Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) Cyclically Adjusted FCF per Share: ₫7,796.16 (As of Mar. 2026)


STC:BID Joint Stock Commercial Bank for Investment and Development of Vietnam STC:BID
84 GF Score
Price ₫41,350.00
GF Value ₫47,466.77
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Joint Stock Commercial Bank for Investment and Development of Vietnam Cyclically Adjusted FCF per Share?

Joint Stock Commercial Bank for Investment and Development of Vietnam STC:BID -2.13% 84 Cyclically Adjusted FCF per Share is ₫7,796.16 as of Mar. 2026. GuruFocus rates STC:BID with a GF Score™ of 84/100 and a GF Value™ of ₫47,466.77 (Modestly Undervalued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Joint Stock Commercial Bank for Investment and Development of Vietnam's adjusted free cash flow per share for the three months ended in Mar. 2026 was ₫126.800. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is ₫7,796.16 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Joint Stock Commercial Bank for Investment and Development of Vietnam's average Cyclically Adjusted FCF Growth Rate was 42.70% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 19.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Joint Stock Commercial Bank for Investment and Development of Vietnam was 23.10% per year. The lowest was 19.90% per year. And the median was 21.50% per year.

As of today (2026-07-07), Joint Stock Commercial Bank for Investment and Development of Vietnam's current stock price is ₫41350.00. Joint Stock Commercial Bank for Investment and Development of Vietnam's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was ₫7,796.16. Joint Stock Commercial Bank for Investment and Development of Vietnam's Cyclically Adjusted Price-to-FCF of today is 5.30.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Joint Stock Commercial Bank for Investment and Development of Vietnam was 14.93. The lowest was 5.01. And the median was 9.89.


Joint Stock Commercial Bank for Investment and Development of Vietnam  (STC:BID) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Joint Stock Commercial Bank for Investment and Development of Vietnam's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=41350.00/7796.16
=5.30

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Joint Stock Commercial Bank for Investment and Development of Vietnam was 14.93. The lowest was 5.01. And the median was 9.89.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Joint Stock Commercial Bank for Investment and Development of Vietnam Cyclically Adjusted FCF per Share Related Terms


Joint Stock Commercial Bank for Investment and Development of Vietnam Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Joint Stock Commercial Bank for Investment and Development of Vietnam's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Joint Stock Commercial Bank for Investment and Development of Vietnam Cyclically Adjusted FCF per Share Chart

Joint Stock Commercial Bank for Investment and Development of Vietnam Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2,354.59 4,169.37 3,164.30 4,387.81 7,185.81

Joint Stock Commercial Bank for Investment and Development of Vietnam Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5,464.80 5,626.81 5,742.78 7,185.81 7,796.16

Joint Stock Commercial Bank for Investment and Development of Vietnam Cyclically Adjusted FCF per Share Competitor Comparison

For the Banks - Regional subindustry, Joint Stock Commercial Bank for Investment and Development of Vietnam's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Joint Stock Commercial Bank for Investment and Development of Vietnam Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Joint Stock Commercial Bank for Investment and Development of Vietnam's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Joint Stock Commercial Bank for Investment and Development of Vietnam's Cyclically Adjusted Price-to-FCF falls into.


STC:BID
84GF Score
Joint Stock Commercial Bank for Investment and Development of Vietnam STC:BID
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Joint Stock Commercial Bank for Investment and Development of Vietnam Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Joint Stock Commercial Bank for Investment and Development of Vietnam's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=126.8/330.2130*330.2130
=126.800

Current CPI (Mar. 2026) = 330.2130.

