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BIDV InsuranceSTC:BIC -0.47%83 Debt-to-Equity is 0.13 as of Mar. 2026, which is 18% above its 10-year median of 0.11. GuruFocus rates STC:BIC with a GF Score™ of 83/100 and a GF Value™ of ₫23,746.31 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 406 Insurance companies, BIDV Insurance ranks better than 64.04% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for BIDV Insurance's Debt-to-Equity or its related term are showing as below:
STC:BIC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0 Med: 0.11 Max: 0.17
Current: 0.13
During the past 13 years, the highest Debt-to-Equity Ratio of BIDV Insurance was 0.17. The lowest was 0.00. And the median was 0.11.
STC:BIC's Debt-to-Equity is ranked better than 64.04% of 406
companies
in the Insurance industry
Industry Median: 0.2
vs STC:BIC: 0.13
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
BIDV Insurance Debt-to-Equity Related Terms
BIDV Insurance Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for BIDV Insurance's Debt-to-Equity 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.
STC:BIC vs BRK.A, AIG, HIG: Debt-to-Equity Comparison
For the Insurance - Diversified subindustry, BIDV Insurance's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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.
BIDV Insurance Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, BIDV Insurance's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where BIDV Insurance's Debt-to-Equity falls into.
* 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.
BIDV Insurance (STC:BIC) has a Debt-to-Equity of 0.13 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on BIDV Insurance and its competitors. This is 18% above median its historical median of 0.11. According to the industry distribution chart, BIDV Insurance ranks #146 out of 406 companies in the Insurance industry, placing it in the top 36%.
Is BIDV Insurance's Debt-to-Equity too high?
BIDV Insurance's current Debt-to-Equity of 0.13 is 18% above median its 10-year median of 0.11. The Insurance industry median Debt-to-Equity is 0.20. BIDV Insurance's value of 0.13 is 35% below this industry median. Based on the distribution chart, BIDV Insurance ranks #146 out of 406 companies in the Insurance industry, which is above the industry midpoint. Overall, BIDV Insurance has a GF Score™ of 83/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does BIDV Insurance's Debt-to-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, BIDV Insurance ranks #146 out of 406 companies for Debt-to-Equity. This puts BIDV Insurance in the upper half of its industry. The industry median Debt-to-Equity is 0.20. BIDV Insurance's value of 0.13 is 35% below this benchmark. While the company's 10-year median is 0.11 vs. the industry median of 0.20, BIDV Insurance has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 406 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BIDV Insurance's current Debt-to-Equity of 0.13 is 35% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on BIDV Insurance and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BIDV Insurance's current Debt-to-Equity is 0.13, which is 18% above median its own 10-year median of 0.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BIDV Insurance stock overvalued right now?
Based on GuruFocus' analysis, BIDV Insurance (STC:BIC) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫23,746.31, compared to a current price of ₫21,250.00 — trading 10.5% below its estimated fair value. The current Debt-to-Equity is 0.13, which is 18% above median its 10-year median of 0.11 and 35% below the Insurance industry median of 0.20. BIDV Insurance's overall GF Score™ is 83/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For BIDV Insurance (STC:BIC), the current Debt-to-Equity is 0.13 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 BIDV Insurance (STC:BIC) Overvalued in 2026?
Based on GuruFocus' analysis, BIDV Insurance stock appears to be undervalued.
The current stock price of ₫21,250.00 is trading 10.5% below its estimated GF Value™ of ₫23,746.31.
GuruFocus considers BIDV Insurance to be Modestly Undervalued.
Key valuation signals for STC:BIC:
Debt-to-Equity: 0.13 (18% above median its 10-year median of 0.11)
GF Value™: ₫23,746.31 vs. price of ₫21,250.00 (10.5% below fair value)
Industry Position: 35% below the Insurance median (#146 of 406)
No single metric tells the full story. See the STC:BIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BIDV Insurance Corp is an insurance company. The company operates a network of agencies throughout Vietnam offering non-life, reinsurance, casualty insurance, and financial investments.
83GF Score
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