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BID
BanksNgân hàng Thương mại Cổ phần Đầu tư và Phát triển Việt Nam
Ngân hàngNH
39.850
VND · Last close
Valuation Verdict
Fairly Valued
-120%Fair Value+120%
Intrinsic Value
40.273
Current
39.850
Gap
+1.1%
ModelPB ROE REGRESSION
Valuation Breakdown
NH→Bank
Classified as bank because company type is NH (commercial bank)
ModelP/B x ROE Regression
Intrinsic Value = Fair P/B x Book Value Per ShareEstimates fair value by finding the statistical relationship between how much investors pay for a bank's book value (P/B) and how efficiently it generates returns (ROE). A bank that earns more on its equity deserves a higher price-to-book multiple. We regress P/B against ROE, NIM, and cost efficiency across all listed Vietnamese banks to find where this bank should trade.
1
Model Inputs
Avg ROE→19.14%
Regression type→soe_peer_median_tilt
R²→0.0000
Fallback→Peer median
2
Valuation
Fair P/B
1.68x
x
BVPS
23.933
=
Intrinsic Value
40.273
Valuation Track Record
Retroactive intrinsic value vs actual close price — BID
Earnings Quality
Fiscal year 2025
72
Good
Accrual Quality
87Cash Conversion
100Margin Stability
99Revenue Quality
0Quantitative Scores
F-Score
3/9
Weak
Sharpe
0.46
Positive
Composite
68
Fair
Price Risk
Momentum
+28.5%
Volatility
38.3%
Max Drawdown
-21.6%
Key Ratios
Fiscal year 2025
1.67P/B
P/E9.34
ROE19.1%
ROA1.0%
EPS4266.55
BVPS23933.44
Net Margin47.3%
Rev Growth12.1%
Profit Growth19.2%
Div Yield0.0%
Company Overview
Issued Shares
7021.4M
Charter Capital
72800.7B VND
Sector (ICB L2)
Ngân hàng
Industry (ICB L3)
Ngân hàng
Sub-industry
Ngân hàng
Company Type
NH
// OWNERSHIP_NETWORK
> mapping common ownership for BID — hover nodes for intel, click to navigate
Computed 12/04/2026