Joint Stock Commercial Bank for Investment and Development of Vietnam (BID) Fair Value & Analysis
Financial Services · VN · Market cap 300T VND · ISIN VN000000BID9
What is Joint Stock Commercial Bank for Investment and Development of Vietnam really worth?
A solid business, trading 49% below our fair value of 71,961 VND.
Strengths
Risks
Fair value as of: Sep 5, 2026
From 6 valuation models · updated today
Share price +2.6% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price is below even our cautious bear case (53,971 VND). The market is more pessimistic than our downside scenario.
- Solid quality (53/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 5, 2026.
How to read this chart
60‑month range 19,127 VND – 50,888 VND · fair‑value band 53,971 VND – 89,952 VND · the 36,500 VND price screens below the 71,961 VND fair value. Dashed = 300-day average. As of Sep 5, 2026.
Analysis
Joint Stock Commercial Bank for Investment and Development of Vietnam (BID) currently trades at 36,500 VND, while our model-based Fair Value estimate is 71,961 VND, implying the stock looks roughly 49.3% undervalued today. The Quality Score stands at 53/100 (solid quality), in the Financial Services sector. 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 36,500 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.
Over the trailing twelve months, Joint Stock Commercial Bank for Investment and Development of Vietnam generated revenue of 70.1T VND at a net margin of 44.0%. Revenue grew 14.1% year over year. It earns a return on equity of 18.1%. The stock trades on a trailing P/E of 9.4. Fundamentals as of Sep 5, 2026
Our scenario range runs from 53,971 VND (bear case) to 89,952 VND (bull case); at 36,500 VND, the current price sits below 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 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 −10% fair-value upside, at 97%, BID screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly 2,633 VND per share, which is 3.7 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced 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. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Multiples (69,831 VND) versus Dividend Discount (7,670 VND). Highest evidence: DDM Multi-Stage (66).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Sep 5, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 57 · Market factors (momentum, volatility) 35
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.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Joint Stock Commercial Bank for Investment and Development of Vietnam, together with its subsidiaries, provides various banking products and services in Vietnam and internationally.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
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Peer Group
Banks - Regional · 1071 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 Banks - Regional median · lower = cheaper
Strength profile in five axes (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: 30/100
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 (as of Sep 5, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | −46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.78 | €5.66 | −17% |
| HDFC Bank Limited HDB | $23.17 | $24.12 | +4% |
| BNP Paribas SA BNP | €102.56 | €144.64 | +41% |
| UniCredit S.p.A UCG | €84.71 | €77.62 | −8% |
| Mizuho Financial Group MFG | $10.74 | $9.69 | −10% |
| ICICI Bank Limited ICICIBANK | ₹1,443 | ₹835.21 | −42% |
| Oversea-Chinese Banking Corporation O39 | 31.07 SGD | 19.80 SGD | −36% |
| CaixaBank, S.A CABK | €13.52 | €8.85 | −35% |
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Frequently asked questions
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