Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) E10: ₫2,236.60 (As of Mar. 2026)


STC:BID Joint Stock Commercial Bank for Investment and Development of Vietnam STC:BID
85 GF Score
Price ₫42,400.00
GF Value ₫47,178.25
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Joint Stock Commercial Bank for Investment and Development of Vietnam E10?

Joint Stock Commercial Bank for Investment and Development of Vietnam STC:BID +1.68% 85 E10 is ₫2,236.60 as of Mar. 2026. GuruFocus rates STC:BID with a GF Score™ of 85/100 and a GF Value™ of ₫47,178.25 (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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Joint Stock Commercial Bank for Investment and Development of Vietnam's adjusted earnings per share data for the three months ended in Mar. 2026 was ₫934.172. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₫2,236.60 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 E10 Growth Rate was 19.00% per year. During the past 3 years, the average E10 Growth Rate was 20.00% 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 Joint Stock Commercial Bank for Investment and Development of Vietnam was 20.50% per year. The lowest was 20.00% per year. And the median was 20.25% per year.

As of today (2026-06-29), Joint Stock Commercial Bank for Investment and Development of Vietnam's current stock price is ₫42400.00. Joint Stock Commercial Bank for Investment and Development of Vietnam's E10 for the quarter that ended in Mar. 2026 was ₫2,236.60. Joint Stock Commercial Bank for Investment and Development of Vietnam's Shiller PE Ratio of today is 18.96.

During the past 13 years, the highest Shiller PE Ratio of Joint Stock Commercial Bank for Investment and Development of Vietnam was 33.76. The lowest was 17.11. And the median was 22.99.


Joint Stock Commercial Bank for Investment and Development of Vietnam  (STC:BID) 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.

Joint Stock Commercial Bank for Investment and Development of Vietnam's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=42400.00/2236.60
=18.96

* 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 Joint Stock Commercial Bank for Investment and Development of Vietnam was 33.76. The lowest was 17.11. And the median was 22.99.


Be Aware

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


Joint Stock Commercial Bank for Investment and Development of Vietnam E10 Related Terms


Joint Stock Commercial Bank for Investment and Development of Vietnam E10 Historical Data

* Premium members only.

The historical data trend for Joint Stock Commercial Bank for Investment and Development of Vietnam'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.

Joint Stock Commercial Bank for Investment and Development of Vietnam E10 Chart

Joint Stock Commercial Bank for Investment and Development of Vietnam 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 1,041.49 1,239.92 1,512.70 1,821.11 2,141.72

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
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 1,878.72 1,974.65 2,026.36 2,141.72 2,236.60

Joint Stock Commercial Bank for Investment and Development of Vietnam E10 Competitor Comparison

For the Banks - Regional subindustry, Joint Stock Commercial Bank for Investment and Development of Vietnam'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.


Joint Stock Commercial Bank for Investment and Development of Vietnam Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Joint Stock Commercial Bank for Investment and Development of Vietnam's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Joint Stock Commercial Bank for Investment and Development of Vietnam's Shiller PE Ratio falls into.


STC:BID
85GF Score
Joint Stock Commercial Bank for Investment and Development of Vietnam STC:BID
E10 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 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, Joint Stock Commercial Bank for Investment and Development of Vietnam's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=934.172/330.2130*330.2130
=934.172

Current CPI (Mar. 2026) = 330.2130.

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

per share eps CPI Adj_EPS
201606 169.750 241.018 232.570
201609 335.322 241.428 458.636
201612 262.427 241.432 358.928
201703 311.052 243.801 421.300
201706 152.144 244.955 205.099
201709 256.715 246.819 343.453
201712 153.752 246.524 205.947
201803 337.405 249.554 446.459
201806 326.211 251.989 427.475
201809 299.004 252.439 391.124
201812 -21.995 251.233 -28.910
201903 335.900 254.202 436.340
201906 292.186 256.143 376.679
201909 309.381 256.759 397.889
201912 154.586 256.974 198.644
202003 204.322 258.115 261.394
202006 287.499 257.797 368.258
202009 305.667 260.280 387.795
202012 -60.854 260.474 -77.147
202103 383.923 264.877 478.624
202106 530.435 271.696 644.678
202109 296.919 274.310 357.430
202112 54.862 278.802 64.979
202203 517.744 287.504 594.655
202206 747.782 296.311 833.338
202209 765.193 296.808 851.314
202212 199.687 296.797 222.170
202303 792.815 301.836 867.351
202306 786.676 305.109 851.403
202309 664.422 307.789 712.829
202312 873.853 306.746 940.705
202403 842.715 312.332 890.960
202406 922.933 314.175 970.047
202409 746.835 315.301 782.156
202412 1,142.749 315.605 1,195.642
202503 831.801 319.799 858.888
202506 962.175 322.561 985.000
202509 847.836 324.800 861.966
202512 1,624.845 324.054 1,655.727
202603 934.172 330.213 934.172

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 ₫2,236.60 mean?
Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) has a E10 of ₫2,236.60 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings 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 E10 too high?
Joint Stock Commercial Bank for Investment and Development of Vietnam's current E10 is ₫2,236.60. Overall, Joint Stock Commercial Bank for Investment and Development of Vietnam has a GF Score™ of 85/100 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 E10 compare to competitors?
Joint Stock Commercial Bank for Investment and Development of Vietnam's E10 of ₫2,236.60 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 E10 for a Banks company?
A good E10 depends on the Banks 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 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 E10 is ₫2,236.60. 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 ₫47,178.25, compared to a current price of ₫42,400.00 — trading 10.1% below its estimated fair value. The current E10 is ₫2,236.60. Joint Stock Commercial Bank for Investment and Development of Vietnam's overall GF Score™ is 85/100 with 2 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 Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID), the current E10 is ₫2,236.60 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 ₫42,400.00 is trading 10.1% below its estimated GF Value™ of ₫47,178.25. GuruFocus considers Joint Stock Commercial Bank for Investment and Development of Vietnam to be Modestly Undervalued.

Key valuation signals for STC:BID:

  • E10: ₫2,236.60
  • GF Value™: ₫47,178.25 vs. price of ₫42,400.00 (10.1% below fair value)
  • GF Score™: 85/100 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.
85GF Score

Get the complete analysis for STC:BID

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

₫42,400.00
Price
₫47,178.25
GF Value