Bao Viet Holdings (BVH) Fair Value & Analysis
Financial Services · VN · Market cap 43.8T VND
Fair value as of: Jul 16, 2026
From 4 valuation models · updated 25 days ago
Share price +10.8% over the past month.
A solid business, screening 14% undervalued on our models.
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- Our model range runs from 57,319 VND (bear) to 95,532 VND (bull), base 76,425 VND. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 52/100 (solid quality) with high evidence: the data supports the verdict.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.
How to read this chart
60‑month range 36,409 VND – 86,000 VND · fair‑value band 57,319 VND – 95,532 VND · the 66,900 VND price screens below the 76,425 VND fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.
Analysis
Bao Viet Holdings (BVH) currently trades at 66,900 VND, while our model-based Fair Value estimate is 76,425 VND, implying the stock looks roughly 14.2% undervalued today. The Quality Score stands at 52/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Bao Viet Holdings generated revenue of 56.2T VND at a net margin of 5.3%. Revenue grew 5.4% year over year. It earns a return on equity of 12.1%. Net debt stands at 1.4T VND. Fundamentals as of Jul 16, 2026
Our scenario range runs from 57,319 VND (bear case) to 95,532 VND (bull case); at 66,900 VND, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 24% below its 52-week high and 45% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -12% fair-value upside, at 14%, BVH screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Multiples (46,359 VND) versus Asset-Based (22,186 VND). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 16, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 46 · Market factors (momentum, volatility) 58
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Bao Viet Holdings, through its subsidiaries, engages in insurance, financial, and real estate activities in Vietnam. The company offers various whole life; endowment; term life; endowment; bancassurance; annuity; universal life; healthcare and personal accident riders; other types of life insurance; property and damages; cargo insurance; hull and P&l …
Full company description
Bao Viet Holdings, through its subsidiaries, engages in insurance, financial, and real estate activities in Vietnam. The company offers various whole life; endowment; term life; endowment; bancassurance; annuity; universal life; healthcare and personal accident riders; other types of life insurance; property and damages; cargo insurance; hull and P&l insurance; general indemnity insurance; aviation insurance; automobile insurance; fire and special risk insurance; agriculture insurance; and assuming and ceding reinsurance for all types of non-life insurances. It also provides fund management, investment portfolio management, securities brokerage and trading, investment consulting, securities brokerage, securities underwriting and issuance agency, securities trading, custodian services, investment, and financial consulting services. In addition, the company engages in the provision of rental and related services; and develops real estate projects. Further, it offers IT and other computer related services; and educational support services and other activities. Bao Viet Holdings was founded in 1965 and is headquartered in Hanoi, Vietnam.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Bao Viet Holdings reported revenue of 58.9T VND in FY2025 versus 50.6T VND in FY2021, a compound +3.9%/yr. Reported net income was 2.8T VND in FY2025, compounding +10.6%/yr from FY2021.
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Peer Group
Insurance - Diversified · 84 stocks
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.
Valuation Multiples vs Insurance - Diversified median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 35/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Berkshire Hathaway Inc BRKB | 8,562 MXN | 10,844 MXN | +27% |
| Allianz SE ALV | €421.00 | €369.31 | -12% |
| Zurich Insurance Group ZURN | CHF 624.40 | CHF 619.80 | -1% |
| AXA SA AXAN | 888.28 MXN | 1,249 MXN | +41% |
| Assicurazioni Generali S.p.A G | €42.90 | €12.18 | -72% |
| Sun Life Financial Inc SLF | C$114.20 | C$87.83 | -23% |
| BB Seguridade Participações S.A BBSE3 | R$40.71 | R$60.39 | +48% |
| Tryg A/S TRYG | kr 154.00 | kr 116.45 | -24% |
| PT Sinar Mas Multiartha Tbk SMMA | 20,625 IDR | 4,176 IDR | -80% |
| Caixa Seguridade Participações S.A CXSE3 | R$21.77 | R$18.60 | -15% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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