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BaoViet HoldingsSTC:BVH -0.83%72 Return-on-Tangible-Asset is 1.07% as of Mar. 2026, which is 1% below its 10-year median of 1.08. GuruFocus rates STC:BVH with a GF Score™ of 72/100 and a GF Value™ of ₫43,576.69 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 507 Insurance companies, BaoViet Holdings ranks worse than 71.01% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. BaoViet Holdings's annualizedNet Income for the quarter that ended in Mar. 2026 was ₫3,196,717 Mil. BaoViet Holdings's average total tangible assets for the quarter that ended in Mar. 2026 was ₫298,741,187 Mil. Therefore, BaoViet Holdings's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.07%.
The historical rank and industry rank for BaoViet Holdings's Return-on-Tangible-Asset or its related term are showing as below:
STC:BVH'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.84 Med: 1.08 Max: 1.92
Current: 1.12
During the past 13 years, BaoViet Holdings's highest Return-on-Tangible-Asset was 1.92%. The lowest was 0.84%. And the median was 1.08%.
STC:BVH's Return-on-Tangible-Asset is ranked worse than 71.01% of 507
companies
in the Insurance industry
Industry Median: 2.75
vs STC:BVH: 1.12
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
BaoViet Holdings Return-on-Tangible-Asset Related Terms
BaoViet Holdings Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for BaoViet Holdings's Return-on-Tangible-Asset 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: Return-on-Tangible-Asset Comparison
For the Insurance - Diversified subindustry, BaoViet Holdings's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, BaoViet Holdings's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where BaoViet Holdings's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.07% mean?
BaoViet Holdings (STC:BVH) has a Return-on-Tangible-Asset of 1.07% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on BaoViet Holdings and its competitors. This is near median its historical median of 1.08. Over the past decade, BaoViet Holdings' Return-on-Tangible-Asset has ranged from 0.84 to 1.92. According to the industry distribution chart, BaoViet Holdings ranks #360 out of 507 companies in the Insurance industry, placing it in the top 71%.
Is BaoViet Holdings' Return-on-Tangible-Asset too high?
BaoViet Holdings' current Return-on-Tangible-Asset of 1.07% is near median its 10-year median of 1.08. Over the past 10 years, this metric has ranged from a low of 0.84 to a high of 1.92. The Insurance industry median Return-on-Tangible-Asset is 2.75. BaoViet Holdings' value of 1.07% is 61.1% below this industry median. Based on the distribution chart, BaoViet Holdings ranks #360 out of 507 companies in the Insurance industry, which is below the industry midpoint. Overall, BaoViet Holdings has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BaoViet Holdings' Return-on-Tangible-Asset compare to BRK.A and AIG?
According to the Insurance industry distribution chart, BaoViet Holdings ranks #360 out of 507 companies for Return-on-Tangible-Asset. This places BaoViet Holdings in the lower half of its industry. The industry median Return-on-Tangible-Asset is 2.75. BaoViet Holdings' value of 1.07% is 61.1% below this benchmark. Historically, BaoViet Holdings' own Return-on-Tangible-Asset has ranged from 0.84 to 1.92 over the past decade. While the company's 10-year median is 1.08 vs. the industry median of 2.75, 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 Return-on-Tangible-Asset for an Insurance company?
The median Return-on-Tangible-Asset among Insurance companies is 2.75, based on 507 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BaoViet Holdings's current Return-on-Tangible-Asset of 1.07% is 61.1% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on BaoViet Holdings and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BaoViet Holdings's current Return-on-Tangible-Asset is 1.07%, which is near median its own 10-year median of 1.08. 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 ₫43,576.69, compared to a current price of ₫60,000.00 — trading 37.7% above its estimated fair value. The current Return-on-Tangible-Asset is 1.07%, which is near median its 10-year median of 1.08 and 61.1% below the Insurance industry median of 2.75. BaoViet Holdings' overall GF Score™ is 72/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For BaoViet Holdings (STC:BVH), the current Return-on-Tangible-Asset is 1.07% 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 ₫60,000.00 is trading 37.7% above its estimated GF Value™ of ₫43,576.69.
GuruFocus considers BaoViet Holdings to be Significantly Overvalued.
Key valuation signals for STC:BVH:
Return-on-Tangible-Asset: 1.07% (near median its 10-year median of 1.08)
GF Value™: ₫43,576.69 vs. price of ₫60,000.00 (37.7% above fair value)
Industry Position: 61.1% below the Insurance median (#360 of 507)
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.
72GF Score
Get the complete analysis for STC:BVH
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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