BaoViet HoldingsSTC:BVH 71 PB Ratio is 1.76 as of Jul. 06, 2026, which is 13% below its 10-year median of 2.03. 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 499 Insurance companies, BaoViet Holdings ranks worse than 62.73% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-06), BaoViet Holdings's share price is ₫60000.00. BaoViet Holdings's Book Value per Share for the quarter that ended in Mar. 2026 was ₫34,015.32. Hence, BaoViet Holdings's PB Ratio of today is 1.76.
The historical rank and industry rank for BaoViet Holdings's PB Ratio or its related term are showing as below:
STC:BVH'
s PB Ratio Range Over the Past 10 Years
Min: 1.3 Med: 2.03 Max: 5.15
Current: 1.83
During the past 13 years, BaoViet Holdings's highest PB Ratio was 5.15. The lowest was 1.30. And the median was 2.03.
STC:BVH's PB Ratio is ranked worse than 62.73% of 499
companies
in the Insurance industry
Industry Median: 1.41
vs STC:BVH: 1.83
During the past 12 months, BaoViet Holdings's average Book Value Per Share Growth Rate was 8.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 6.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.60% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 6.00% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of BaoViet Holdings was 10.60% per year. The lowest was 1.30% per year. And the median was 4.00% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
BaoViet Holdings PB Ratio Related Terms
BaoViet Holdings PB Ratio Historical Data
* Premium members only.
The historical data trend for BaoViet Holdings's PB Ratio 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, BaoViet Holdings's PB Ratio, along with its competitors' market caps and PB 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.
BaoViet Holdings PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, BaoViet Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where BaoViet Holdings's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
BaoViet Holdings (STC:BVH) has a PB Ratio of 1.76 as of Jul. 06, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on BaoViet Holdings and its competitors. This is 13% below median its historical median of 2.03. Over the past decade, BaoViet Holdings' PB Ratio has ranged from 1.30 to 5.15. According to the industry distribution chart, BaoViet Holdings ranks #313 out of 499 companies in the Insurance industry, placing it in the top 62.7%.
Is BaoViet Holdings' PB Ratio too high?
BaoViet Holdings' current PB Ratio of 1.76 is 13% below median its 10-year median of 2.03. Over the past 10 years, this metric has ranged from a low of 1.30 to a high of 5.15. The Insurance industry median PB Ratio is 1.41. BaoViet Holdings' value of 1.76 is 24.8% above this industry median. Based on the distribution chart, BaoViet Holdings ranks #313 out of 499 companies in the Insurance industry, which is below the industry midpoint. 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' PB Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, BaoViet Holdings ranks #313 out of 499 companies for PB Ratio. This places BaoViet Holdings in the lower half of its industry. The industry median PB Ratio is 1.41. BaoViet Holdings' value of 1.76 is 24.8% above this benchmark. Historically, BaoViet Holdings' own PB Ratio has ranged from 1.30 to 5.15 over the past decade. While the company's 10-year median is 2.03 vs. the industry median of 1.41, 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.41, based on 499 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BaoViet Holdings's current PB Ratio of 1.76 is 24.8% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on BaoViet Holdings and its competitors. For the Insurance industry, the median PB Ratio is 1.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BaoViet Holdings's current PB Ratio is 1.76, which is 13% below median its own 10-year median of 2.03. 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 ₫60,000.00 — trading 36.3% above its estimated fair value. The current PB Ratio is 1.76, which is 13% below median its 10-year median of 2.03 and 24.8% above the Insurance industry median of 1.41. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For BaoViet Holdings (STC:BVH), the current PB Ratio is 1.76 as of Jul. 06, 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 ₫60,000.00 is trading 36.3% above its estimated GF Value™ of ₫44,024.91.
GuruFocus considers BaoViet Holdings to be Significantly Overvalued.
Key valuation signals for STC:BVH:
PB Ratio: 1.76 (13% below median its 10-year median of 2.03)
GF Value™: ₫44,024.91 vs. price of ₫60,000.00 (36.3% above fair value)
Industry Position: 24.8% above the Insurance median (#313 of 499)
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
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