Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) E10: ₫2,191.40 (As of Mar. 2026)


STC:CTG Viet Nam Joint Stock Commercial Bank For Industry And Trade STC:CTG
72 GF Score
Price ₫33,600.00
GF Value ₫32,002.62
Valuation Fairly Valued
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What is Viet Nam Joint Stock Commercial Bank For Industry And Trade E10?

Viet Nam Joint Stock Commercial Bank For Industry And Trade STC:CTG +0.30% 72 E10 is ₫2,191.40 as of Mar. 2026. GuruFocus rates STC:CTG with a GF Score™ of 72/100 and a GF Value™ of ₫32,002.62 (Fairly Valued).

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.

Viet Nam Joint Stock Commercial Bank For Industry And Trade's adjusted earnings per share data for the three months ended in Mar. 2026 was ₫1,148.068. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₫2,191.40 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Viet Nam Joint Stock Commercial Bank For Industry And Trade's average E10 Growth Rate was 26.60% per year. During the past 3 years, the average E10 Growth Rate was 20.40% 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade was 20.40% per year. The lowest was 17.50% per year. And the median was 18.95% per year.

As of today (2026-06-28), Viet Nam Joint Stock Commercial Bank For Industry And Trade's current stock price is ₫33600.00. Viet Nam Joint Stock Commercial Bank For Industry And Trade's E10 for the quarter that ended in Mar. 2026 was ₫2,191.40. Viet Nam Joint Stock Commercial Bank For Industry And Trade's Shiller PE Ratio of today is 15.33.

During the past 13 years, the highest Shiller PE Ratio of Viet Nam Joint Stock Commercial Bank For Industry And Trade was 26.49. The lowest was 10.84. And the median was 15.97.


Viet Nam Joint Stock Commercial Bank For Industry And Trade  (STC:CTG) 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.

Viet Nam Joint Stock Commercial Bank For Industry And Trade's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=33600.00/2191.40
=15.33

* 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade was 26.49. The lowest was 10.84. And the median was 15.97.


Be Aware

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


Viet Nam Joint Stock Commercial Bank For Industry And Trade E10 Related Terms


Viet Nam Joint Stock Commercial Bank For Industry And Trade E10 Historical Data

* Premium members only.

The historical data trend for Viet Nam Joint Stock Commercial Bank For Industry And Trade'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.

Viet Nam Joint Stock Commercial Bank For Industry And Trade E10 Chart

Viet Nam Joint Stock Commercial Bank For Industry And Trade 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 1,024.76 1,186.10 1,374.01 1,660.44 2,071.49

Viet Nam Joint Stock Commercial Bank For Industry And Trade 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 1,730.56 1,839.00 1,935.54 2,071.49 2,191.40

Viet Nam Joint Stock Commercial Bank For Industry And Trade E10 Competitor Comparison

For the Banks - Regional subindustry, Viet Nam Joint Stock Commercial Bank For Industry And Trade'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.


Viet Nam Joint Stock Commercial Bank For Industry And Trade Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Viet Nam Joint Stock Commercial Bank For Industry And Trade's Shiller PE Ratio falls into.


STC:CTG
72GF Score
Viet Nam Joint Stock Commercial Bank For Industry And Trade STC:CTG
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Viet Nam Joint Stock Commercial Bank For Industry And Trade 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, Viet Nam Joint Stock Commercial Bank For Industry And Trade'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)
=1148.068/330.2130*330.2130
=1,148.068

Current CPI (Mar. 2026) = 330.2130.

