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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.
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.
Vietnam Maritime Commercial Joint Stock Bank Debt-to-Equity Related Terms
Vietnam Maritime Commercial Joint Stock Bank Debt-to-Equity Historical Data
* 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.
Vietnam Maritime Commercial Joint Stock Bank Debt-to-Equity Chart
Vietnam Maritime Commercial Joint Stock Bank Annual Data
Vietnam Maritime Commercial Joint Stock Bank Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Vietnam Maritime Commercial Joint Stock Bank'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.
Vietnam Maritime Commercial Joint Stock Bank Debt-to-Equity vs Banks Industry
* 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.
Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) has a Debt-to-Equity of 1.91 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Vietnam Maritime Commercial Joint Stock Bank and its competitors. This is 31% above median its historical median of 1.46. Over the past decade, Vietnam Maritime Commercial Joint Stock Bank's Debt-to-Equity has ranged from 0.80 to 1.99. According to the industry distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #1202 out of 1425 companies in the Banks industry, placing it in the top 84.4%.
Is Vietnam Maritime Commercial Joint Stock Bank's Debt-to-Equity too high?
Vietnam Maritime Commercial Joint Stock Bank's current Debt-to-Equity of 1.91 is 31% above median its 10-year median of 1.46. Over the past 10 years, this metric has ranged from a low of 0.80 to a high of 1.99. The Banks industry median Debt-to-Equity is 0.56. Vietnam Maritime Commercial Joint Stock Bank's value of 1.91 is 241.1% above this industry median. Based on the distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #1202 out of 1425 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Vietnam Maritime Commercial Joint Stock Bank has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Vietnam Maritime Commercial Joint Stock Bank's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Vietnam Maritime Commercial Joint Stock Bank ranks #1202 out of 1425 companies for Debt-to-Equity. This places Vietnam Maritime Commercial Joint Stock Bank in the lower half of its industry. The industry median Debt-to-Equity is 0.56. Vietnam Maritime Commercial Joint Stock Bank's value of 1.91 is 241.1% above this benchmark. Historically, Vietnam Maritime Commercial Joint Stock Bank's own Debt-to-Equity has ranged from 0.80 to 1.99 over the past decade. While the company's 10-year median is 1.46 vs. the industry median of 0.56, Vietnam Maritime 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,425 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. Vietnam Maritime Commercial Joint Stock Bank's current Debt-to-Equity of 1.91 is 241.1% 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 Vietnam Maritime Commercial Joint Stock Bank and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vietnam Maritime Commercial Joint Stock Bank's current Debt-to-Equity is 1.91, which is 31% above median its own 10-year median of 1.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vietnam Maritime Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₫10,910.98, compared to a current price of ₫16,350.00 — trading 49.8% above its estimated fair value. The current Debt-to-Equity is 1.91, which is 31% above median its 10-year median of 1.46 and 241.1% above the Banks industry median of 0.56. Vietnam Maritime Commercial Joint Stock Bank's overall GF Score™ is 66/100 with 6 warning signs 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 Vietnam Maritime Commercial Joint Stock Bank (STC:MSB), the current Debt-to-Equity is 1.91 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 Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) Overvalued in 2026?
Based on GuruFocus' analysis, Vietnam Maritime Commercial Joint Stock Bank stock appears to be overvalued.
The current stock price of ₫16,350.00 is trading 49.8% above its estimated GF Value™ of ₫10,910.98.
GuruFocus considers Vietnam Maritime Commercial Joint Stock Bank to be Significantly Overvalued.
Key valuation signals for STC:MSB:
Debt-to-Equity: 1.91 (31% above median its 10-year median of 1.46)
GF Value™: ₫10,910.98 vs. price of ₫16,350.00 (49.8% above fair value)
Industry Position: 241.1% above the Banks median (#1202 of 1425)
No single metric tells the full story. See the STC:MSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vietnam Maritime Commercial Joint Stock Bank Business Description
Vietnam Maritime Commercial Joint Stock Bank is engaged in providing banking and related services including mobilizing and receiving short, medium and long-term deposits from organizations and individuals; making short, medium and long-term loans to organizations and individuals based on the nature and capability of the Bank's capital; conducting foreign exchange transactions; international trade finance services; discounting of commercial papers, bonds and other valuable papers; conducting payments and treasury services; performing capital contributions, share purchases, securities investments and other banking services. The company provides Savings, Retail Loan products, Insurance, Card Products, Payment services, E-Banking services, and other banking services.
66GF Score
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