BaoViet HoldingsSTC:BVH 71 Interest Coverage is 2.33 as of Mar. 2026, which is 36% below its 10-year median of 3.65. GuruFocus rates STC:BVH with a GF Score™ of 71/100 and a GF Value™ of ₫44,024.91 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 352 Insurance companies, BaoViet Holdings ranks worse than 87.78% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. BaoViet Holdings's
EBIT
for the
three
months ended in Mar. 2026 was ₫1,761,667 Mil. BaoViet Holdings's Interest Expense for the
three
months ended in Mar. 2026 was ₫-755,673 Mil.
BaoViet Holdings's interest coverage for the quarter that ended in Mar. 2026 was 2.33.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for BaoViet Holdings's Interest Coverage or its related term are showing as below:
STC:BVH'
s Interest Coverage Range Over the Past 10 Years
Min: 2.27 Med: 3.65 Max: 8.47
Current: 2.83
STC:BVH's Interest Coverage is ranked worse than 87.78% of 352
companies
in the Insurance industry
Industry Median: 16.245
vs STC:BVH: 2.83
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
BaoViet Holdings Interest Coverage Related Terms
BaoViet Holdings Interest Coverage Historical Data
* Premium members only.
The historical data trend for BaoViet Holdings's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
STC:BVH vs BRK.A, AIG, HIG: Interest Coverage Comparison
For the Insurance - Diversified subindustry, BaoViet Holdings's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, BaoViet Holdings's Interest Coverage distribution charts can be found below:
* The bar in red indicates where BaoViet Holdings's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 2.33 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on BaoViet Holdings and its competitors. This is 36% below median its historical median of 3.65. Over the past decade, BaoViet Holdings' Interest Coverage has ranged from 2.27 to 8.47. According to the industry distribution chart, BaoViet Holdings ranks #309 out of 352 companies in the Insurance industry, placing it in the top 87.8%.
Is BaoViet Holdings' Interest Coverage too high?
BaoViet Holdings' current Interest Coverage of 2.33 is 36% below median its 10-year median of 3.65. Over the past 10 years, this metric has ranged from a low of 2.27 to a high of 8.47. The Insurance industry median Interest Coverage is 16.25. BaoViet Holdings' value of 2.33 is 85.7% below this industry median. Based on the distribution chart, BaoViet Holdings ranks #309 out of 352 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, BaoViet Holdings has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BaoViet Holdings' Interest Coverage compare to BRK.A and AIG?
According to the Insurance industry distribution chart, BaoViet Holdings ranks #309 out of 352 companies for Interest Coverage. This places BaoViet Holdings in the lower half of its industry. The industry median Interest Coverage is 16.25. BaoViet Holdings' value of 2.33 is 85.7% below this benchmark. Historically, BaoViet Holdings' own Interest Coverage has ranged from 2.27 to 8.47 over the past decade. While the company's 10-year median is 3.65 vs. the industry median of 16.25, BaoViet Holdings has consistently been below 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.25, based on 352 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BaoViet Holdings's current Interest Coverage of 2.33 is 85.7% below 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on BaoViet Holdings and its competitors. For the Insurance industry, the median Interest Coverage is 16.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BaoViet Holdings's current Interest Coverage is 2.33, which is 36% below median its own 10-year median of 3.65. 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 Significantly Overvalued. The stock's GF Value™ is ₫44,024.91, compared to a current price of ₫62,300.00 — trading 41.5% above its estimated fair value. The current Interest Coverage is 2.33, which is 36% below median its 10-year median of 3.65 and 85.7% below the Insurance industry median of 16.25. BaoViet Holdings' overall GF Score™ is 71/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For BaoViet Holdings (STC:BVH), the current Interest Coverage is 2.33 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 BaoViet Holdings (STC:BVH) Overvalued in 2026?
Based on GuruFocus' analysis, BaoViet Holdings stock appears to be overvalued.
The current stock price of ₫62,300.00 is trading 41.5% above its estimated GF Value™ of ₫44,024.91.
GuruFocus considers BaoViet Holdings to be Significantly Overvalued.
Key valuation signals for STC:BVH:
Interest Coverage: 2.33 (36% below median its 10-year median of 3.65)
GF Value™: ₫44,024.91 vs. price of ₫62,300.00 (41.5% above fair value)
Industry Position: 85.7% below the Insurance median (#309 of 352)
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.
71GF Score
Get the complete analysis for STC:BVH
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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