BIDV InsuranceSTC:BIC +1.72%83 EV-to-FCF is 11.79 as of Jun. 30, 2026, which is 7% below its 10-year median of 12.63. GuruFocus rates STC:BIC with a GF Score™ of 83/100 and a GF Value™ of ₫23,563.38 (Fairly Valued). The stock has 4 warning signs investors should review. Among 396 Insurance companies, BIDV Insurance ranks worse than 58.84% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, BIDV Insurance's Enterprise Value is ₫5,212,854 Mil.
BIDV Insurance's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₫442,170 Mil. Therefore, BIDV Insurance's EV-to-FCF for today is 11.79.
The historical rank and industry rank for BIDV Insurance's EV-to-FCF or its related term are showing as below:
STC:BIC'
s EV-to-FCF Range Over the Past 10 Years
Min: -160.11 Med: 12.63 Max: 190.83
Current: 11.61
During the past 13 years, the highest EV-to-FCF of BIDV Insurance was 190.83. The lowest was -160.11. And the median was 12.63.
STC:BIC's EV-to-FCF is ranked worse than 58.84% of 396
companies
in the Insurance industry
Industry Median: 9.305
vs STC:BIC: 11.61
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
BIDV Insurance's PE Ratio (TTM) for today is calculated as:
BIDV Insurance's share price for today is ₫23600.00.
BIDV Insurance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₫2361.751.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
BIDV Insurance EV-to-FCF Related Terms
BIDV Insurance EV-to-FCF Historical Data
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The historical data trend for BIDV Insurance's EV-to-FCF 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.
For the Insurance - Diversified subindustry, BIDV Insurance's EV-to-FCF, along with its competitors' market caps and EV-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.
BIDV Insurance EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, BIDV Insurance's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where BIDV Insurance's EV-to-FCF falls into.
BIDV Insurance's current Enterprise Value is ₫5,212,854 Mil.
BIDV Insurance's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₫442,170 Mil.
* 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 EV-to-FCF of 11.79 as of Jun. 30, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on BIDV Insurance and its competitors. This is near median its historical median of 12.63. According to the industry distribution chart, BIDV Insurance ranks #233 out of 396 companies in the Insurance industry, placing it in the top 58.8%.
Is BIDV Insurance's EV-to-FCF too high?
BIDV Insurance's current EV-to-FCF of 11.79 is near median its 10-year median of 12.63. The Insurance industry median EV-to-FCF is 9.31. BIDV Insurance's value of 11.79 is 26.7% above this industry median. Based on the distribution chart, BIDV Insurance ranks #233 out of 396 companies in the Insurance industry, which is below the industry midpoint. Overall, BIDV Insurance has a GF Score™ of 83/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BIDV Insurance's EV-to-FCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, BIDV Insurance ranks #233 out of 396 companies for EV-to-FCF. This places BIDV Insurance in the lower half of its industry. The industry median EV-to-FCF is 9.31. BIDV Insurance's value of 11.79 is 26.7% above this benchmark. While the company's 10-year median is 12.63 vs. the industry median of 9.31, BIDV Insurance has consistently been above 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 EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.31, based on 396 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BIDV Insurance's current EV-to-FCF of 11.79 is 26.7% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on BIDV Insurance and its competitors. For the Insurance industry, the median EV-to-FCF is 9.31 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BIDV Insurance's current EV-to-FCF is 11.79, which is near median its own 10-year median of 12.63. 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 Fairly Valued. The stock's GF Value™ is ₫23,563.38, compared to a current price of ₫23,600.00 — trading 0.2% above its estimated fair value. The current EV-to-FCF is 11.79, which is near median its 10-year median of 12.63 and 26.7% above the Insurance industry median of 9.31. BIDV Insurance's overall GF Score™ is 83/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For BIDV Insurance (STC:BIC), the current EV-to-FCF is 11.79 as of Jun. 30, 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 overvalued.
The current stock price of ₫23,600.00 is trading 0.2% above its estimated GF Value™ of ₫23,563.38.
GuruFocus considers BIDV Insurance to be Fairly Valued.
Key valuation signals for STC:BIC:
EV-to-FCF: 11.79 (near median its 10-year median of 12.63)
GF Value™: ₫23,563.38 vs. price of ₫23,600.00 (0.2% above fair value)
Industry Position: 26.7% above the Insurance median (#233 of 396)
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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