Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Military Commercial Joint Stock Bank's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.56.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Military Commercial Joint Stock Bankcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
Military Commercial Joint Stock Bank (STC:MBB) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Military Commercial Joint Stock Bank Cash-to-Debt Related Terms
Military Commercial Joint Stock Bank Cash-to-Debt Historical Data
* 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
Military Commercial Joint Stock Bank Cash-to-Debt Chart
Military Commercial Joint Stock Bank Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, Military Commercial Joint Stock Bank's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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.
Military Commercial Joint Stock Bank Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Military Commercial Joint Stock Bank's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Military Commercial Joint Stock Bank's Cash-to-Debt 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.
Military Commercial Joint Stock Bank (STC:MBB) has a Cash-to-Debt of 0.56 as of Jun. 2026. This is 28% below median its historical median of 0.78. Over the past decade, Military Commercial Joint Stock Bank's Cash-to-Debt has ranged from 0.31 to 2.94. According to the industry distribution chart, Military Commercial Joint Stock Bank ranks #1080 out of 1486 companies in the Banks industry, placing it in the top 72.7%.
Is Military Commercial Joint Stock Bank's Cash-to-Debt too high?
Military Commercial Joint Stock Bank's current Cash-to-Debt of 0.56 is 28% below median its 10-year median of 0.78. Over the past 10 years, this metric has ranged from a low of 0.31 to a high of 2.94. The Banks industry median Cash-to-Debt is 1.40. Military Commercial Joint Stock Bank's value of 0.56 is 60% below this industry median. Based on the distribution chart, Military Commercial Joint Stock Bank ranks #1080 out of 1486 companies in the Banks industry, which is below the industry midpoint. Overall, Military Commercial Joint Stock Bank has a GF Score™ of 83/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Military Commercial Joint Stock Bank's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Military Commercial Joint Stock Bank ranks #1080 out of 1486 companies for Cash-to-Debt. This places Military Commercial Joint Stock Bank in the lower half of its industry. The industry median Cash-to-Debt is 1.40. Military Commercial Joint Stock Bank's value of 0.56 is 60% below this benchmark. Historically, Military Commercial Joint Stock Bank's own Cash-to-Debt has ranged from 0.31 to 2.94 over the past decade. While the company's 10-year median is 0.78 vs. the industry median of 1.40, Military Commercial Joint Stock Bank has consistently been below 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 Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,486 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Military Commercial Joint Stock Bank's current Cash-to-Debt of 0.56 is 60% below 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Military Commercial Joint Stock Bank's current Cash-to-Debt is 0.56, which is 28% below median its own 10-year median of 0.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Military Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Military Commercial Joint Stock Bank (STC:MBB) is currently considered Fairly Valued. The stock's GF Value™ is ₫22,379.96, compared to a current price of ₫21,050.00 — trading 5.9% below its estimated fair value. The current Cash-to-Debt is 0.56, which is 28% below median its 10-year median of 0.78 and 60% below the Banks industry median of 1.40. Military Commercial Joint Stock Bank's overall GF Score™ is 83/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Military Commercial Joint Stock Bank (STC:MBB), the current Cash-to-Debt is 0.56 as of Jun. 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 Military Commercial Joint Stock Bank (STC:MBB) Overvalued in 2026?
Based on GuruFocus' analysis, Military Commercial Joint Stock Bank stock appears to be undervalued.
The current stock price of ₫21,050.00 is trading 5.9% below its estimated GF Value™ of ₫22,379.96.
GuruFocus considers Military Commercial Joint Stock Bank to be Fairly Valued.
Key valuation signals for STC:MBB:
Cash-to-Debt: 0.56 (28% below median its 10-year median of 0.78)
GF Value™: ₫22,379.96 vs. price of ₫21,050.00 (5.9% below fair value)
Industry Position: 60% below the Banks median (#1080 of 1486)
No single metric tells the full story. See the STC:MBB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Military Commercial Joint Stock Bank provides personal and corporate banking services in Vietnam. The company is engaged in mobilizing and receiving short. medium and long-term deposit funds from organizations and individuals; lending on a short, medium and long-term; conducting settlement and cash services and other banking services as approved by the SBV; making capital contributions. Its operating segment includes Banking and Finance; Securities - Fund Management; Insurance and Debt collection - Asset management. The company generates maximum revenue from Banking and Finance segment.
83GF Score
Get the complete analysis for STC:MBB
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STC:MBB has been successfully added to your 
