BID.VN Joint Stock Commercial Bank for Investment and Development of Vietnam

Financial Services Banks - Regional Vietnam Stocks
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33,650 VND
Close of Oct 29, 2026
32,150 52,368
Market cap
VND 262T
P/E
7.9x
P/B
1.36x
ROE
15.5%
Dividend yield
1.24%
Fundamental score
2.9/5

Ratios use the latest price and the current fiscal year annualized from 2 quarters up to Jun 2026.

Is BID.VN undervalued?

Graham number
Price33,650
Graham value48,781
Discount31.0%

BID.VN trades 31.0% below its Graham number.

Graham number = √(22.5 × EPS × book value per share): the most a defensive investor should pay according to Benjamin Graham. An estimate, not a recommendation to buy or sell. How is it calculated?

Joint Stock Commercial Bank for Investment and Development of Vietnam fundamental analysis

13 of 18 checks passed

ROE 1/2

Moderate return on equity (15.5%), between 10% and 20%.

ROA 0/1

Return on assets (0.9%) is below the industry median (1.4%).

Profit Consistency 2/2

Profitable for 7 consecutive years.

Earnings Growth 5Y 1/1

Earnings per share grew over the past 5 years.

Earnings Acceleration 0/1

Last year's EPS growth (16.5%) is not above the 5-year average (23.6% a year).

Earnings Growth vs Industry 1/1

Last year's EPS growth (16.5%) is above the industry median (16.3%).

Revenue Growth 1/2

Revenue grew 6.0% a year over the past 3 years.

Leverage 1/2

Total assets are 17.8x equity, within a prudent level for a financial company.

Equity Growth 1/1

Shareholders' equity grew over the past 5 years.

PE vs Market 1/1

PE (7.9x) is below the market median (11.2x).

PE vs Industry 0/1

PE (7.9x) is above the industry median (7.8x).

PBV 0/1

Price to book (1.4x) is above the industry median (1.2x).

Graham Number 1/1

The price is below the Graham number (PE x PB = 10.7, limit 22.5).

PEG 1/1

PEG on 5-year earnings growth is 0.33, growth is cheap.

Dividend Yield 1/2

Dividend yield (1.2%) is above the bottom 25% of dividend payers in the market.

Dividend Stability 0/2

Dividends were not paid steadily for the past 5 years.

Dividend Growth 1/1

Dividends paid grew over the past 5 years.

Payout Ratio 1/1

Payout ratio is 10.9%, covered by earnings.

Each check is worth 1 or 2 points by how much it says about the quality of the company. The score is the share of points earned, out of 5. Ask AI to explain this score

Joint Stock Commercial Bank for Investment and Development of Vietnam stock price

Prices on the chart can differ slightly from the closing prices StockSummer uses for its ratios.

About Joint Stock Commercial Bank for Investment and Development of Vietnam

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; internatio…

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