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EVN Finance JSCSTC:EVF -0.40%67 Debt-to-Equity is 5.28 as of Mar. 2026, which is 4% above its 10-year median of 5.06. GuruFocus rates STC:EVF with a GF Score™ of 67/100 and a GF Value™ of ₫14,415.54 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 174 Diversified Financial Services companies, EVN Finance JSC ranks worse than 94.83% 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 EVN Finance JSC's Debt-to-Equity or its related term are showing as below:
STC:EVF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 3.56 Med: 5.06 Max: 6.77
Current: 5.28
During the past 6 years, the highest Debt-to-Equity Ratio of EVN Finance JSC was 6.77. The lowest was 3.56. And the median was 5.06.
STC:EVF's Debt-to-Equity is ranked worse than 94.83% of 174
companies
in the Diversified Financial Services industry
Industry Median: 0.18
vs STC:EVF: 5.28
EVN Finance JSC (STC:EVF) Debt-to-Equity Explanation
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.
EVN Finance JSC Debt-to-Equity Related Terms
EVN Finance JSC Debt-to-Equity Historical Data
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The historical data trend for EVN 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 Financial Conglomerates subindustry, EVN 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.
EVN Finance JSC Debt-to-Equity vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, EVN Finance JSC's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where EVN 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.
EVN Finance JSC (STC:EVF) has a Debt-to-Equity of 5.28 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on EVN Finance JSC and its competitors. This is near median its historical median of 5.06. Over the past decade, EVN Finance JSC's Debt-to-Equity has ranged from 3.56 to 6.77. According to the industry distribution chart, EVN Finance JSC ranks #165 out of 174 companies in the Diversified Financial Services industry, placing it in the top 94.8%.
Is EVN Finance JSC's Debt-to-Equity too high?
EVN Finance JSC's current Debt-to-Equity of 5.28 is near median its 10-year median of 5.06. Over the past 10 years, this metric has ranged from a low of 3.56 to a high of 6.77. The Diversified Financial Services industry median Debt-to-Equity is 0.18. EVN Finance JSC's value of 5.28 is 2833.3% above this industry median. Based on the distribution chart, EVN Finance JSC ranks #165 out of 174 companies in the Diversified Financial Services industry, which is in the bottom quartile relative to peers. Overall, EVN Finance JSC has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does EVN Finance JSC's Debt-to-Equity compare to VOYA and FRHC?
According to the Diversified Financial Services industry distribution chart, EVN Finance JSC ranks #165 out of 174 companies for Debt-to-Equity. This places EVN Finance JSC in the lower half of its industry. The industry median Debt-to-Equity is 0.18. EVN Finance JSC's value of 5.28 is 2833.3% above this benchmark. Historically, EVN Finance JSC's own Debt-to-Equity has ranged from 3.56 to 6.77 over the past decade. While the company's 10-year median is 5.06 vs. the industry median of 0.18, EVN 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 Diversified Financial Services company?
The median Debt-to-Equity among Diversified Financial Services companies is 0.18, based on 174 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. EVN Finance JSC's current Debt-to-Equity of 5.28 is 2833.3% 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 EVN Finance JSC and its competitors. For the Diversified Financial Services industry, the median Debt-to-Equity is 0.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EVN Finance JSC's current Debt-to-Equity is 5.28, which is near median its own 10-year median of 5.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is EVN Finance JSC stock overvalued right now?
Based on GuruFocus' analysis, EVN Finance JSC (STC:EVF) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫14,415.54, compared to a current price of ₫12,500.00 — trading 13.3% below its estimated fair value. The current Debt-to-Equity is 5.28, which is near median its 10-year median of 5.06 and 2833.3% above the Diversified Financial Services industry median of 0.18. EVN Finance JSC's overall GF Score™ is 67/100 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 EVN Finance JSC (STC:EVF), the current Debt-to-Equity is 5.28 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 EVN Finance JSC (STC:EVF) Overvalued in 2026?
Based on GuruFocus' analysis, EVN Finance JSC stock appears to be undervalued.
The current stock price of ₫12,500.00 is trading 13.3% below its estimated GF Value™ of ₫14,415.54.
GuruFocus considers EVN Finance JSC to be Modestly Undervalued.
Key valuation signals for STC:EVF:
Debt-to-Equity: 5.28 (near median its 10-year median of 5.06)
GF Value™: ₫14,415.54 vs. price of ₫12,500.00 (13.3% below fair value)
Industry Position: 2833.3% above the Diversified Financial Services median (#165 of 174)
No single metric tells the full story. See the STC:EVF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
EVN Finance JSC operates in the field of finance and currency business in Vietnam. The primary activities of the company include: i) Capital mobilization includes receiving deposits, issuing certificates of deposits, bills, and bonds; borrowing from domestic and foreign financial organizations and credit institutions, ii) Credit activities include providing loans and consumer credit; discounting, re-discounting commercial papers and other valuable papers, iii) Other finance and banking activities include opening and managing deposit accounts and credit accounts for customers; contributing capital and purchasing shares; providing insurance agency services; providing consultancy services; providing asset management services; trading treasury bonds; trading foreign currencies; trading debts.
67GF Score
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