BIDV InsuranceSTC:BIC +1.72%83 FCF Margin % is 16.04% as of Mar. 2026, which is 122% above its 10-year median of 7.24. 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 505 Insurance companies, BIDV Insurance ranks better than 50.89% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. BIDV Insurance's Free Cash Flow for the
three
months ended in Mar. 2026 was ₫182,469 Mil. BIDV Insurance's Revenue for the
three
months ended in Mar. 2026 was ₫1,137,298 Mil. Therefore, BIDV Insurance's FCF Margin % for the quarter that ended in Mar. 2026 was 16.04%.
The historical rank and industry rank for BIDV Insurance's FCF Margin % or its related term are showing as below:
STC:BIC'
s FCF Margin % Range Over the Past 10 Years
Min: -1.89 Med: 7.24 Max: 20.19
Current: 10.07
During the past 13 years, the highest FCF Margin % of BIDV Insurance was 20.19%. The lowest was -1.89%. And the median was 7.24%.
STC:BIC's FCF Margin % is ranked better than 50.89% of 505
companies
in the Insurance industry
Industry Median: 9.66
vs STC:BIC: 10.07
BIDV Insurance FCF Margin % Related Terms
BIDV Insurance FCF Margin % Historical Data
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The historical data trend for BIDV Insurance's FCF Margin % 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: FCF Margin % Comparison
For the Insurance - Diversified subindustry, BIDV Insurance's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, BIDV Insurance's FCF Margin % distribution charts can be found below:
* The bar in red indicates where BIDV Insurance's FCF Margin % 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 FCF Margin % of 16.04% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on BIDV Insurance and its competitors. This is 122% above median its historical median of 7.24. According to the industry distribution chart, BIDV Insurance ranks #248 out of 505 companies in the Insurance industry, placing it in the top 49.1%.
Is BIDV Insurance's FCF Margin % too high?
BIDV Insurance's current FCF Margin % of 16.04% is 122% above median its 10-year median of 7.24. The Insurance industry median FCF Margin % is 9.66. BIDV Insurance's value of 16.04% is 66% above this industry median. Based on the distribution chart, BIDV Insurance ranks #248 out of 505 companies in the Insurance industry, which is above 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 FCF Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, BIDV Insurance ranks #248 out of 505 companies for FCF Margin %. This puts BIDV Insurance in the upper half of its industry. The industry median FCF Margin % is 9.66. BIDV Insurance's value of 16.04% is 66% above this benchmark. While the company's 10-year median is 7.24 vs. the industry median of 9.66, 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.66, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BIDV Insurance's current FCF Margin % of 16.04% is 66% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on BIDV Insurance and its competitors. For the Insurance industry, the median FCF Margin % is 9.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BIDV Insurance's current FCF Margin % is 16.04%, which is 122% above median its own 10-year median of 7.24. 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 FCF Margin % is 16.04%, which is 122% above median its 10-year median of 7.24 and 66% above the Insurance industry median of 9.66. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For BIDV Insurance (STC:BIC), the current FCF Margin % is 16.04% 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 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:
FCF Margin %: 16.04% (122% above median its 10-year median of 7.24)
GF Value™: ₫23,563.38 vs. price of ₫23,600.00 (0.2% above fair value)
Industry Position: 66% above the Insurance median (#248 of 505)
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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