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During the past 12 months, Loc Phat Vietnam Commercial Joint Stock Bank's average Free Cash Flow per Share Growth Rate was 45.90% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 77.30% per year.
During the past 5 years, the average Free Cash Flow per Share Growth Rate was 42.80% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
During the past 8 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of Loc Phat Vietnam Commercial Joint Stock Bank was 77.30% per year. The lowest was -31.50% per year. And the median was 46.00% per year.
Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) 3-Year FCF Growth Rate Explanation
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
Loc Phat Vietnam Commercial Joint Stock Bank 3-Year FCF Growth Rate Related Terms
Loc Phat Vietnam Commercial Joint Stock Bank 3-Year FCF Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Loc Phat Vietnam Commercial Joint Stock Bank's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF Growth Rate 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.
Loc Phat Vietnam Commercial Joint Stock Bank 3-Year FCF Growth Rate vs Banks Industry
Loc Phat Vietnam Commercial Joint Stock Bank 3-Year FCF Growth Rate Calculation
This is the 3-year average growth rate of Free Cash Flow per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
What does a 3-Year FCF Growth Rate of 77.30% mean?
Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) has a 3-Year FCF Growth Rate of 77.30% as of Jun. 2026. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Loc Phat Vietnam Commercial Joint Stock Bank and its competitors. This is 68% above median its historical median of 46.00. According to the industry distribution chart, Loc Phat Vietnam Commercial Joint Stock Bank ranks #59 out of 1046 companies in the Banks industry, placing it in the top 5.6%.
Is Loc Phat Vietnam Commercial Joint Stock Bank's 3-Year FCF Growth Rate too high?
Loc Phat Vietnam Commercial Joint Stock Bank's current 3-Year FCF Growth Rate of 77.30% is 68% above median its 10-year median of 46.00. The Banks industry median 3-Year FCF Growth Rate is 0.45. Loc Phat Vietnam Commercial Joint Stock Bank's value of 77.30% is 17077.8% above this industry median. Based on the distribution chart, Loc Phat Vietnam Commercial Joint Stock Bank ranks #59 out of 1046 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Loc Phat Vietnam Commercial Joint Stock Bank has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Loc Phat Vietnam Commercial Joint Stock Bank's 3-Year FCF Growth Rate compare to competitors?
According to the Banks industry distribution chart, Loc Phat Vietnam Commercial Joint Stock Bank ranks #59 out of 1046 companies for 3-Year FCF Growth Rate. This places Loc Phat Vietnam Commercial Joint Stock Bank in the top 6% of its industry — outperforming the majority of peers. The industry median 3-Year FCF Growth Rate is 0.45. Loc Phat Vietnam Commercial Joint Stock Bank's value of 77.30% is 17077.8% above this benchmark. While the company's 10-year median is 46.00 vs. the industry median of 0.45, Loc Phat Vietnam 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 3-Year FCF Growth Rate for a Banks company?
The median 3-Year FCF Growth Rate among Banks companies is 0.45, based on 1,046 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Loc Phat Vietnam Commercial Joint Stock Bank's current 3-Year FCF Growth Rate of 77.30% is 17077.8% 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 3-Year FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Loc Phat Vietnam Commercial Joint Stock Bank and its competitors. For the Banks industry, the median 3-Year FCF Growth Rate is 0.45 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Loc Phat Vietnam Commercial Joint Stock Bank's current 3-Year FCF Growth Rate is 77.30%, which is 68% above median its own 10-year median of 46.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Loc Phat Vietnam Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) is currently considered Modestly Overvalued. The stock's GF Value™ is ₫37,467.45, compared to a current price of ₫48,800.00 — trading 30.2% above its estimated fair value. The current 3-Year FCF Growth Rate is 77.30%, which is 68% above median its 10-year median of 46.00 and 17077.8% above the Banks industry median of 0.45. Loc Phat Vietnam Commercial Joint Stock Bank's overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB), the current 3-Year FCF Growth Rate is 77.30% 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 Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) Overvalued in 2026?
Based on GuruFocus' analysis, Loc Phat Vietnam Commercial Joint Stock Bank stock appears to be overvalued.
The current stock price of ₫48,800.00 is trading 30.2% above its estimated GF Value™ of ₫37,467.45.
GuruFocus considers Loc Phat Vietnam Commercial Joint Stock Bank to be Modestly Overvalued.
Key valuation signals for STC:LPB:
3-Year FCF Growth Rate: 77.30% (68% above median its 10-year median of 46.00)
GF Value™: ₫37,467.45 vs. price of ₫48,800.00 (30.2% above fair value)
Industry Position: 17077.8% above the Banks median (#59 of 1046)
No single metric tells the full story. See the STC:LPB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Loc Phat Vietnam Commercial Joint Stock Bank is a financial institution in Vietnam operating with the mission of providing comprehensive financial solutions for individual customers, businesses, and partners. Its offerings include Payment accounts, Cards, savings, loans, International money transfer, Insurance, and other services.
67GF Score
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