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STOCK COMPARISON

Allianz SE VNA O.N. vs BaoViet: Fair Value & Quality

Both stocks run through our valuation models. Here is how Allianz SE VNA O.N. (ALV) and BaoViet (BVH) compare, as of Sep 24, 2026.

As of Sep 24, 2026, Fair Value Calculator sees BaoViet as the less overvalued of the two: Allianz SE VNA O.N. trades at €413 versus a fair value of €242 (-41%), while BaoViet trades at VND 69,300 versus VND 47,152 (-32%).
Allianz SE VNA O.N.
ALV.XETRA · EUR · Financials
-41%
upside to fair value
overvalued
Price€413
Fair Value€242
Quality63/100
BaoViet
BVH.VN · VND · Financials
-32%
upside to fair value
overvalued
PriceVND 69,300
Fair ValueVND 47,152
Quality47/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

Allianz SE VNA O.N.BaoViet
Valuation
13.9×P/E (TTM)16.7×
1.60×P/S (TTM)0.92×
2.94×P/B2.10×
9.5×EV/EBITDA6.7×
2.93×PEGn/a
−41.3%Fair value upside−32.0%
4.0%Dividend yieldn/a
Profitability
19%Operating margin15%
0.61×EBIT margin trend (5Y)n/a
19%Return on equity12%
1%Return on assets2%
Growth
9%Revenue growth (YoY)5%
3.1%Avg. growth/yr (3Y)3.0%
3.0%Avg. growth/yr (5Y)3.7%
+15.7%Value creation/yr+12.2%
Balance & size
20.4×Interest coverage (EBIT/interest)n/a
0.52×Debt / equityn/a
$184BMarket cap$2B
mixedGrowth qualityhealthy

BaoViet leads: 4 to 7 metric wins.

n/a = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Allianz SE VNA O.N.of which business quality 57 · market factors 71 BaoVietof which business quality 46 · market factors 55
ProfitabilityMargins and returns on capital today
30
26
Quality GrowthAre margins and returns improving?
46
41
CashflowEarnings quality: real cash, not paper profit
94
73
Fin. StrengthBalance sheet, leverage, solvency risk
10
5
InvestmentDisciplined investing over empire-building
87
67
Low VolatilityCalm price path (market factor)
90
69
MomentumPrice trend over the last 3–12 months (market factor)
63
45
52W MomentumDistance to the 52-week high (market factor)
64
56
Net IssuanceShare count: buybacks or dilution?
100
82

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyAllianz SE VNA O.N.Price €413BaoVietPrice VND 69,300
Dividend Discount-50%below the price€208n/a
Multiples-27%below the price€300-31%below the priceVND 48,018
Asset-Based-73%below the price€111-68%below the priceVND 22,186
Economic Profit-44%below the price€230-47%below the priceVND 36,514
Minimum-73%below the price€111-68%below the priceVND 22,186
Maximum-27%below the price€300-31%below the priceVND 48,018
Median-47%below the price€219-47%below the priceVND 36,514
Geometric mean-52%below the price€200-51%below the priceVND 33,883

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Allianz SE VNA O.N.: 6 of 6 models see the stock below the current price.

BaoViet: 4 of 4 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Allianz SE VNA O.N.
Price €413
Fair Value €242
Bear €194Bull €333
BaoViet
Price VND 69,300
Fair Value VND 47,152
Bear VND 35,364Bull VND 58,940

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Allianz SE VNA O.N. · Financials

Quality score63 · Top 25%
Fair value upside-41% · bottom 25%

BaoViet · Financials

Quality score47 · below median
Fair value upside-32% · below median

Bottom line

As of Sep 24, 2026, Fair Value Calculator sees BaoViet as the less overvalued of the two: Allianz SE VNA O.N. trades at €413 versus a fair value of €242 (-41%), while BaoViet trades at VND 69,300 versus VND 47,152 (-32%).

Allianz SE VNA O.N. has the higher quality score (63/100).

Open BaoViet live analysis →

More comparisons

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.