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.
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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.
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Joint Stock Commercial Bank for Investment and Development of Vietnam, together with its subsidiaries, provides various banking products and services in Vietnam and internationally.
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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offers current, securities trading, specialized, and demand deposit accounts; normal, online, and flexible principal withdrawn savings; online cumulative, term, home/education cumulative, special purpose demand, and collateral deposits, as well as escrow account management;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.
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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 (≈ $9.9B) 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
Bear20,812 VNDFair Value 25,644 VNDBull36,058 VND
Price 32,250 VND · Downside -20.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (3,288 VND per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.94/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+3.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.4%
Start year 2020 (pandemic)
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.4%
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What shareholders gained per year (last 5 years), in VND ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in VND: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
AI conclusion: Solid profit growth forms the main strength, while the lack of a clear moat and possible reduced shareholder focus from state ownership mark the key weakness.
Main risk: Neo-banks and fintechs with 30-50 percent lower overheads could capture retail customers from BIDV by offering lower fees and superior mobile-first experiences to younger users.
Bull case: By accelerating its digital platforms, open APIs and AI-driven personalization BIDV could match or surpass fintech offerings and retain or grow its retail customer base.
Bear case: If digital competitors continue gaining ground with better user experiences and lower costs BIDV might see its retail market share erode steadily over the coming years.
BIDV keeps posting solid profit growth while the central bank directs banks to cut lending rates to support the economy. At the same time the bank approved plans for up to 20 trillion VND in subordinated bonds to strengthen Tier 2 capital ahead of its October 30 results. Will lower spreads from the rate cuts outweigh the gains from extra lending capacity, or will they cap returns despite the stronger balance sheet?
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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
Beats the industry median on 7/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score56 · Above median
Fair Value upside−20.5% · Below median
Profitability
Return on equity (12 months)18.1% · Top 25%
Return on assets0.9% · Below median
Net margin (12 months)44.9% · Top 25%
Operating margin (12 months)60.1% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)11.4% · Above median
Dividend yield (12 months)1.3% · Bottom 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Joint Stock Commercial Bank for Investment and Development of Vietnam Fair Value". https://www.fairvalue-calculator.com/stock/BID
Frequently asked questions
Is Joint Stock Commercial Bank for Investment and Development of Vietnam (BID) overvalued or undervalued?
As of Nov 1, 2026, our model estimates a fair value of 25,644 VND versus a price of 32,250 VND, about 20% lower (overvalued).
What is the fair value of BID?
Our model-based fair value for Joint Stock Commercial Bank for Investment and Development of Vietnam is 25,644 VND (as of Nov 1, 2026), built from audited fundamentals. The current price: 32,250 VND.
What is the quality score of BID?
Joint Stock Commercial Bank for Investment and Development of Vietnam has a Quality Score of 56/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
Our model-based price target is the fair value of 25,644 VND (as of Nov 1, 2026) from 6 valuation models. Cautious scenario 20,812 VND, optimistic scenario 36,058 VND. It is a calculation from audited fundamentals, not an analyst target.
What is the Joint Stock Commercial Bank for Investment and Development of Vietnam stock forecast for 2026?
Our models put fair value at 25,644 VND, about 20% lower versus a price of 32,250 VND (overvalued). Cautious scenario 20,812 VND, optimistic scenario 36,058 VND. The calculation is refreshed regularly with new filings.
What is the revenue of Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
Joint Stock Commercial Bank for Investment and Development of Vietnam reported trailing-twelve-month revenue of about 71.9T VND (latest available figure, as of Nov 1, 2026).
Does Joint Stock Commercial Bank for Investment and Development of Vietnam pay a dividend?
Joint Stock Commercial Bank for Investment and Development of Vietnam currently shows a dividend yield of 1.31% relative to its recent price (as of Nov 1, 2026).
What is the intrinsic value of Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Joint Stock Commercial Bank for Investment and Development of Vietnam it is 25,644 VND per share (as of Nov 1, 2026), against a price of 32,250 VND. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Joint Stock Commercial Bank for Investment and Development of Vietnam stock overvalued or undervalued in 2026?
