BaoViet Holdings (STC:BVH) Scaled Net Operating Assets: -0.38 (As of Mar. 2026)


STC:BVH BaoViet Holdings STC:BVH
71 GF Score
Price ₫60,000.00
GF Value ₫44,024.91
Valuation Significantly Overvalued
! 3 Warning Signs
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What is BaoViet Holdings Scaled Net Operating Assets?

BaoViet Holdings STC:BVH 71 Scaled Net Operating Assets is -0.38 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

BaoViet Holdings's operating assets for the quarter that ended in Mar. 2026 was ₫166,203,861 Mil. BaoViet Holdings's operating liabilities for the quarter that ended in Mar. 2026 was ₫277,138,094 Mil. BaoViet Holdings's Total Assets for the quarter that ended in Dec. 2025 was ₫291,805,652 Mil. Therefore, BaoViet Holdings's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.38.

STC:BVH
71GF Score
BaoViet Holdings STC:BVH
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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BaoViet Holdings Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

BaoViet Holdings's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(287610969.442-262252515.68)/251286326.838
=0.10

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=291805652.09 - 4194682.648
=287610969.442

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=266325310.636 - 754 - 4072040.956
=262252515.68

BaoViet Holdings's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(166203861.015-277138093.634)/291805652.09
=-0.38

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=307487711.605 - 141283850.59
=166203861.015

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=281191742.462 - 754 - 4052894.828
=277138093.634

* 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.

What does a Scaled Net Operating Assets of -0.38 mean?
BaoViet Holdings (STC:BVH) has a Scaled Net Operating Assets of -0.38 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on BaoViet Holdings and its competitors.
Is BaoViet Holdings' Scaled Net Operating Assets too high?
BaoViet Holdings' current Scaled Net Operating Assets is -0.38. 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' Scaled Net Operating Assets compare to BRK.A and AIG?
BaoViet Holdings' Scaled Net Operating Assets of -0.38 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for an Insurance company?
A good Scaled Net Operating Assets depends on the Insurance industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on BaoViet Holdings and its competitors. BaoViet Holdings's current Scaled Net Operating Assets is -0.38. 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 Scaled Net Operating Assets is -0.38. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For BaoViet Holdings (STC:BVH), the current Scaled Net Operating Assets is -0.38 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 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:

  • Scaled Net Operating Assets: -0.38
  • GF Value™: ₫44,024.91 vs. price of ₫60,000.00 (36.3% above fair value)
  • GF Score™: 71/100 with 3 warning signs

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 Business Description

Address 72 Tran Hung Dao Street, Tran Hung Dao Ward, Hoan Kiem District, Ha Noi, VNM
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

Get the complete analysis for STC:BVH

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫60,000.00
Price
₫44,024.91
GF Value