Joint Stock Commercial Bank for Investment and Development of Vietnam Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 3,702.137 241.018 5,072.209
201609 -1,043.167 241.428 -1,426.791
201612 2,091.386 241.432 2,860.445
201703 -2,053.394 243.801 -2,781.192
201706 2,294.492 244.955 3,093.103
201709 2,198.555 246.819 2,941.392
201712 3,449.824 246.524 4,620.957
201803 484.912 249.554 641.642
201806 1,643.448 251.989 2,153.617
201809 -4,078.310 252.439 -5,334.798
201812 5,457.643 251.233 7,173.360
201903 -2,866.020 254.202 -3,723.012
201906 3,497.609 256.143 4,509.028
201909 4,425.120 256.759 5,691.065
201912 531.369 256.974 682.812
202003 -7,406.376 258.115 -9,475.163
202006 -3,094.571 257.797 -3,963.846
202009 3,481.260 260.280 4,416.618
202012 -2,980.301 260.474 -3,778.243
202103 7,630.011 264.877 9,512.071
202106 -961.437 271.696 -1,168.508
202109 146.201 274.310 175.996
202112 3,025.607 278.802 3,583.528
202203 2,190.161 287.504 2,515.512
202206 6,085.229 296.311 6,781.462
202209 4,738.397 296.808 5,271.692
202212 6,040.263 296.797 6,720.329
202303 -12,264.978 301.836 -13,418.065
202306 -919.001 305.109 -994.615
202309 -1,506.964 307.789 -1,616.754
202312 4,104.570 306.746 4,418.582
202403 602.653 312.332 637.155
202406 7,141.375 314.175 7,505.928
202409 -2,341.699 315.301 -2,452.448
202412 8,747.967 315.605 9,152.873
202503 5,047.157 319.799 5,211.514
202506 7,697.191 322.561 7,879.789
202509 2,982.571 324.800 3,032.277
202512 11,494.780 324.054 11,713.251
202603 126.800 330.213 126.800

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of ₫7,796.16 mean?
Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) has a Cyclically Adjusted FCF per Share of ₫7,796.16 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Joint Stock Commercial Bank for Investment and Development of Vietnam and its competitors.
Is Joint Stock Commercial Bank for Investment and Development of Vietnam's Cyclically Adjusted FCF per Share too high?
Joint Stock Commercial Bank for Investment and Development of Vietnam's current Cyclically Adjusted FCF per Share is ₫7,796.16. Overall, Joint Stock Commercial Bank for Investment and Development of Vietnam has a GF Score™ of 84/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Joint Stock Commercial Bank for Investment and Development of Vietnam's Cyclically Adjusted FCF per Share compare to competitors?
Joint Stock Commercial Bank for Investment and Development of Vietnam's Cyclically Adjusted FCF per Share of ₫7,796.16 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Joint Stock Commercial Bank for Investment and Development of Vietnam and its competitors. Joint Stock Commercial Bank for Investment and Development of Vietnam's current Cyclically Adjusted FCF per Share is ₫7,796.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Joint Stock Commercial Bank for Investment and Development of Vietnam stock overvalued right now?
Based on GuruFocus' analysis, Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫47,466.77, compared to a current price of ₫41,350.00 — trading 12.9% below its estimated fair value. The current Cyclically Adjusted FCF per Share is ₫7,796.16. Joint Stock Commercial Bank for Investment and Development of Vietnam's overall GF Score™ is 84/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID), the current Cyclically Adjusted FCF per Share is ₫7,796.16 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) Overvalued in 2026?

Based on GuruFocus' analysis, Joint Stock Commercial Bank for Investment and Development of Vietnam stock appears to be undervalued. The current stock price of ₫41,350.00 is trading 12.9% below its estimated GF Value™ of ₫47,466.77. GuruFocus considers Joint Stock Commercial Bank for Investment and Development of Vietnam to be Modestly Undervalued.

Key valuation signals for STC:BID:

  • Cyclically Adjusted FCF per Share: ₫7,796.16
  • GF Value™: ₫47,466.77 vs. price of ₫41,350.00 (12.9% below fair value)
  • GF Score™: 84/100 with 2 warning signs

No single metric tells the full story. See the STC:BID stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Joint Stock Commercial Bank for Investment and Development of Vietnam Business Description

Address BIDV Tower, 35 Hang Voi, Hoan Kiem, Hanoi, VNM
Joint Stock Commercial Bank for Investment and Development of Vietnam is one of the leading commercial banks based in Vietnam. It is a leading provider of products and modern banking services and utilities such as loans, deposits, savings and current account. Its secondary offerings include insurance products of all types such as life and non-life insurance. Its add on services include a variety of brokerage services, investment advice and contribution to established enterprises to invest various projects. The bank's distribution network spans predominantly across Vietnam and a few countries abroad such as Laos, Cambodia, Myanmar, Russia and Czech Republic.
84GF Score

Get the complete analysis for STC:BID

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫41,350.00
Price
₫47,466.77
GF Value