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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. Vietnam Maritime Commercial Joint Stock Bank's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.88.
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, Vietnam Maritime Commercial Joint Stock Bankcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) 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.
Vietnam Maritime Commercial Joint Stock Bank Cash-to-Debt Related Terms
Vietnam Maritime 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.
Vietnam Maritime Commercial Joint Stock Bank Cash-to-Debt Chart
Vietnam Maritime Commercial Joint Stock Bank Annual Data
Vietnam Maritime Commercial Joint Stock Bank Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, Vietnam Maritime 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.
Vietnam Maritime Commercial Joint Stock Bank Cash-to-Debt vs Banks Industry
* 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.
Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) has a Cash-to-Debt of 0.88 as of Jun. 2026. This is near median its historical median of 0.92. Over the past decade, Vietnam Maritime Commercial Joint Stock Bank's Cash-to-Debt has ranged from 0.56 to 2.03. According to the industry distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #920 out of 1486 companies in the Banks industry, placing it in the top 61.9%.
Is Vietnam Maritime Commercial Joint Stock Bank's Cash-to-Debt too high?
Vietnam Maritime Commercial Joint Stock Bank's current Cash-to-Debt of 0.88 is near median its 10-year median of 0.92. Over the past 10 years, this metric has ranged from a low of 0.56 to a high of 2.03. The Banks industry median Cash-to-Debt is 1.41. Vietnam Maritime Commercial Joint Stock Bank's value of 0.88 is 37.6% below this industry median. Based on the distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #920 out of 1486 companies in the Banks industry, which is below the industry midpoint. Overall, Vietnam Maritime Commercial Joint Stock Bank has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Vietnam Maritime Commercial Joint Stock Bank's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #920 out of 1486 companies for Cash-to-Debt. This places Vietnam Maritime Commercial Joint Stock Bank in the lower half of its industry. The industry median Cash-to-Debt is 1.41. Vietnam Maritime Commercial Joint Stock Bank's value of 0.88 is 37.6% below this benchmark. Historically, Vietnam Maritime Commercial Joint Stock Bank's own Cash-to-Debt has ranged from 0.56 to 2.03 over the past decade. While the company's 10-year median is 0.92 vs. the industry median of 1.41, Vietnam Maritime 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 1.41, 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. Vietnam Maritime Commercial Joint Stock Bank's current Cash-to-Debt of 0.88 is 37.6% 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 1.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vietnam Maritime Commercial Joint Stock Bank's current Cash-to-Debt is 0.88, which is near median its own 10-year median of 0.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vietnam Maritime Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₫9,286.21, compared to a current price of ₫13,350.00 — trading 43.8% above its estimated fair value. The current Cash-to-Debt is 0.88, which is near median its 10-year median of 0.92 and 37.6% below the Banks industry median of 1.41. Vietnam Maritime Commercial Joint Stock Bank's overall GF Score™ is 62/100 with 7 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 Vietnam Maritime Commercial Joint Stock Bank (STC:MSB), the current Cash-to-Debt is 0.88 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 Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) Overvalued in 2026?
Based on GuruFocus' analysis, Vietnam Maritime Commercial Joint Stock Bank stock appears to be overvalued.
The current stock price of ₫13,350.00 is trading 43.8% above its estimated GF Value™ of ₫9,286.21.
GuruFocus considers Vietnam Maritime Commercial Joint Stock Bank to be Significantly Overvalued.
Key valuation signals for STC:MSB:
Cash-to-Debt: 0.88 (near median its 10-year median of 0.92)
GF Value™: ₫9,286.21 vs. price of ₫13,350.00 (43.8% above fair value)
Industry Position: 37.6% below the Banks median (#920 of 1486)
No single metric tells the full story. See the STC:MSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vietnam Maritime Commercial Joint Stock Bank is engaged in providing banking and related services including mobilizing and receiving short, medium and long-term deposits from organizations and individuals; making short, medium and long-term loans to organizations and individuals based on the nature and capability of the Bank's capital; conducting foreign exchange transactions; international trade finance services; discounting of commercial papers, bonds and other valuable papers; conducting payments and treasury services; performing capital contributions, share purchases, securities investments and other banking services. The company provides Savings, Retail Loan products, Insurance, Card Products, Payment services, E-Banking services, and other banking services.
62GF Score
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