Vietnam Technological and Commercial Joint Stock bank (STC:TCB) Cash-to-Debt: (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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.
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Charlie Tian
Founder & CEO of GuruFocus
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.

STC:TCB Vietnam Technological and Commercial Joint Stock bank STC:TCB
80 GF Score
Price ₫31,600.00
GF Value ₫32,548.35
Valuation Fairly Valued
! 3 Warning Signs
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What is Vietnam Technological and Commercial Joint Stock bank Cash-to-Debt?

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 Technological and Commercial Joint Stock bank's cash to debt ratio for the quarter that ended in Mar. 2026 was .

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 Technological and Commercial Joint Stock bank couldn't pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.

The historical rank and industry rank for Vietnam Technological and Commercial Joint Stock bank's Cash-to-Debt or its related term are showing as below:

STC:TCB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.47   Med: 0.65   Max: 2.15
Current: 0.6

During the past 12 years, Vietnam Technological and Commercial Joint Stock bank's highest Cash to Debt Ratio was 2.15. The lowest was 0.47. And the median was 0.65.

STC:TCB's Cash-to-Debt is ranked worse than
71.09% of 1491 companies
in the Banks industry
Industry Median: 1.37 vs STC:TCB: 0.60

Vietnam Technological and Commercial Joint Stock bank  (STC:TCB) 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 Technological and Commercial Joint Stock bank Cash-to-Debt Related Terms

Vietnam Technological and Commercial Joint Stock bank Cash-to-Debt Historical Data

* Premium members only.

The historical data trend for Vietnam Technological and Commercial Joint Stock bank's Cash-to-Debt 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.

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 Technological and Commercial Joint Stock bank Cash-to-Debt Chart

Vietnam Technological and Commercial Joint Stock bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cash-to-Debt
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Vietnam Technological and Commercial Joint Stock bank Quarterly Data
Mar17 Sep17 Dec17 Mar18 Sep18 Mar19 Sep19 Mar20 Sep20 Mar21 Sep21 Mar22 Sep22 Mar23 Sep23 Mar24 Sep24 Mar25 Sep25 Mar26
Cash-to-Debt 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 - - - - -

Vietnam Technological and Commercial Joint Stock bank Cash-to-Debt Competitor Comparison

For the Banks - Regional subindustry, Vietnam Technological and 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 Technological and Commercial Joint Stock bank Cash-to-Debt vs Banks Industry

For the Banks industry and Financial Services sector, Vietnam Technological and Commercial Joint Stock bank's Cash-to-Debt distribution charts can be found below:

* The bar in red indicates where Vietnam Technological and Commercial Joint Stock bank's Cash-to-Debt falls into.


STC:TCB
80GF Score
Vietnam Technological and Commercial Joint Stock bank STC:TCB
Cash-to-Debt is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Vietnam Technological and Commercial Joint Stock bank Cash-to-Debt Calculation

This is the ratio of a company's Balance Sheet Cash And Cash Equivalents to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

Vietnam Technological and Commercial Joint Stock bank's Cash to Debt Ratio for the fiscal year that ended in Dec. 2025 is calculated as:

Cash to Debt Ratio= Balance Sheet Cash And Cash Equivalents / Total Debt
= Balance Sheet Cash And Cash Equivalents / (Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation)
=86523593 / (54393051 + 313561965)
=0.24

Vietnam Technological and Commercial Joint Stock bank's Cash to Debt Ratio for the quarter that ended in Mar. 2026 is calculated as:

Cash to Debt Ratio= Balance Sheet Cash And Cash Equivalents / Total Debt
= Balance Sheet Cash And Cash Equivalents / (Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation)
=98475058 / (56693509 + 320903904)
=0.26

* 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.

Is Vietnam Technological and Commercial Joint Stock bank (STC:TCB) Overvalued in 2026?

Based on GuruFocus' analysis, Vietnam Technological and Commercial Joint Stock bank stock appears to be undervalued. The current stock price of ₫31,600.00 is trading 2.9% below its estimated GF Value™ of ₫32,548.35. GuruFocus considers Vietnam Technological and Commercial Joint Stock bank to be Fairly Valued.

Key valuation signals for STC:TCB:

  • Cash-to-Debt:
  • GF Value™: ₫32,548.35 vs. price of ₫31,600.00 (2.9% below fair value)
  • GF Score™: 80/100 with 3 warning signs

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

Vietnam Technological and Commercial Joint Stock bank Business Description

Address 06 Quang Trung, Techcombank Tower, Cua Nam Ward, Hanoi, VNM
Vietnam Technological and Commercial Joint Stock bank The principal activities of the Bank are mobilizing and receiving short, medium and long-term deposit funds from organizations and individuals; lending on short, medium and long-term basis; conducting settlement and cash services and other banking services as approved by the SBV; conducting investments in subsidiaries, associates, joint-ventures and other companies; conducting investments in bonds and dealing in foreign exchange as per regulations.
80GF Score

Get the complete analysis for STC:TCB

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

₫31,600.00
Price
₫32,548.35
GF Value