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During the past 12 months, Southeast Asia Commercial Joint Stock Bank's average Free Cash Flow per Share Growth Rate was -77.90% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 58.60% 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 Southeast Asia Commercial Joint Stock Bank was 58.60% per year. The lowest was -272.60% per year. And the median was 22.60% per year.
Southeast Asia Commercial Joint Stock Bank (STC:SSB) 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) %.
Southeast Asia Commercial Joint Stock Bank 3-Year FCF Growth Rate Related Terms
Southeast Asia Commercial Joint Stock Bank 3-Year FCF Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Southeast Asia 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.
Southeast Asia Commercial Joint Stock Bank 3-Year FCF Growth Rate vs Banks Industry
Southeast Asia 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 58.60% mean?
Southeast Asia Commercial Joint Stock Bank (STC:SSB) has a 3-Year FCF Growth Rate of 58.60% 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 Southeast Asia Commercial Joint Stock Bank and its competitors. This is 159% above median its historical median of 22.60. According to the industry distribution chart, Southeast Asia Commercial Joint Stock Bank ranks #90 out of 1043 companies in the Banks industry, placing it in the top 8.6%.
Is Southeast Asia Commercial Joint Stock Bank's 3-Year FCF Growth Rate too high?
Southeast Asia Commercial Joint Stock Bank's current 3-Year FCF Growth Rate of 58.60% is 159% above median its 10-year median of 22.60. The Banks industry median 3-Year FCF Growth Rate is 0.40. Southeast Asia Commercial Joint Stock Bank's value of 58.60% is 14550% above this industry median. Based on the distribution chart, Southeast Asia Commercial Joint Stock Bank ranks #90 out of 1043 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Southeast Asia Commercial Joint Stock Bank has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southeast Asia Commercial Joint Stock Bank's 3-Year FCF Growth Rate compare to competitors?
According to the Banks industry distribution chart, Southeast Asia Commercial Joint Stock Bank ranks #90 out of 1043 companies for 3-Year FCF Growth Rate. This places Southeast Asia Commercial Joint Stock Bank in the top 9% of its industry — outperforming the majority of peers. The industry median 3-Year FCF Growth Rate is 0.40. Southeast Asia Commercial Joint Stock Bank's value of 58.60% is 14550% above this benchmark. While the company's 10-year median is 22.60 vs. the industry median of 0.40, Southeast Asia 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 0.40, based on 1,043 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. Southeast Asia Commercial Joint Stock Bank's current 3-Year FCF Growth Rate of 58.60% is 14550% 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 Southeast Asia Commercial Joint Stock Bank and its competitors. For the Banks industry, the median 3-Year FCF Growth Rate is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southeast Asia Commercial Joint Stock Bank's current 3-Year FCF Growth Rate is 58.60%, which is 159% above median its own 10-year median of 22.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southeast Asia Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Southeast Asia Commercial Joint Stock Bank (STC:SSB) is currently considered Modestly Overvalued. The stock's GF Value™ is ₫14,274.92, compared to a current price of ₫18,300.00 — trading 28.2% above its estimated fair value. The current 3-Year FCF Growth Rate is 58.60%, which is 159% above median its 10-year median of 22.60 and 14550% above the Banks industry median of 0.40. Southeast Asia Commercial Joint Stock Bank's overall GF Score™ is 59/100 with 5 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 Southeast Asia Commercial Joint Stock Bank (STC:SSB), the current 3-Year FCF Growth Rate is 58.60% 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 Southeast Asia Commercial Joint Stock Bank (STC:SSB) Overvalued in 2026?
Based on GuruFocus' analysis, Southeast Asia Commercial Joint Stock Bank stock appears to be overvalued.
The current stock price of ₫18,300.00 is trading 28.2% above its estimated GF Value™ of ₫14,274.92.
GuruFocus considers Southeast Asia Commercial Joint Stock Bank to be Modestly Overvalued.
Key valuation signals for STC:SSB:
3-Year FCF Growth Rate: 58.60% (159% above median its 10-year median of 22.60)
GF Value™: ₫14,274.92 vs. price of ₫18,300.00 (28.2% above fair value)
Industry Position: 14550% above the Banks median (#90 of 1043)
No single metric tells the full story. See the STC:SSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Southeast Asia Commercial Joint Stock Bank is engaged in mobilizing and receiving short, medium and long-term deposits from organizations and individuals; to grant short, medium and long-term loans to organizations and individuals; to provide settlement services, treasury services and other banking services; to invest in other entities and in bonds; and to trade foreign currencies in accordance with the laws and regulations. Its segments include Banking activities include products and services provided to customers include mobilising deposits; providing credit; settlement services via accounts and other banking activities; Finance company activities include consumer lending and other financial activities; and Debt management and asset exploitation activities.
59GF Score
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