Asia Commercial Joint Stock Bank (STC:ACB) E10: ₫2,585.48 (As of Mar. 2026)


STC:ACB Asia Commercial Joint Stock Bank STC:ACB
73 GF Score
Price ₫22,600.00
GF Value ₫21,058.80
Valuation Fairly Valued
! 5 Warning Signs
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What is Asia Commercial Joint Stock Bank E10?

Asia Commercial Joint Stock Bank STC:ACB +0.89% 73 E10 is ₫2,585.48 as of Mar. 2026. GuruFocus rates STC:ACB with a GF Score™ of 73/100 and a GF Value™ of ₫21,058.80 (Fairly Valued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Asia Commercial Joint Stock Bank's adjusted earnings per share data for the three months ended in Mar. 2026 was ₫744.248. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₫2,585.48 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Asia Commercial Joint Stock Bank's average E10 Growth Rate was 12.70% per year. During the past 3 years, the average E10 Growth Rate was 14.60% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Asia Commercial Joint Stock Bank was 14.70% per year. The lowest was 14.60% per year. And the median was 14.65% per year.

As of today (2026-06-27), Asia Commercial Joint Stock Bank's current stock price is ₫22600.00. Asia Commercial Joint Stock Bank's E10 for the quarter that ended in Mar. 2026 was ₫2,585.48. Asia Commercial Joint Stock Bank's Shiller PE Ratio of today is 8.74.

During the past 13 years, the highest Shiller PE Ratio of Asia Commercial Joint Stock Bank was 11.84. The lowest was 6.60. And the median was 8.85.


Asia Commercial Joint Stock Bank  (STC:ACB) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Asia Commercial Joint Stock Bank's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=22600.00/2585.48
=8.74

* 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 Shiller P/E Ratio of Asia Commercial Joint Stock Bank was 11.84. The lowest was 6.60. And the median was 8.85.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Asia Commercial Joint Stock Bank E10 Related Terms


Asia Commercial Joint Stock Bank E10 Historical Data

* Premium members only.

The historical data trend for Asia Commercial Joint Stock Bank's E10 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.

Asia Commercial Joint Stock Bank E10 Chart

Asia Commercial Joint Stock Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,471.12 1,649.27 1,931.55 2,219.88 2,484.25

Asia Commercial Joint Stock Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 2,294.70 2,380.66 2,452.68 2,484.25 2,585.48

Asia Commercial Joint Stock Bank E10 Competitor Comparison

For the Banks - Regional subindustry, Asia Commercial Joint Stock Bank's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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.


Asia Commercial Joint Stock Bank Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Asia Commercial Joint Stock Bank's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Asia Commercial Joint Stock Bank's Shiller PE Ratio falls into.


STC:ACB
73GF Score
Asia Commercial Joint Stock Bank STC:ACB
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Asia Commercial Joint Stock Bank E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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, Asia Commercial Joint Stock Bank's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=744.248/330.2130*330.2130
=744.248

Current CPI (Mar. 2026) = 330.2130.

Asia Commercial Joint Stock Bank Quarterly Data

per share eps CPI Adj_EPS
201606 143.625 241.018 196.777
201609 158.381 241.428 216.626
201612 145.273 241.432 198.694
201703 226.865 243.801 307.274
201706 238.149 244.955 321.038
201709 259.427 246.819 347.081
201712 209.336 246.524 280.401
201803 341.862 249.554 452.356
201806 625.282 251.989 819.386
201809 714.442 252.439 934.555
201812 576.565 251.233 757.819
201903 313.560 254.202 407.320
201906 727.208 256.143 937.498
201909 735.022 256.759 945.298
201912 678.948 256.974 872.452
202003 265.520 258.115 339.686
202006 703.962 257.797 901.707
202009 1,247.685 260.280 1,582.918
202012 422.013 260.474 535.002
202103 427.793 264.877 533.315
202106 557.384 271.696 677.432
202109 452.805 274.310 545.084
202112 392.545 278.802 464.930
202203 708.139 287.504 813.334
202206 679.335 296.311 757.060
202209 617.976 296.808 687.528
202212 468.697 296.797 521.467
202303 689.834 301.836 754.688
202306 666.017 305.109 720.816
202309 695.604 307.789 746.282
202312 690.212 306.746 743.015
202403 672.566 312.332 711.070
202406 769.860 314.175 809.160
202409 666.801 315.301 698.337
202412 783.086 315.605 819.332
202503 633.628 319.799 654.262
202506 840.938 322.561 860.887
202509 737.470 324.800 749.760
202512 479.752 324.054 488.870
202603 744.248 330.213 744.248

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ₫2,585.48 mean?
Asia Commercial Joint Stock Bank (STC:ACB) has a E10 of ₫2,585.48 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Asia Commercial Joint Stock Bank and its competitors.
Is Asia Commercial Joint Stock Bank's E10 too high?
Asia Commercial Joint Stock Bank's current E10 is ₫2,585.48. Overall, Asia Commercial Joint Stock Bank has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Asia Commercial Joint Stock Bank's E10 compare to competitors?
Asia Commercial Joint Stock Bank's E10 of ₫2,585.48 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Asia Commercial Joint Stock Bank and its competitors. Asia Commercial Joint Stock Bank's current E10 is ₫2,585.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Asia Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Asia Commercial Joint Stock Bank (STC:ACB) is currently considered Fairly Valued. The stock's GF Value™ is ₫21,058.80, compared to a current price of ₫22,600.00 — trading 7.3% above its estimated fair value. The current E10 is ₫2,585.48. Asia Commercial Joint Stock Bank's overall GF Score™ is 73/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Asia Commercial Joint Stock Bank (STC:ACB), the current E10 is ₫2,585.48 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 Asia Commercial Joint Stock Bank (STC:ACB) Overvalued in 2026?

Based on GuruFocus' analysis, Asia Commercial Joint Stock Bank stock appears to be overvalued. The current stock price of ₫22,600.00 is trading 7.3% above its estimated GF Value™ of ₫21,058.80. GuruFocus considers Asia Commercial Joint Stock Bank to be Fairly Valued.

Key valuation signals for STC:ACB:

  • E10: ₫2,585.48
  • GF Value™: ₫21,058.80 vs. price of ₫22,600.00 (7.3% above fair value)
  • GF Score™: 73/100 with 5 warning signs

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


Asia Commercial Joint Stock Bank Business Description

Address 442 Nguyen Thi Minh Khai Street, Ward 5, District 3, Ho Chi Minh, VNM
Asia Commercial Joint Stock Bank and its subsidiaries (the Group) mobilise short, medium, and long-term funds, receive entrusted investment funds, borrow from financial institutions, grant loans, discount commercial papers and bonds, provide settlement services, trade foreign currencies and gold, offer trade finance, and perform approved overseas services. The Group also conducts debt factoring, bond trading, fiduciary activities, commodity derivatives, insurance agency, securities depository and clearing, finance leasing, securities trading and consultancy, corporate finance services, investment fund and asset management. Its segments are Banking, Securities trading, Asset management, Finance Leasing, and Fund Management, operating in the northern, central, and southern regions.
73GF Score

Get the complete analysis for STC:ACB

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫22,600.00
Price
₫21,058.80
GF Value