BID.VN
Unloved QualityJoint Stock Commercial Bank for Investment and Development of Vietnam · Financial Services · Vietnam · $9.8B cap · $4.4M/day traded
VND 32,250 +0.0% · close 6 Nov · scored 7 Nov
Unloved Quality: Strong and cheap, but the market has not warmed to it.
As of 7 Nov 2026, the MoatMap Score for Joint Stock Commercial Bank for Investment and Development of Vietnam (BID.VN) is 45/100, ranked against 25,000+ stocks in 38 markets (Quality 58, Value 54, Momentum 27, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT JOINT STOCK COMMERCIAL BANK FOR INVESTMENT AND DEVELOPMENT OF VIETNAM
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Joint Stock Commercial Bank for Investment and Development of Vietnam, together with its subsidiaries, provides various banking products and services in Vietnam and internationally.
FINANCIAL SUMMARY (VND)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 64.8T | 70.1T | 74.9T | 77.4T | 6.1% | 71.6T | 85.2T | 98.4T | 12.8% |
| EPS (VND) | 2,088 | 2,999 | 3,008 | 3,532 | 19.2% | 4,454 | 3,942 | 4,365 | 11.2% |
| Shares | 7.4B | 7.4B | 7.4B | 7.5B | +1.8% | 7.8B | — | — | — |
| Debt | 210.5T | 240.0T | 238.2T | 262.9T | 7.7% | 159.3T | — | — | — |
| Equity | 99.4T | 117.9T | 139.7T | 168.0T | 19.1% | — | — | — | — |
| Op CF | 132.5T | -71.0T | 98.8T | 193.0T | 13.3% | -182.4T | — | — | — |
| Inv CF | -917.9B | -1.8T | -1.1T | -1.6T | — | — | — | — | — |
| Fin CF | 757.1B | -119.7B | 2.3T | 14.3T | — | — | — | — | — |
Made a new 52-week low 3 trading days ago, 38% below its 52-week high. The fall has not stopped yet.
Calmer than 70% of stocks we rank over the past year (volatility 31% a year).
How this is worked out
The MoatMap Score weighs the business, its price and its trend. The price check reads only the chart: the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of BID.VN are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| BID.VN | Joint Stock Commercial Bank for Investment and Development of Vietnam(you) | $9.8B | 45 |
| VCB.VN | Joint Stock Commercial Bank for Foreign Trade of Vietnam | $17.6B | 43 |
| CTG.VN | Vietnam Joint Stock Commercial Bank for Industry and Trade | $9.6B | 67 |
| LPB.VN | Fortune Vietnam Joint Stock Commercial Bank | $4.2B | 55 |
| STB.VN | Saigon Treasure Commercial Joint Stock Bank | $5.1B | 30 |
| TCB.VN | Vietnam Technological and Commercial Joint Stock Bank | $9.1B | 80 |
| VPB.VN | Vietnam Prosperity Joint Stock Commercial Bank | $8.5B | 79 |
| SSB.VN | Southeast Asia Commercial Joint Stock Bank | $2.0B | 37 |
| MBB.VN | Military Commercial Joint Stock Bank | $7.6B | 81 |
| ACB.VN | Asia Commercial Joint Stock Bank | $4.6B | 84 |
Peer medians: ROE 12.6% · P/E 10.9x · Gross margin 83.4%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.