BIDV Insurance (STC:BIC) E10: ₫1,749.70 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
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Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

STC:BIC BIDV Insurance Corp STC:BIC
84 GF Score
Price ₫21,400.00
GF Value ₫24,030.88
Valuation Modestly Undervalued
! 4 Warning Signs
View Full Analysis

What is BIDV Insurance E10?

BIDV Insurance STC:BIC -2.73% 84 E10 is ₫1,749.70 as of Jun. 2026. GuruFocus rates STC:BIC with a GF Score™ of 84/100 and a GF Value™ of ₫24,030.88 (Modestly Undervalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

BIDV Insurance's adjusted earnings per share data for the three months ended in Jun. 2026 was ₫635.109. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₫1,749.70 for the trailing ten years ended in Jun. 2026.

During the past 12 months, BIDV Insurance's average E10 Growth Rate was 9.80% per year. During the past 3 years, the average E10 Growth Rate was 15.50% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of BIDV Insurance was 15.50% per year. The lowest was 12.20% per year. And the median was 13.85% per year.

As of today (2026-08-14), BIDV Insurance's current stock price is ₫21400.00. BIDV Insurance's E10 for the quarter that ended in Jun. 2026 was ₫1,749.70. BIDV Insurance's Shiller PE Ratio of today is 12.23.

During the past 13 years, the highest Shiller PE Ratio of BIDV Insurance was 19.95. The lowest was 11.50. And the median was 14.62.


BIDV Insurance  (STC:BIC) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

BIDV Insurance's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=21400.00/1749.70
=12.23

* 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 Shiller P/E Ratio of BIDV Insurance was 19.95. The lowest was 11.50. And the median was 14.62.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


BIDV Insurance E10 Related Terms


BIDV Insurance E10 Historical Data

* Premium members only.

The historical data trend for BIDV Insurance's E10 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.

BIDV Insurance E10 Chart

BIDV Insurance Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 990.12 1,065.30 1,224.30 1,400.24 1,642.91

BIDV Insurance Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 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 1,593.87 1,637.44 1,642.91 1,688.71 1,749.70

STC:BIC vs BRK.A, AIG, HIG: E10 Comparison

For the Insurance - Diversified subindustry, BIDV Insurance's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, BIDV Insurance's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where BIDV Insurance's Shiller PE Ratio falls into.


STC:BIC
84GF Score
BIDV Insurance Corp STC:BIC
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

BIDV Insurance E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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, BIDV Insurance's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=635.109/333.9520*333.9520
=635.109

Current CPI (Jun. 2026) = 333.9520.

BIDV Insurance Quarterly Data

per share eps CPI Adj_EPS
201609 182.730 241.428 252.759
201612 97.184 241.432 134.426
201703 219.385 243.801 300.508
201706 132.908 244.955 181.196
201709 164.400 246.819 222.437
201712 66.164 246.524 89.629
201803 258.270 249.554 345.616
201806 118.811 251.989 157.456
201809 223.469 252.439 295.628
201812 -16.706 251.233 -22.206
201903 258.270 254.202 339.296
201906 221.706 256.143 289.054
201909 306.658 256.759 398.853
201912 144.811 256.974 188.190
202003 307.603 258.115 397.980
202006 467.597 257.797 605.728
202009 366.486 260.280 470.220
202012 143.315 260.474 183.743
202103 390.017 264.877 491.726
202106 480.372 271.696 590.444
202109 527.935 274.310 642.722
202112 201.393 278.802 241.231
202203 365.641 287.504 424.713
202206 230.583 296.311 259.874
202209 281.484 296.808 316.710
202212 188.597 296.797 212.207
202303 385.955 301.836 427.021
202306 624.167 305.109 683.172
202309 594.385 307.789 644.910
202312 621.170 306.746 676.263
202403 519.443 312.332 555.399
202406 828.300 314.175 880.441
202409 350.994 315.301 371.756
202412 754.897 315.605 798.781
202503 1,327.000 319.799 1,385.728
202506 852.890 322.561 883.009
202509 450.510 324.800 463.204
202512 608.351 324.054 626.933
202603 450.000 330.213 455.095
202606 635.109 333.952 635.109

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ₫1,749.70 mean?
BIDV Insurance (STC:BIC) has a E10 of ₫1,749.70 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on BIDV Insurance and its competitors.
Is BIDV Insurance's E10 too high?
BIDV Insurance's current E10 is ₫1,749.70. Overall, BIDV Insurance has a GF Score™ of 84/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does BIDV Insurance's E10 compare to BRK.A and AIG?
BIDV Insurance's E10 of ₫1,749.70 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for an Insurance company?
A good E10 depends on the Insurance industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on BIDV Insurance and its competitors. BIDV Insurance's current E10 is ₫1,749.70. 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 ₫24,030.88, compared to a current price of ₫21,400.00 — trading 10.9% below its estimated fair value. The current E10 is ₫1,749.70. BIDV Insurance's overall GF Score™ is 84/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For BIDV Insurance (STC:BIC), the current E10 is ₫1,749.70 as of Jun. 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 ₫21,400.00 is trading 10.9% below its estimated GF Value™ of ₫24,030.88. GuruFocus considers BIDV Insurance to be Modestly Undervalued.

Key valuation signals for STC:BIC:

  • E10: ₫1,749.70
  • GF Value™: ₫24,030.88 vs. price of ₫21,400.00 (10.9% below fair value)
  • GF Score™: 84/100 with 4 warning signs

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 Business Description

Address Cau Giay Street, 11th Floor, Building No. 263, Cau Giay Ward, Hanoi, VNM
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.
84GF Score

Get the complete analysis for STC:BIC

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫21,400.00
Price
₫24,030.88
GF Value