BIDV InsuranceSTC:BIC -0.22%83 3-Year ROIIC % is 7.90 as of Dec. 2025, which is 1% below its 10-year median of 7.98. GuruFocus rates STC:BIC with a GF Score™ of 83/100 and a GF Value™ of ₫23,629.44 (Fairly Valued). The stock has 4 warning signs investors should review. Among 336 Insurance companies, BIDV Insurance ranks better than 58.04% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
BIDV Insurance's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 7.90%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for BIDV Insurance's 3-Year ROIIC % or its related term are showing as below:
STC:BIC's 3-Year ROIIC % is ranked better than 58.04% of 336
companies
in the Insurance industry
Industry Median: 5.16
vs STC:BIC: 7.90
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
BIDV Insurance 3-Year ROIIC % Related Terms
BIDV Insurance 3-Year ROIIC % Historical Data
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The historical data trend for BIDV Insurance's 3-Year ROIIC % 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:BIC vs BRK.A, AIG, HIG: 3-Year ROIIC % Comparison
For the Insurance - Diversified subindustry, BIDV Insurance's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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.
BIDV Insurance 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, BIDV Insurance's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where BIDV Insurance's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
BIDV Insurance (STC:BIC) has a 3-Year ROIIC % of 7.90 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on BIDV Insurance and its competitors. This is near median its historical median of 7.98. Over the past decade, BIDV Insurance's 3-Year ROIIC % has ranged from 1.93 to 26.44. According to the industry distribution chart, BIDV Insurance ranks #141 out of 336 companies in the Insurance industry, placing it in the top 42%.
Is BIDV Insurance's 3-Year ROIIC % too high?
BIDV Insurance's current 3-Year ROIIC % of 7.90 is near median its 10-year median of 7.98. Over the past 10 years, this metric has ranged from a low of 1.93 to a high of 26.44. The Insurance industry median 3-Year ROIIC % is 5.16. BIDV Insurance's value of 7.90 is 53.1% above this industry median. Based on the distribution chart, BIDV Insurance ranks #141 out of 336 companies in the Insurance industry, which is above the industry midpoint. Overall, BIDV Insurance has a GF Score™ of 83/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BIDV Insurance's 3-Year ROIIC % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, BIDV Insurance ranks #141 out of 336 companies for 3-Year ROIIC %. This puts BIDV Insurance in the upper half of its industry. The industry median 3-Year ROIIC % is 5.16. BIDV Insurance's value of 7.90 is 53.1% above this benchmark. Historically, BIDV Insurance's own 3-Year ROIIC % has ranged from 1.93 to 26.44 over the past decade. While the company's 10-year median is 7.98 vs. the industry median of 5.16, BIDV Insurance 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 3-Year ROIIC % for an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.16, based on 336 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BIDV Insurance's current 3-Year ROIIC % of 7.90 is 53.1% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on BIDV Insurance and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BIDV Insurance's current 3-Year ROIIC % is 7.90, which is near median its own 10-year median of 7.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BIDV Insurance stock overvalued right now?
Based on GuruFocus' analysis, BIDV Insurance (STC:BIC) is currently considered Fairly Valued. The stock's GF Value™ is ₫23,629.44, compared to a current price of ₫23,000.00 — trading 2.7% below its estimated fair value. The current 3-Year ROIIC % is 7.90, which is near median its 10-year median of 7.98 and 53.1% above the Insurance industry median of 5.16. BIDV Insurance's overall GF Score™ is 83/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For BIDV Insurance (STC:BIC), the current 3-Year ROIIC % is 7.90 as of Dec. 2025. 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 BIDV Insurance (STC:BIC) Overvalued in 2026?
Based on GuruFocus' analysis, BIDV Insurance stock appears to be undervalued.
The current stock price of ₫23,000.00 is trading 2.7% below its estimated GF Value™ of ₫23,629.44.
GuruFocus considers BIDV Insurance to be Fairly Valued.
Key valuation signals for STC:BIC:
3-Year ROIIC %: 7.90 (near median its 10-year median of 7.98)
GF Value™: ₫23,629.44 vs. price of ₫23,000.00 (2.7% below fair value)
Industry Position: 53.1% above the Insurance median (#141 of 336)
No single metric tells the full story. See the STC:BIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BIDV Insurance Corp is an insurance company. The company operates a network of agencies throughout Vietnam offering non-life, reinsurance, casualty insurance, and financial investments.
83GF Score
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