Viet Nam Joint Stock Commercial Bank For Industry And Trade Quarterly Data

per share eps CPI Adj_EPS
201606 191.623 241.018 262.538
201609 228.522 241.428 312.561
201612 19.338 241.432 26.449
201703 261.573 243.801 354.284
201706 241.123 244.955 325.047
201709 251.100 246.819 335.940
201712 -12.526 246.524 -16.778
201803 312.677 249.554 413.738
201806 232.793 251.989 305.058
201809 240.952 252.439 315.187
201812 -107.296 251.233 -141.027
201903 325.503 254.202 422.834
201906 227.456 256.143 293.230
201909 323.307 256.759 415.799
201912 65.983 256.974 84.789
202003 310.860 258.115 397.691
202006 459.846 257.797 589.018
202009 300.841 260.280 381.672
202012 462.692 260.474 586.573
202103 831.915 264.877 1,037.120
202106 289.710 271.696 352.107
202109 316.695 274.310 381.236
202112 114.688 278.802 135.836
202203 600.476 287.504 689.677
202206 598.095 296.311 666.525
202209 429.809 296.808 478.183
202212 550.543 296.797 612.528
202303 618.819 301.836 676.997
202306 669.924 305.109 725.045
202309 497.370 307.789 533.606
202312 776.466 306.746 835.868
202403 638.448 312.332 674.999
202406 690.783 314.175 726.046
202409 672.831 315.301 704.652
202412 1,261.528 315.605 1,319.919
202503 697.682 319.799 720.401
202506 1,245.001 322.561 1,274.536
202509 1,087.783 324.800 1,105.912
202512 1,423.097 324.054 1,450.145
202603 1,148.068 330.213 1,148.068

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 ₫2,191.40 mean?
Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) has a E10 of ₫2,191.40 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Viet Nam Joint Stock Commercial Bank For Industry And Trade and its competitors.
Is Viet Nam Joint Stock Commercial Bank For Industry And Trade's E10 too high?
Viet Nam Joint Stock Commercial Bank For Industry And Trade's current E10 is ₫2,191.40. Overall, Viet Nam Joint Stock Commercial Bank For Industry And Trade has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Viet Nam Joint Stock Commercial Bank For Industry And Trade's E10 compare to competitors?
Viet Nam Joint Stock Commercial Bank For Industry And Trade's E10 of ₫2,191.40 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade and its competitors. Viet Nam Joint Stock Commercial Bank For Industry And Trade's current E10 is ₫2,191.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Viet Nam Joint Stock Commercial Bank For Industry And Trade stock overvalued right now?
Based on GuruFocus' analysis, Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) is currently considered Fairly Valued. The stock's GF Value™ is ₫32,002.62, compared to a current price of ₫33,600.00 — trading 5% above its estimated fair value. The current E10 is ₫2,191.40. Viet Nam Joint Stock Commercial Bank For Industry And Trade's overall GF Score™ is 72/100. 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG), the current E10 is ₫2,191.40 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) Overvalued in 2026?

Based on GuruFocus' analysis, Viet Nam Joint Stock Commercial Bank For Industry And Trade stock appears to be overvalued. The current stock price of ₫33,600.00 is trading 5% above its estimated GF Value™ of ₫32,002.62. GuruFocus considers Viet Nam Joint Stock Commercial Bank For Industry And Trade to be Fairly Valued.

Key valuation signals for STC:CTG:

  • E10: ₫2,191.40
  • GF Value™: ₫32,002.62 vs. price of ₫33,600.00 (5% above fair value)
  • GF Score™: 72/100

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


Viet Nam Joint Stock Commercial Bank For Industry And Trade Business Description

Address 108 Tran Hung Dao Street, Hoan Kiem District, Hanoi, VNM
Viet Nam Joint Stock Commercial Bank For Industry And Trade is a Vietnam based banking service provider. The company's operating segment include Banking financial services, Non-banking financial services, and Others. It generates maximum revenue from the Banking financial services segment. The company provides banking services including mobilizing and receiving short, medium and long-term deposits from organizations or individuals; making short, medium and long term loans and advances to organizations and individuals; conducting foreign exchange transactions, international trade finance services, discounting of commercial papers, bonds and other valuable papers and other services.
72GF Score

Get the complete analysis for STC:CTG

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

₫33,600.00
Price
₫32,002.62
GF Value