Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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.
BaoViet HoldingsSTC:BVH -0.30%82 FCF Margin % is 11.33% as of Jun. 2026, which is 32% below its 10-year median of 16.77. GuruFocus rates STC:BVH with a GF Score™ of 82/100 and a GF Value™ of ₫56,543.50 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 502 Insurance companies, BaoViet Holdings ranks worse than 88.25% on this metric.
The historical data trend for BaoViet Holdings'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:BVH vs BRK.A, AIG, HIG: FCF Margin % Comparison
For the Insurance - Diversified subindustry, BaoViet Holdings'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.
BaoViet Holdings FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, BaoViet Holdings's FCF Margin % distribution charts can be found below:
* The bar in red indicates where BaoViet Holdings'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.
BaoViet Holdings (STC:BVH) has a FCF Margin % of 11.33% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on BaoViet Holdings and its competitors. This is 32% below median its historical median of 16.77. According to the industry distribution chart, BaoViet Holdings ranks #443 out of 502 companies in the Insurance industry, placing it in the top 88.2%.
Is BaoViet Holdings' FCF Margin % too high?
BaoViet Holdings' current FCF Margin % of 11.33% is 32% below median its 10-year median of 16.77. The Insurance industry median FCF Margin % is 8.87. BaoViet Holdings' value of 11.33% is 27.7% above this industry median. Based on the distribution chart, BaoViet Holdings ranks #443 out of 502 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, BaoViet Holdings has a GF Score™ of 82/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BaoViet Holdings' FCF Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, BaoViet Holdings ranks #443 out of 502 companies for FCF Margin %. This places BaoViet Holdings in the lower half of its industry. The industry median FCF Margin % is 8.87. BaoViet Holdings' value of 11.33% is 27.7% above this benchmark. While the company's 10-year median is 16.77 vs. the industry median of 8.87, BaoViet Holdings 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 8.87, based on 502 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. BaoViet Holdings's current FCF Margin % of 11.33% is 27.7% 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 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 BaoViet Holdings and its competitors. For the Insurance industry, the median FCF Margin % is 8.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BaoViet Holdings's current FCF Margin % is 11.33%, which is 32% below median its own 10-year median of 16.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BaoViet Holdings stock overvalued right now?
Based on GuruFocus' analysis, BaoViet Holdings (STC:BVH) is currently considered Modestly Overvalued. The stock's GF Value™ is ₫56,543.50, compared to a current price of ₫66,600.00 — trading 17.8% above its estimated fair value. The current FCF Margin % is 11.33%, which is 32% below median its 10-year median of 16.77 and 27.7% above the Insurance industry median of 8.87. BaoViet Holdings' overall GF Score™ is 82/100 with 3 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 BaoViet Holdings (STC:BVH), the current FCF Margin % is 11.33% 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 BaoViet Holdings (STC:BVH) Overvalued in 2026?
Based on GuruFocus' analysis, BaoViet Holdings stock appears to be overvalued.
The current stock price of ₫66,600.00 is trading 17.8% above its estimated GF Value™ of ₫56,543.50.
GuruFocus considers BaoViet Holdings to be Modestly Overvalued.
Key valuation signals for STC:BVH:
FCF Margin %: 11.33% (32% below median its 10-year median of 16.77)
GF Value™: ₫56,543.50 vs. price of ₫66,600.00 (17.8% above fair value)
Industry Position: 27.7% above the Insurance median (#443 of 502)
No single metric tells the full story. See the STC:BVH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BaoViet Holdings is a Vietnam-based company that provides financial and securities investment services. The firm's services are classified on the basis of five major segments which include Life insurance, Non-life insurance, financial services, Banking services and Real estate operation and other activities. Further, the company has established relations with world-class insurers and reinsurers, including Munich Re, Swiss Re, CCR, Hannover Re, AON, Arthur Gallagher, and Marsh. It is engaged in offering securities brokerage services, underwriting services, custody services, investment advice to investors and trading of securities. The majority of the revenue for the company is generated through interest, dividends and appropriated profits.
82GF Score
Get the complete analysis for STC:BVH
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STC:BVH has been successfully added to your 
