BaoViet HoldingsSTC:BVH 79 Return-on-Tangible-Equity is 13.35% as of Mar. 2026, which is 45% above its 10-year median of 9.21. GuruFocus rates STC:BVH with a GF Score™ of 79/100 and a GF Value™ of ₫43,955.95 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 499 Insurance companies, BaoViet Holdings ranks worse than 50.7% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. BaoViet Holdings's annualized net income for the quarter that ended in Mar. 2026 was ₫3,196,717 Mil. BaoViet Holdings's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₫23,945,267 Mil. Therefore, BaoViet Holdings's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 13.35%.
The historical rank and industry rank for BaoViet Holdings's Return-on-Tangible-Equity or its related term are showing as below:
STC:BVH'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.38 Med: 9.21 Max: 13.32
Current: 13.32
During the past 13 years, BaoViet Holdings's highest Return-on-Tangible-Equity was 13.32%. The lowest was 7.38%. And the median was 9.21%.
STC:BVH's Return-on-Tangible-Equity is ranked worse than 50.7% of 499
companies
in the Insurance industry
Industry Median: 13.51
vs STC:BVH: 13.32
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
BaoViet Holdings Return-on-Tangible-Equity Related Terms
BaoViet Holdings Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for BaoViet Holdings's Return-on-Tangible-Equity 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-Equity Comparison
For the Insurance - Diversified subindustry, BaoViet Holdings's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, BaoViet Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where BaoViet Holdings's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 13.35% mean?
BaoViet Holdings (STC:BVH) has a Return-on-Tangible-Equity of 13.35% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on BaoViet Holdings and its competitors. This is 45% above median its historical median of 9.21. Over the past decade, BaoViet Holdings' Return-on-Tangible-Equity has ranged from 7.38 to 13.32. According to the industry distribution chart, BaoViet Holdings ranks #253 out of 499 companies in the Insurance industry, placing it in the top 50.7%.
Is BaoViet Holdings' Return-on-Tangible-Equity too high?
BaoViet Holdings' current Return-on-Tangible-Equity of 13.35% is 45% above median its 10-year median of 9.21. Over the past 10 years, this metric has ranged from a low of 7.38 to a high of 13.32. The Insurance industry median Return-on-Tangible-Equity is 13.51. BaoViet Holdings' value of 13.35% is 1.2% below this industry median. Based on the distribution chart, BaoViet Holdings ranks #253 out of 499 companies in the Insurance industry, which is below the industry midpoint. Overall, BaoViet Holdings has a GF Score™ of 79/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BaoViet Holdings' Return-on-Tangible-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, BaoViet Holdings ranks #253 out of 499 companies for Return-on-Tangible-Equity. This places BaoViet Holdings in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.51. BaoViet Holdings' value of 13.35% is 1.2% below this benchmark. Historically, BaoViet Holdings' own Return-on-Tangible-Equity has ranged from 7.38 to 13.32 over the past decade. While the company's 10-year median is 9.21 vs. the industry median of 13.51, 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-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.51, based on 499 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BaoViet Holdings's current Return-on-Tangible-Equity of 13.35% is 1.2% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on BaoViet Holdings and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BaoViet Holdings's current Return-on-Tangible-Equity is 13.35%, which is 45% above median its own 10-year median of 9.21. 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 ₫43,955.95, compared to a current price of ₫59,500.00 — trading 35.4% above its estimated fair value. The current Return-on-Tangible-Equity is 13.35%, which is 45% above median its 10-year median of 9.21 and 1.2% below the Insurance industry median of 13.51. BaoViet Holdings' overall GF Score™ is 79/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For BaoViet Holdings (STC:BVH), the current Return-on-Tangible-Equity is 13.35% 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 ₫59,500.00 is trading 35.4% above its estimated GF Value™ of ₫43,955.95.
GuruFocus considers BaoViet Holdings to be Significantly Overvalued.
Key valuation signals for STC:BVH:
Return-on-Tangible-Equity: 13.35% (45% above median its 10-year median of 9.21)
GF Value™: ₫43,955.95 vs. price of ₫59,500.00 (35.4% above fair value)
Industry Position: 1.2% below the Insurance median (#253 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.
79GF Score
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