As of Nov 1, 2026, BID trades above its calculated fair value: price 32,250 VND, fair value 25,644 VND, a gap of about −20% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BID?
No. The price is what the market pays today (32,250 VND); the fair value is what the company's own numbers justify (25,644 VND). For Joint Stock Commercial Bank for Investment and Development of Vietnam the two are 6,606 VND per share apart. That gap is exactly why we show both numbers side by side.
How much is Joint Stock Commercial Bank for Investment and Development of Vietnam worth?
The market values Joint Stock Commercial Bank for Investment and Development of Vietnam at about 253T VND (market capitalisation, as of Nov 1, 2026). Per share that is 32,250 VND; our models calculate a fair value of 25,644 VND per share.
What do the bullish and bearish scenarios say about BID?
Our models span a range for Joint Stock Commercial Bank for Investment and Development of Vietnam: cautious scenario 20,812 VND, base 25,644 VND, optimistic 36,058 VND per share (as of Nov 1, 2026, price 32,250 VND). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BID?
Joint Stock Commercial Bank for Investment and Development of Vietnam trades at a price-to-earnings ratio of 7.5 (as of Nov 1, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 25,644 VND is built from several models across several years. Other multiples: P/B 1.5, P/S 3.5.
How solid is the balance sheet of Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
Balance-sheet figures for Joint Stock Commercial Bank for Investment and Development of Vietnam (as of Nov 1, 2026): return on equity 18.1%. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is BID from its 52-week high?
Joint Stock Commercial Bank for Investment and Development of Vietnam trades at 32,250 VND, about 37% below its 52-week high of 50,888 VND and 2% above the low of 31,700 VND (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of 25,644 VND is for.
Which stocks are comparable to Joint Stock Commercial Bank for Investment and Development of Vietnam?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Joint Stock Commercial Bank for Investment and Development of Vietnam stock attractive at the current price?
The data as of Nov 1, 2026: price 32,250 VND, calculated fair value 25,644 VND (−20%), Quality Score 56/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BID calculated?
We run Joint Stock Commercial Bank for Investment and Development of Vietnam through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 25,644 VND, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.5% above its aggregate fair value. Joint Stock Commercial Bank for Investment and Development of Vietnam itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
The closing price on Nov 5, 2026 was 32,250 VND. Our model-based fair value is 25,644 VND, about 20% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Joint Stock Commercial Bank for Investment and Development of Vietnam right now?
Solid but not exceptional quality (56/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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)?
The market capitalisation of Joint Stock Commercial Bank for Investment and Development of Vietnam is 253T VND (≈ $9.9B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
The price-to-sales ratio of Joint Stock Commercial Bank for Investment and Development of Vietnam is 3.52 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
Earnings per share at Joint Stock Commercial Bank for Investment and Development of Vietnam are 4,293 VND (price ÷ EPS = P/E 7.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
The dividend yield of Joint Stock Commercial Bank for Investment and Development of Vietnam is 1.3% (payout 9.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
The net margin of Joint Stock Commercial Bank for Investment and Development of Vietnam is 44.9% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
The return on equity (ROE) of Joint Stock Commercial Bank for Investment and Development of Vietnam is 18.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
The return on assets (ROA) of Joint Stock Commercial Bank for Investment and Development of Vietnam is 1.0% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
The operating margin of Joint Stock Commercial Bank for Investment and Development of Vietnam is 60.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
Revenue at Joint Stock Commercial Bank for Investment and Development of Vietnam is growing +11.4% versus a year earlier (3y avg +6.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Joint Stock Commercial Bank for Investment and Development of Vietnam (BID)?
Earnings per share at Joint Stock Commercial Bank for Investment and Development of Vietnam are growing +17.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Joint Stock Commercial Bank for Investment and Development of Vietnam (BID) generate?
The free cash flow of Joint Stock Commercial Bank for Investment and Development of Vietnam is 191T VND (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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Nov 1, 2026