Value estimate is 25,644 VND, 20% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of 29,231 VND per share, and 1 of the 6 models we run sit above the 32,250 VND price.
Bear case: the Dividend Discount group reads lowest at 4,586 VND, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: 20,812 VND (bear) to 36,058 VND (bull), the price of 32,250 VND sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 56/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Joint Stock Commercial Bank for Investment and Development of Vietnam reported revenue of 77.4T VND in FY2025 versus 56.3T VND in FY2021, a compound +8.3%/yr. Reported net income was 29.9T VND in FY2025, compounding +29.8%/yr from FY2021.
Key figures
Market cap 253T VND (≈ $9.8B) Mid · P/E ratio 7.5 · P/S ratio 3.52 · EPS (TTM) 4,293 VND · Dividend yield 1.3% · Net margin 44.9% · Return on equity 18.1% · Return on assets 1.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 69 out of 100 (low confidence).
What moves the price
The share trades about 37% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at −20%, BID screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
BID screens overvalued: fair value 20% below the price. Compare with China Merchants Bank Co →
Compare Joint Stock Commercial Bank for Investment and Development of Vietnam with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1002 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- P/E, EV/EBITDA and margins by industry (reference tables)
- Fair value gap by industry
- Return on assets by industry
- Stock screener with 62 metrics
- Undervalued stocks: Financial Services
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.52 | ¥7.59 | +38% | vs BID |
| China Merchants Bank Co 600036 | ¥42.54 | ¥52.73 | +24% | vs BID |
| BNP Paribas SA BNP | €91.94 | €106.01 | +15% | vs BID |
| Intesa Sanpaolo S.p.A ISP | €6.27 | €4.59 | −27% | vs BID |
| UniCredit S.p.A UCG | €77.18 | €50.44 | −35% | vs BID |
| Oversea-Chinese Banking Corporation O39 | 27.93 SGD | 18.20 SGD | −35% | vs BID |
| Mizuho Financial Group MFG | $9.80 | $5.90 | −40% | vs BID |
| DBS Group D05 | 71.20 SGD | 40.39 SGD | −43% | vs BID |
| HDFC Bank Limited HDFCBANK | ₹760.00 | ₹406.39 | −47% | vs BID |
| ICICI Bank Limited ICICIBANK | ₹1,500 | ₹615.63 | −59% | vs BID |
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is Joint Stock Commercial Bank for Investment and Development of Vietnam (BID) overvalued or undervalued?
What is the fair value of BID?
What is the quality score of BID?
What is the price target for Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
What is the Joint Stock Commercial Bank for Investment and Development of Vietnam stock forecast for 2026?
What is the revenue of Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
Does Joint Stock Commercial Bank for Investment and Development of Vietnam pay a dividend?
What is the intrinsic value of Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
Is Joint Stock Commercial Bank for Investment and Development of Vietnam stock overvalued or undervalued in 2026?
Is fair value the same as the market price of BID?
How much is Joint Stock Commercial Bank for Investment and Development of Vietnam worth?
What do the bullish and bearish scenarios say about BID?
What is the P/E ratio of BID?
How solid is the balance sheet of Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
How far is BID from its 52-week high?
Which stocks are comparable to Joint Stock Commercial Bank for Investment and Development of Vietnam?
Is Joint Stock Commercial Bank for Investment and Development of Vietnam stock attractive at the current price?
How is the fair value of BID calculated?
Is it still worth investing in stocks now?
What is the share price of Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
What should I pay attention to with Joint Stock Commercial Bank for Investment and Development of Vietnam right now?
Key figures of Joint Stock Commercial Bank for Investment and Development of Vietnam
How large is the market capitalisation of Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
What is the P/S ratio of Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
What are the earnings per share of Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
What is the dividend yield of Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
What is the net margin of Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
What is the return on equity of Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
What is the return on assets of Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
What is the operating margin of Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
How fast is revenue growing at Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
How fast are earnings growing at Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
How much free cash flow does Joint Stock Commercial Bank for Investment and Development of Vietnam (BID) generate?
Watch Joint Stock Commercial Bank for Investment and Development of Vietnam in the live analysis
One click puts Joint Stock Commercial Bank for Investment and Development of Vietnam on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.