Joint Stock Commercial Bank for Investment and Development of Vietnam (BID) fair value: what the stock is really worth
We calculate from audited financials what Joint Stock Commercial Bank for Investment and Development of Vietnam is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
Watch Joint Stock Commercial Bank for Investment and Development of Vietnam for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
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 more
Joint Stock Commercial Bank for Investment and Development of Vietnam, together with its subsidiaries, provides various banking products and services in Vietnam and internationally. 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offers current, securities trading, specialized, and demand deposit accounts; normal, online, and flexible principal withdrawn savings; online cumulative, term, home/education cumulative, special purpose demand, and collateral deposits, as well as escrow account management;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 36,200 VND, while our model-based Fair Value estimate is 29,766 VND, implying the stock looks roughly 21.6% overvalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of 69,831 VND per share, and 3 of the 6 models we run sit above the 36,200 VND price.
Bear case: the Dividend Discount group reads lowest at 7,670 VND, and 3 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: 22,482 VND (bear) to 83,703 VND (bull), the price of 36,200 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 53/100 (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 300T VND · P/E ratio 9.3 · P/S ratio 3.61 · EPS (TTM) 3,875 VND · Dividend yield 1.1% · Net margin 38.7% · Return on equity 18.1% · Return on assets 1.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 36% below its 52-week high and 5% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at −18%, BID screens cheaper than that median.
Fair Value models
Bear 22,482 VNDFair Value 29,766 VNDBull 83,703 VND
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (2,802 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.Evidence ⓘEvidence = 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%
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%
’19
’20
’21
’22
’23
’24
’25
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.
Compare Joint Stock Commercial Bank for Investment and Development of Vietnam with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
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 · 1073 stocks
Beats the industry median on 8/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score54 · Below median
Fair Value upside+100% · Top 25%
Profitability
Return on equity (TTM)18% · Top 25%
Return on assets1% · Above median
Net margin (TTM)44% · Top 25%
Operating margin (TTM)59% · Top 25%
Growth and dividend
Revenue growth14% · Above median
Dividend yield (TTM)1.1% · 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 Sep 18, 2026, our model estimates a fair value of 29,766 VND versus a price of 36,200 VND, about −18% upside (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 29,766 VND (as of Sep 18, 2026), built from audited fundamentals. The current price: 36,200 VND.
What is the quality score of BID?
Joint Stock Commercial Bank for Investment and Development of Vietnam has a Quality Score of 53/100. 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 29,766 VND (as of Sep 18, 2026) from 6 valuation models. Cautious scenario 22,482 VND, optimistic scenario 83,703 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 29,766 VND, about −18% upside versus a price of 36,200 VND (overvalued). Cautious scenario 22,482 VND, optimistic scenario 83,703 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 70.1T VND (latest available figure, as of Sep 18, 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 about 1.06% relative to its recent price (as of Sep 18, 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 29,766 VND per share (as of Sep 18, 2026), against a price of 36,200 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 Sep 18, 2026, BID trades above its calculated fair value: price 36,200 VND, fair value 29,766 VND, a gap of about −18% (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 (36,200 VND); the fair value is what the company's own numbers justify (29,766 VND). For Joint Stock Commercial Bank for Investment and Development of Vietnam the two are 6,434 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 300T VND (market capitalisation, as of Sep 18, 2026). Per share that is 36,200 VND; our models calculate a fair value of 29,766 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 22,482 VND, base 29,766 VND, optimistic 83,703 VND per share (as of Sep 18, 2026, price 36,200 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 9.3 (as of Sep 18, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 29,766 VND is built from several models across several years. Other multiples: P/B 1.8, P/S 4.3.
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 Sep 18, 2026): return on equity 18.1%. They feed the Quality Score of 53/100, 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 36,200 VND, about 36% below its 52-week high of 56,600 VND and 5% above the low of 34,618 VND (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of 29,766 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 DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Sep 18, 2026: price 36,200 VND, calculated fair value 29,766 VND (−18%), Quality Score 53/100, 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 29,766 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 16.1 % 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 Sep 21, 2026 was 36,200 VND. Our model-based fair value is 29,766 VND, about −18% upside (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?
The model range is unusually wide (22,482 VND to 83,703 VND). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid but not exceptional quality (53/100) 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 300T VND. 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 3.61 (P/E × margin). 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 3,875 VND (price ÷ EPS = P/E 9.3). 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 1.1% (payout 9.9%). 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 38.7% (fiscal year 2025). 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 58.9% (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 +14.1% 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 +12.3% 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.
Free · no account needed
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 35,000+ stock screener. You can also try 14 days of Pro there, no card.
