Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) Net Loan: ₫608,138,825 Mil (As of Mar. 2026)

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STC:HDB Ho Chi Minh City Development Joint Stock Commercial Bank STC:HDB
74 GF Score
Price ₫27,250.00
GF Value ₫23,859.21
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Ho Chi Minh City Development Joint Stock Commercial Bank Net Loan?

Ho Chi Minh City Development Joint Stock Commercial Bank STC:HDB +0.37% 74 Net Loan is ₫608,138,825 Mil as of Mar. 2026. GuruFocus rates STC:HDB with a GF Score™ of 74/100 and a GF Value™ of ₫23,859.21 (Modestly Overvalued). The stock has 3 warning signs investors should review.

Ho Chi Minh City Development Joint Stock Commercial Bank's quarterly net loan increased from Sep. 2025 (₫495,948,269 Mil) to Dec. 2025 (₫566,812,001 Mil) and increased from Dec. 2025 (₫566,812,001 Mil) to Mar. 2026 (₫608,138,825 Mil).

Ho Chi Minh City Development Joint Stock Commercial Bank's annual net loan increased from Dec. 2023 (₫347,547,053 Mil) to Dec. 2024 (₫566,812,001 Mil) and increased from Dec. 2024 (₫566,812,001 Mil) to Dec. 2025 (₫608,138,825 Mil).

Ho Chi Minh City Development Joint Stock Commercial Bank Net Loan Historical Data

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The historical data trend for Ho Chi Minh City Development Joint Stock Commercial Bank's Net Loan 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.

Ho Chi Minh City Development Joint Stock Commercial Bank Net Loan Chart

Ho Chi Minh City Development Joint Stock Commercial Bank Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial 200,372,118.00 269,127,123.00 347,547,053.00 443,732,519.00 566,812,001.00

Ho Chi Minh City Development Joint Stock Commercial Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 449,118,953.00 510,016,302.00 495,948,269.00 566,812,001.00 608,138,825.00
STC:HDB
74GF Score
Ho Chi Minh City Development Joint Stock Commercial Bank STC:HDB
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Ho Chi Minh City Development Joint Stock Commercial Bank Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of ₫608,138,825 Mil mean?
Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) has a Net Loan of ₫608,138,825 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Ho Chi Minh City Development Joint Stock Commercial Bank and its competitors.
Is Ho Chi Minh City Development Joint Stock Commercial Bank's Net Loan too high?
Ho Chi Minh City Development Joint Stock Commercial Bank's current Net Loan is ₫608,138,825 Mil. Overall, Ho Chi Minh City Development Joint Stock Commercial Bank has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ho Chi Minh City Development Joint Stock Commercial Bank's Net Loan compare to competitors?
Ho Chi Minh City Development Joint Stock Commercial Bank's Net Loan of ₫608,138,825 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan 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 Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Ho Chi Minh City Development Joint Stock Commercial Bank and its competitors. Ho Chi Minh City Development Joint Stock Commercial Bank's current Net Loan is ₫608,138,825 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ho Chi Minh City Development Joint Stock Commercial Bank stock overvalued right now?
Based on GuruFocus' analysis, Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) is currently considered Modestly Overvalued. The stock's GF Value™ is ₫23,859.21, compared to a current price of ₫27,250.00 — trading 14.2% above its estimated fair value. The current Net Loan is ₫608,138,825 Mil. Ho Chi Minh City Development Joint Stock Commercial Bank's overall GF Score™ is 74/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB), the current Net Loan is ₫608,138,825 Mil 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 Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) Overvalued in 2026?

Based on GuruFocus' analysis, Ho Chi Minh City Development Joint Stock Commercial Bank stock appears to be overvalued. The current stock price of ₫27,250.00 is trading 14.2% above its estimated GF Value™ of ₫23,859.21. GuruFocus considers Ho Chi Minh City Development Joint Stock Commercial Bank to be Modestly Overvalued.

Key valuation signals for STC:HDB:

  • Net Loan: ₫608,138,825 Mil
  • GF Value™: ₫23,859.21 vs. price of ₫27,250.00 (14.2% above fair value)
  • GF Score™: 74/100 with 3 warning signs

No single metric tells the full story. See the STC:HDB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Ho Chi Minh City Development Joint Stock Commercial Bank Business Description

Address No. 25 Bis Nguyen Thi Minh Khai Street, Ben Nghe Ward, District 1, Ho Chi Minh, VNM
Ho Chi Minh City Development Joint Stock Commercial Bank is a Vietnamese commercial bank providing personal and commercial banking services to retail customers, corporations, and investors.
74GF Score

Get the complete analysis for STC:HDB

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

₫27,250.00
Price
₫23,859.21
GF Value