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. Saigon Treasure Commercial Joint Stock Bank's cash to debt ratio for the quarter that ended in Jun. 2026 was 3.10.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Saigon Treasure Commercial Joint Stock Bankcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
Saigon Treasure Commercial Joint Stock Bank (STC:STB) 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.
Saigon Treasure Commercial Joint Stock Bank Cash-to-Debt Related Terms
Saigon Treasure 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.
Saigon Treasure Commercial Joint Stock Bank Cash-to-Debt Chart
Saigon Treasure Commercial Joint Stock Bank Annual Data
Saigon Treasure Commercial Joint Stock Bank Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, Saigon Treasure 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.
Saigon Treasure 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.
Saigon Treasure Commercial Joint Stock Bank (STC:STB) has a Cash-to-Debt of 3.10 as of Jun. 2026. This is 36% above median its historical median of 2.28. Over the past decade, Saigon Treasure Commercial Joint Stock Bank's Cash-to-Debt has ranged from 1.01 to 4.45. According to the industry distribution chart, Saigon Treasure Commercial Joint Stock Bank ranks #470 out of 1489 companies in the Banks industry, placing it in the top 31.6%.
Is Saigon Treasure Commercial Joint Stock Bank's Cash-to-Debt too high?
Saigon Treasure Commercial Joint Stock Bank's current Cash-to-Debt of 3.10 is 36% above median its 10-year median of 2.28. Over the past 10 years, this metric has ranged from a low of 1.01 to a high of 4.45. The Banks industry median Cash-to-Debt is 1.38. Saigon Treasure Commercial Joint Stock Bank's value of 3.10 is 124.6% above this industry median. Based on the distribution chart, Saigon Treasure Commercial Joint Stock Bank ranks #470 out of 1489 companies in the Banks industry, which is above the industry midpoint. Overall, Saigon Treasure Commercial Joint Stock Bank has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Saigon Treasure Commercial Joint Stock Bank's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Saigon Treasure Commercial Joint Stock Bank ranks #470 out of 1489 companies for Cash-to-Debt. This puts Saigon Treasure Commercial Joint Stock Bank in the upper half of its industry. The industry median Cash-to-Debt is 1.38. Saigon Treasure Commercial Joint Stock Bank's value of 3.10 is 124.6% above this benchmark. Historically, Saigon Treasure Commercial Joint Stock Bank's own Cash-to-Debt has ranged from 1.01 to 4.45 over the past decade. While the company's 10-year median is 2.28 vs. the industry median of 1.38, Saigon Treasure Commercial Joint Stock Bank has consistently been above 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 1.38, based on 1,489 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. Saigon Treasure Commercial Joint Stock Bank's current Cash-to-Debt of 3.10 is 124.6% above 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 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Saigon Treasure Commercial Joint Stock Bank's current Cash-to-Debt is 3.10, which is 36% above median its own 10-year median of 2.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Saigon Treasure Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Saigon Treasure Commercial Joint Stock Bank (STC:STB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₫53,022.50, compared to a current price of ₫74,500.00 — trading 40.5% above its estimated fair value. The current Cash-to-Debt is 3.10, which is 36% above median its 10-year median of 2.28 and 124.6% above the Banks industry median of 1.38. Saigon Treasure Commercial Joint Stock Bank's overall GF Score™ is 70/100 with 5 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 Saigon Treasure Commercial Joint Stock Bank (STC:STB), the current Cash-to-Debt is 3.10 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 Saigon Treasure Commercial Joint Stock Bank (STC:STB) Overvalued in 2026?
Based on GuruFocus' analysis, Saigon Treasure Commercial Joint Stock Bank stock appears to be overvalued.
The current stock price of ₫74,500.00 is trading 40.5% above its estimated GF Value™ of ₫53,022.50.
GuruFocus considers Saigon Treasure Commercial Joint Stock Bank to be Significantly Overvalued.
Key valuation signals for STC:STB:
Cash-to-Debt: 3.10 (36% above median its 10-year median of 2.28)
GF Value™: ₫53,022.50 vs. price of ₫74,500.00 (40.5% above fair value)
Industry Position: 124.6% above the Banks median (#470 of 1489)
No single metric tells the full story. See the STC:STB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Saigon Treasure Commercial Joint Stock Bank is a Vietnam-based company that provides commercial banking services. Its principal activities are to mobilize short, medium, and long-term capital in the form of time deposits, demand deposits, certificates of deposit, receive capital from local and overseas financial institutions, grant short, medium, and long-term loans, investments in associate, joint-ventures, and other companies. The company also provides settlement services to customers, deals in foreign exchange & gold, provides international settlements services, invests in bonds, & offers other banking services. Geographically, the company operates in the Northern Region, the Central Region, and the Southern Region, & the majority of its revenue is generated from the Southern Region.
70GF Score
Get the complete analysis for STC:STB
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:STB has been successfully added to your 
