Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) Cyclically Adjusted FCF per Share: ₫7,025.02 (As of Mar. 2026)


STC:CTG Viet Nam Joint Stock Commercial Bank For Industry And Trade STC:CTG
84 GF Score
Price ₫34,150.00
GF Value ₫32,081.46
Valuation Fairly Valued
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What is Viet Nam Joint Stock Commercial Bank For Industry And Trade Cyclically Adjusted FCF per Share?

Viet Nam Joint Stock Commercial Bank For Industry And Trade STC:CTG 84 Cyclically Adjusted FCF per Share is ₫7,025.02 as of Mar. 2026. GuruFocus rates STC:CTG with a GF Score™ of 84/100 and a GF Value™ of ₫32,081.46 (Fairly Valued).

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Viet Nam Joint Stock Commercial Bank For Industry And Trade's adjusted free cash flow per share for the three months ended in Mar. 2026 was ₫16,368.968. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is ₫7,025.02 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Viet Nam Joint Stock Commercial Bank For Industry And Trade's average Cyclically Adjusted FCF Growth Rate was 57.30% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 28.60% 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 Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Viet Nam Joint Stock Commercial Bank For Industry And Trade was 58.60% per year. The lowest was 28.60% per year. And the median was 43.60% per year.

As of today (2026-07-07), Viet Nam Joint Stock Commercial Bank For Industry And Trade's current stock price is ₫34150.00. Viet Nam Joint Stock Commercial Bank For Industry And Trade's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was ₫7,025.02. Viet Nam Joint Stock Commercial Bank For Industry And Trade's Cyclically Adjusted Price-to-FCF of today is 4.86.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Viet Nam Joint Stock Commercial Bank For Industry And Trade was 33.05. The lowest was 4.75. And the median was 6.81.


Viet Nam Joint Stock Commercial Bank For Industry And Trade  (STC:CTG) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Viet Nam Joint Stock Commercial Bank For Industry And Trade's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=34150.00/7025.02
=4.86

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Viet Nam Joint Stock Commercial Bank For Industry And Trade was 33.05. The lowest was 4.75. And the median was 6.81.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Viet Nam Joint Stock Commercial Bank For Industry And Trade Cyclically Adjusted FCF per Share Related Terms


Viet Nam Joint Stock Commercial Bank For Industry And Trade Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Viet Nam Joint Stock Commercial Bank For Industry And Trade's Cyclically Adjusted FCF per Share 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.

Viet Nam Joint Stock Commercial Bank For Industry And Trade Cyclically Adjusted FCF per Share Chart

Viet Nam Joint Stock Commercial Bank For Industry And Trade Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,053.25 2,542.09 3,065.99 4,201.69 5,407.42

Viet Nam Joint Stock Commercial Bank For Industry And Trade Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share 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 4,466.15 4,704.66 5,560.40 5,407.42 7,025.02

Viet Nam Joint Stock Commercial Bank For Industry And Trade Cyclically Adjusted FCF per Share Competitor Comparison

For the Banks - Regional subindustry, Viet Nam Joint Stock Commercial Bank For Industry And Trade's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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.


Viet Nam Joint Stock Commercial Bank For Industry And Trade Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Viet Nam Joint Stock Commercial Bank For Industry And Trade's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Viet Nam Joint Stock Commercial Bank For Industry And Trade's Cyclically Adjusted Price-to-FCF falls into.


STC:CTG
84GF Score
Viet Nam Joint Stock Commercial Bank For Industry And Trade STC:CTG
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Viet Nam Joint Stock Commercial Bank For Industry And Trade Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Viet Nam Joint Stock Commercial Bank For Industry And Trade's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=16368.968/330.2130*330.2130
=16,368.968

Current CPI (Mar. 2026) = 330.2130.

