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VietCredit Finance JSCHSTC:TIN +3.21%28 Debt-to-Equity is 4.83 as of Mar. 2026, which is 49% above its 10-year median of 3.25. GuruFocus rates HSTC:TIN with a GF Score™ of 28/100. The stock has 1 warning sign investors should review. Among 1,417 Banks companies, VietCredit Finance JSC ranks worse than 96.54% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for VietCredit Finance JSC's Debt-to-Equity or its related term are showing as below:
HSTC:TIN'
s Debt-to-Equity Range Over the Past 10 Years
Min: 2.58 Med: 3.25 Max: 4.91
Current: 4.83
During the past 2 years, the highest Debt-to-Equity Ratio of VietCredit Finance JSC was 4.91. The lowest was 2.58. And the median was 3.25.
HSTC:TIN's Debt-to-Equity is ranked worse than 96.54% of 1417
companies
in the Banks industry
Industry Median: 0.58
vs HSTC:TIN: 4.83
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
VietCredit Finance JSC Debt-to-Equity Related Terms
VietCredit Finance JSC Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for VietCredit Finance JSC's Debt-to-Equity 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.
For the Banks - Regional subindustry, VietCredit Finance JSC's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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.
VietCredit Finance JSC Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, VietCredit Finance JSC's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where VietCredit Finance JSC's Debt-to-Equity falls into.
* 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.
VietCredit Finance JSC (HSTC:TIN) has a Debt-to-Equity of 4.83 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on VietCredit Finance JSC and its competitors. This is 49% above median its historical median of 3.25. Over the past decade, VietCredit Finance JSC's Debt-to-Equity has ranged from 2.58 to 4.91. According to the industry distribution chart, VietCredit Finance JSC ranks #1368 out of 1417 companies in the Banks industry, placing it in the top 96.5%.
Is VietCredit Finance JSC's Debt-to-Equity too high?
VietCredit Finance JSC's current Debt-to-Equity of 4.83 is 49% above median its 10-year median of 3.25. Over the past 10 years, this metric has ranged from a low of 2.58 to a high of 4.91. The Banks industry median Debt-to-Equity is 0.58. VietCredit Finance JSC's value of 4.83 is 732.8% above this industry median. Based on the distribution chart, VietCredit Finance JSC ranks #1368 out of 1417 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, VietCredit Finance JSC has a GF Score™ of 28/100, reflecting its overall financial health beyond just this single metric.
How does VietCredit Finance JSC's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, VietCredit Finance JSC ranks #1368 out of 1417 companies for Debt-to-Equity. This places VietCredit Finance JSC in the lower half of its industry. The industry median Debt-to-Equity is 0.58. VietCredit Finance JSC's value of 4.83 is 732.8% above this benchmark. Historically, VietCredit Finance JSC's own Debt-to-Equity has ranged from 2.58 to 4.91 over the past decade. While the company's 10-year median is 3.25 vs. the industry median of 0.58, VietCredit Finance JSC 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,417 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. VietCredit Finance JSC's current Debt-to-Equity of 4.83 is 732.8% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on VietCredit Finance JSC and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. VietCredit Finance JSC's current Debt-to-Equity is 4.83, which is 49% above median its own 10-year median of 3.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VietCredit Finance JSC stock overvalued right now?
VietCredit Finance JSC (HSTC:TIN) has a current Debt-to-Equity of 4.83. The current Debt-to-Equity is 4.83, which is 49% above median its 10-year median of 3.25 and 732.8% above the Banks industry median of 0.58. VietCredit Finance JSC's overall GF Score™ is 28/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For VietCredit Finance JSC (HSTC:TIN), the current Debt-to-Equity is 4.83 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.
VietCredit Finance JSC is engaged in providing financial services under its Establishment and Operation License, including mobilising and receiving term deposits from organisations, granting short, medium, and long-term loans and consumption loans to organisations and individuals based on its capital sources, and conducting foreign currency trading, treasury services, and other cash services as approved by the SBV. Its products include credit cards, certificates of deposit, and small business loans.
28GF Score
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