Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) E10: ₫1,451.42 (As of Mar. 2026)


STC:SHB Sai Gon - Hanoi Commercial Joint Stock Bank STC:SHB
65 GF Score
Price ₫13,650.00
GF Value ₫14,301.11
Valuation Fairly Valued
! 1 Warning Sign
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What is Sai Gon - Hanoi Commercial Joint Stock Bank E10?

Sai Gon - Hanoi Commercial Joint Stock Bank STC:SHB -0.36% 65 E10 is ₫1,451.42 as of Mar. 2026. GuruFocus rates STC:SHB with a GF Score™ of 65/100 and a GF Value™ of ₫14,301.11 (Fairly Valued). The stock has 1 warning sign 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.

Sai Gon - Hanoi Commercial Joint Stock Bank's adjusted earnings per share data for the three months ended in Mar. 2026 was ₫798.004. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₫1,451.42 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Sai Gon - Hanoi Commercial Joint Stock Bank's average E10 Growth Rate was 22.40% per year. During the past 3 years, the average E10 Growth Rate was 21.40% 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 Sai Gon - Hanoi Commercial Joint Stock Bank was 30.10% per year. The lowest was 21.40% per year. And the median was 25.75% per year.

As of today (2026-06-24), Sai Gon - Hanoi Commercial Joint Stock Bank's current stock price is ₫13650.00. Sai Gon - Hanoi Commercial Joint Stock Bank's E10 for the quarter that ended in Mar. 2026 was ₫1,451.42. Sai Gon - Hanoi Commercial Joint Stock Bank's Shiller PE Ratio of today is 9.40.

During the past 13 years, the highest Shiller PE Ratio of Sai Gon - Hanoi Commercial Joint Stock Bank was 30.32. The lowest was 7.22. And the median was 10.03.


Sai Gon - Hanoi Commercial Joint Stock Bank  (STC:SHB) 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.

Sai Gon - Hanoi Commercial Joint Stock Bank's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=13650.00/1451.42
=9.40

* 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 Sai Gon - Hanoi Commercial Joint Stock Bank was 30.32. The lowest was 7.22. And the median was 10.03.


Be Aware

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


Sai Gon - Hanoi Commercial Joint Stock Bank E10 Related Terms


Sai Gon - Hanoi Commercial Joint Stock Bank E10 Historical Data

* Premium members only.

The historical data trend for Sai Gon - Hanoi 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.

Sai Gon - Hanoi Commercial Joint Stock Bank E10 Chart

Sai Gon - Hanoi 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 501.51 757.30 907.54 1,103.14 1,356.49

Sai Gon - Hanoi 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 1,185.63 1,264.38 1,320.71 1,356.49 1,451.42

Sai Gon - Hanoi Commercial Joint Stock Bank E10 Competitor Comparison

For the Banks - Regional subindustry, Sai Gon - Hanoi 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.


Sai Gon - Hanoi Commercial Joint Stock Bank Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where Sai Gon - Hanoi Commercial Joint Stock Bank's Shiller PE Ratio falls into.


STC:SHB
65GF Score
Sai Gon - Hanoi Commercial Joint Stock Bank STC:SHB
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Sai Gon - Hanoi 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, Sai Gon - Hanoi 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)
=798.004/330.2130*330.2130
=798.004

Current CPI (Mar. 2026) = 330.2130.

Sai Gon - Hanoi Commercial Joint Stock Bank Quarterly Data

per share eps CPI Adj_EPS
201606 56.509 241.018 77.422
201609 63.929 241.428 87.439
201612 81.716 241.432 111.765
201703 70.115 243.801 94.966
201706 114.716 244.955 154.644
201709 121.834 246.819 162.999
201712 133.731 246.524 179.129
201803 115.107 249.554 152.311
201806 118.020 251.989 154.657
201809 79.734 252.439 104.299
201812 143.147 251.233 188.148
201903 170.070 254.202 220.924
201906 201.200 256.143 259.382
201909 160.136 256.759 205.948
201912 174.595 256.974 224.356
202003 175.795 258.115 224.899
202006 212.280 257.797 271.910
202009 216.701 260.280 274.925
202012 220.073 260.474 278.995
202103 460.131 264.877 573.629
202106 421.416 271.696 512.179
202109 517.057 274.310 622.431
202112 194.069 278.802 229.855
202203 559.562 287.504 642.685
202206 445.363 296.311 496.319
202209 561.500 296.808 624.695
202212 108.767 296.797 121.013
202303 624.478 301.836 683.188
202306 422.974 305.109 457.776
202309 446.211 307.789 478.720
202312 93.941 306.746 101.128
202403 695.600 312.332 735.423
202406 495.315 314.175 520.600
202409 377.123 315.301 394.959
202412 447.083 315.605 467.777
202503 748.817 319.799 773.202
202506 772.411 322.561 790.735
202509 558.285 324.800 567.589
202512 484.020 324.054 493.219
202603 798.004 330.213 798.004

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 ₫1,451.42 mean?
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) has a E10 of ₫1,451.42 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors.
Is Sai Gon - Hanoi Commercial Joint Stock Bank's E10 too high?
Sai Gon - Hanoi Commercial Joint Stock Bank's current E10 is ₫1,451.42. Overall, Sai Gon - Hanoi Commercial Joint Stock Bank has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sai Gon - Hanoi Commercial Joint Stock Bank's E10 compare to competitors?
Sai Gon - Hanoi Commercial Joint Stock Bank's E10 of ₫1,451.42 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 Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors. Sai Gon - Hanoi Commercial Joint Stock Bank's current E10 is ₫1,451.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sai Gon - Hanoi Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) is currently considered Fairly Valued. The stock's GF Value™ is ₫14,301.11, compared to a current price of ₫13,650.00 — trading 4.6% below its estimated fair value. The current E10 is ₫1,451.42. Sai Gon - Hanoi Commercial Joint Stock Bank's overall GF Score™ is 65/100 with 1 warning sign 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 Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB), the current E10 is ₫1,451.42 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 Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) Overvalued in 2026?

Based on GuruFocus' analysis, Sai Gon - Hanoi Commercial Joint Stock Bank stock appears to be undervalued. The current stock price of ₫13,650.00 is trading 4.6% below its estimated GF Value™ of ₫14,301.11. GuruFocus considers Sai Gon - Hanoi Commercial Joint Stock Bank to be Fairly Valued.

Key valuation signals for STC:SHB:

  • E10: ₫1,451.42
  • GF Value™: ₫14,301.11 vs. price of ₫13,650.00 (4.6% below fair value)
  • GF Score™: 65/100 with 1 warning sign

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


Sai Gon - Hanoi Commercial Joint Stock Bank Business Description

Address 77 Tran Hung Dao Street, Hoan Kiem District, Cua Nam Ward, Hanoi, VNM
Sai Gon - Hanoi Commercial Joint Stock Bank is a Vietnam-based banking corporation. It offers various banking services to its customers, including retail banking, corporate banking, and other banking-related services. Its products and services include savings, current accounts, money transfer services, E-banking, guarantee service, and forex trading and treasury services. It also provides credit in the form of car loans, rubber loans, agricultural product loans, business overdrafts, and medium and long-term loans and credit facilities. The company operates in four reportable segments: credit, investment, services, and treasury. The primary source of its revenue is interest income, commission, and fees received by providing advisory and financial services to the customer.
65GF Score

Get the complete analysis for STC:SHB

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

₫13,650.00
Price
₫14,301.11
GF Value