Viet Nam Joint Stock Commercial Bank For Industry And Trade Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 2,038.535 241.018 2,792.948
201609 1,658.433 241.428 2,268.321
201612 -382.975 241.432 -523.805
201703 120.836 243.801 163.665
201706 1,689.543 244.955 2,277.598
201709 -781.002 246.819 -1,044.883
201712 1,823.604 246.524 2,442.674
201803 -1,605.396 249.554 -2,124.280
201806 -1,868.211 251.989 -2,448.153
201809 3,786.157 252.439 4,952.635
201812 2,701.214 251.233 3,550.393
201903 -1,201.013 254.202 -1,560.138
201906 887.843 256.143 1,144.584
201909 -356.697 256.759 -458.741
201912 389.571 256.974 500.601
202003 -262.928 258.115 -336.370
202006 -825.017 257.797 -1,056.767
202009 88.397 260.280 112.148
202012 1,917.387 260.474 2,430.746
202103 -1,385.110 264.877 -1,726.769
202106 4,768.532 271.696 5,795.563
202109 -6,953.032 274.310 -8,370.025
202112 4,169.850 278.802 4,938.769
202203 2,098.489 287.504 2,410.222
202206 1,268.274 296.311 1,413.382
202209 2,620.184 296.808 2,915.079
202212 4,807.152 296.797 5,348.383
202303 -1,598.947 301.836 -1,749.271
202306 1,878.435 305.109 2,032.990
202309 2,448.212 307.789 2,626.577
202312 872.358 306.746 939.096
202403 4,656.569 312.332 4,923.157
202406 6,151.342 314.175 6,465.356
202409 2,052.210 315.301 2,149.268
202412 120.994 315.605 126.594
202503 -1,157.002 319.799 -1,194.679
202506 3,426.474 322.561 3,507.759
202509 8,520.381 324.800 8,662.379
202512 -408.051 324.054 -415.806
202603 16,368.968 330.213 16,368.968

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of ₫7,025.02 mean?
Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) has a Cyclically Adjusted FCF per Share of ₫7,025.02 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Viet Nam Joint Stock Commercial Bank For Industry And Trade and its competitors.
Is Viet Nam Joint Stock Commercial Bank For Industry And Trade's Cyclically Adjusted FCF per Share too high?
Viet Nam Joint Stock Commercial Bank For Industry And Trade's current Cyclically Adjusted FCF per Share is ₫7,025.02. Overall, Viet Nam Joint Stock Commercial Bank For Industry And Trade has a GF Score™ of 84/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Viet Nam Joint Stock Commercial Bank For Industry And Trade's Cyclically Adjusted FCF per Share compare to competitors?
Viet Nam Joint Stock Commercial Bank For Industry And Trade's Cyclically Adjusted FCF per Share of ₫7,025.02 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Viet Nam Joint Stock Commercial Bank For Industry And Trade and its competitors. Viet Nam Joint Stock Commercial Bank For Industry And Trade's current Cyclically Adjusted FCF per Share is ₫7,025.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Viet Nam Joint Stock Commercial Bank For Industry And Trade stock overvalued right now?
Based on GuruFocus' analysis, Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) is currently considered Fairly Valued. The stock's GF Value™ is ₫32,081.46, compared to a current price of ₫34,150.00 — trading 6.4% above its estimated fair value. The current Cyclically Adjusted FCF per Share is ₫7,025.02. Viet Nam Joint Stock Commercial Bank For Industry And Trade's overall GF Score™ is 84/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG), the current Cyclically Adjusted FCF per Share is ₫7,025.02 as of Mar. 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) Overvalued in 2026?

Based on GuruFocus' analysis, Viet Nam Joint Stock Commercial Bank For Industry And Trade stock appears to be overvalued. The current stock price of ₫34,150.00 is trading 6.4% above its estimated GF Value™ of ₫32,081.46. GuruFocus considers Viet Nam Joint Stock Commercial Bank For Industry And Trade to be Fairly Valued.

Key valuation signals for STC:CTG:

  • Cyclically Adjusted FCF per Share: ₫7,025.02
  • GF Value™: ₫32,081.46 vs. price of ₫34,150.00 (6.4% above fair value)
  • GF Score™: 84/100

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


Viet Nam Joint Stock Commercial Bank For Industry And Trade Business Description

Address 108 Tran Hung Dao Street, Hoan Kiem District, Hanoi, VNM
Viet Nam Joint Stock Commercial Bank For Industry And Trade is a Vietnam based banking service provider. The company's operating segment include Banking financial services, Non-banking financial services, and Others. It generates maximum revenue from the Banking financial services segment. The company provides banking services including mobilizing and receiving short, medium and long-term deposits from organizations or individuals; making short, medium and long term loans and advances to organizations and individuals; conducting foreign exchange transactions, international trade finance services, discounting of commercial papers, bonds and other valuable papers and other services.
84GF Score

Get the complete analysis for STC:CTG

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫34,150.00
Price
₫32,081.46
GF Value