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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 International Commercial Joint Stock Bank Debt-to-Equity Related Terms
Vietnam International 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 International Commercial Joint Stock Bank Debt-to-Equity Chart
Vietnam International Commercial Joint Stock Bank Annual Data
* 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 International 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 International Commercial Joint Stock Bank (STC:VIB) has a Debt-to-Equity of 1.47 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Vietnam International Commercial Joint Stock Bank and its competitors. This is near median its historical median of 1.56. Over the past decade, Vietnam International Commercial Joint Stock Bank's Debt-to-Equity has ranged from 0.98 to 2.86. According to the industry distribution chart, Vietnam International Commercial Joint Stock Bank ranks #1107 out of 1421 companies in the Banks industry, placing it in the top 77.9%.
Is Vietnam International Commercial Joint Stock Bank's Debt-to-Equity too high?
Vietnam International Commercial Joint Stock Bank's current Debt-to-Equity of 1.47 is near median its 10-year median of 1.56. Over the past 10 years, this metric has ranged from a low of 0.98 to a high of 2.86. The Banks industry median Debt-to-Equity is 0.56. Vietnam International Commercial Joint Stock Bank's value of 1.47 is 162.5% above this industry median. Based on the distribution chart, Vietnam International Commercial Joint Stock Bank ranks #1107 out of 1421 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Vietnam International Commercial Joint Stock Bank has a GF Score™ of 78/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Vietnam International Commercial Joint Stock Bank's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Vietnam International Commercial Joint Stock Bank ranks #1107 out of 1421 companies for Debt-to-Equity. This places Vietnam International Commercial Joint Stock Bank in the lower half of its industry. The industry median Debt-to-Equity is 0.56. Vietnam International Commercial Joint Stock Bank's value of 1.47 is 162.5% above this benchmark. Historically, Vietnam International Commercial Joint Stock Bank's own Debt-to-Equity has ranged from 0.98 to 2.86 over the past decade. While the company's 10-year median is 1.56 vs. the industry median of 0.56, Vietnam International 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 1,421 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 International Commercial Joint Stock Bank's current Debt-to-Equity of 1.47 is 162.5% 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 International 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 International Commercial Joint Stock Bank's current Debt-to-Equity is 1.47, which is near median its own 10-year median of 1.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vietnam International Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Vietnam International Commercial Joint Stock Bank (STC:VIB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫17,458.00, compared to a current price of ₫15,400.00 — trading 11.8% below its estimated fair value. The current Debt-to-Equity is 1.47, which is near median its 10-year median of 1.56 and 162.5% above the Banks industry median of 0.56. Vietnam International Commercial Joint Stock Bank's overall GF Score™ is 78/100 with 2 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 International Commercial Joint Stock Bank (STC:VIB), the current Debt-to-Equity is 1.47 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 International Commercial Joint Stock Bank (STC:VIB) Overvalued in 2026?
Based on GuruFocus' analysis, Vietnam International Commercial Joint Stock Bank stock appears to be undervalued.
The current stock price of ₫15,400.00 is trading 11.8% below its estimated GF Value™ of ₫17,458.00.
GuruFocus considers Vietnam International Commercial Joint Stock Bank to be Modestly Undervalued.
Key valuation signals for STC:VIB:
Debt-to-Equity: 1.47 (near median its 10-year median of 1.56)
GF Value™: ₫17,458.00 vs. price of ₫15,400.00 (11.8% below fair value)
Industry Position: 162.5% above the Banks median (#1107 of 1421)
No single metric tells the full story. See the STC:VIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vietnam International Commercial Joint Stock Bank Business Description
Vietnam International Commercial Joint Stock Bank is a joint stock commercial banks in Vietnam. The company's services includes credits, payment card, savings, car loans, home loans, consumer loans, insurance, digital banking, payment accounts, among others. It operates Domestically and Internationally as well.
78GF Score
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