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BaoViet HoldingsSTC:BVH -0.30%82 ROE % is 16.03% as of Jun. 2026, which is 84% above its 10-year median of 8.71. 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 501 Insurance companies, BaoViet Holdings ranks better than 59.88% on this metric.
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
BaoViet Holdings ROE % Related Terms
BaoViet Holdings ROE % Historical Data
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The historical data trend for BaoViet Holdings's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, BaoViet Holdings's ROE % distribution charts can be found below:
* The bar in red indicates where BaoViet Holdings's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
ROE % is displayed in the 30-year financial page.
BaoViet Holdings (STC:BVH) has a ROE % of 16.03% as of Jun. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on BaoViet Holdings and its competitors. This is 84% above median its historical median of 8.71. Over the past decade, BaoViet Holdings' ROE % has ranged from 7.00 to 13.92. According to the industry distribution chart, BaoViet Holdings ranks #201 out of 501 companies in the Insurance industry, placing it in the top 40.1%.
Is BaoViet Holdings' ROE % too high?
BaoViet Holdings' current ROE % of 16.03% is 84% above median its 10-year median of 8.71. Over the past 10 years, this metric has ranged from a low of 7.00 to a high of 13.92. The Insurance industry median ROE % is 12.05. BaoViet Holdings' value of 16.03% is 33% above this industry median. Based on the distribution chart, BaoViet Holdings ranks #201 out of 501 companies in the Insurance industry, which is above the industry midpoint. 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' ROE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, BaoViet Holdings ranks #201 out of 501 companies for ROE %. This puts BaoViet Holdings in the upper half of its industry. The industry median ROE % is 12.05. BaoViet Holdings' value of 16.03% is 33% above this benchmark. Historically, BaoViet Holdings' own ROE % has ranged from 7.00 to 13.92 over the past decade. While the company's 10-year median is 8.71 vs. the industry median of 12.05, 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 12.05, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BaoViet Holdings's current ROE % of 16.03% is 33% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on BaoViet Holdings and its competitors. For the Insurance industry, the median ROE % is 12.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BaoViet Holdings's current ROE % is 16.03%, which is 84% above median its own 10-year median of 8.71. 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 ROE % is 16.03%, which is 84% above median its 10-year median of 8.71 and 33% above the Insurance industry median of 12.05. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For BaoViet Holdings (STC:BVH), the current ROE % is 16.03% 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:
ROE %: 16.03% (84% above median its 10-year median of 8.71)
GF Value™: ₫56,543.50 vs. price of ₫66,600.00 (17.8% above fair value)
Industry Position: 33% above the Insurance median (#201 of 501)
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
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