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Saigon Thuong Tin Commercial Joint Stock Bank (STC:STB) E10 : ₫3,624.02 (As of Mar. 2025)


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What is Saigon Thuong Tin Commercial Joint Stock Bank E10?

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.

Saigon Thuong Tin Commercial Joint Stock Bank's adjusted earnings per share data for the three months ended in Mar. 2025 was ₫5,767.000. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₫3,624.02 for the trailing ten years ended in Mar. 2025.

During the past 12 months, Saigon Thuong Tin Commercial Joint Stock Bank's average E10 Growth Rate was 31.70% per year. During the past 3 years, the average E10 Growth Rate was 23.90% 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 Saigon Thuong Tin Commercial Joint Stock Bank was 23.90% per year. The lowest was 23.90% per year. And the median was 23.90% per year.

As of today (2025-06-21), Saigon Thuong Tin Commercial Joint Stock Bank's current stock price is ₫47150.00. Saigon Thuong Tin Commercial Joint Stock Bank's E10 for the quarter that ended in Mar. 2025 was ₫3,624.02. Saigon Thuong Tin Commercial Joint Stock Bank's Shiller PE Ratio of today is 13.01.

During the past 13 years, the highest Shiller PE Ratio of Saigon Thuong Tin Commercial Joint Stock Bank was 21.63. The lowest was 8.02. And the median was 12.18.


Saigon Thuong Tin Commercial Joint Stock Bank E10 Historical Data

The historical data trend for Saigon Thuong Tin 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.

* Premium members only.

Saigon Thuong Tin Commercial Joint Stock Bank E10 Chart

Saigon Thuong Tin Commercial Joint Stock Bank Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only - 1,643.37 2,019.59 2,482.98 3,128.32

Saigon Thuong Tin Commercial Joint Stock Bank Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
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 2,752.00 2,814.56 2,882.08 3,128.32 3,624.02

Competitive Comparison of Saigon Thuong Tin Commercial Joint Stock Bank's E10

For the Banks - Regional subindustry, Saigon Thuong Tin 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.


Saigon Thuong Tin Commercial Joint Stock Bank's Shiller PE Ratio Distribution in the Banks Industry

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

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


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Saigon Thuong Tin 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, Saigon Thuong Tin Commercial Joint Stock Bank's adjusted earnings per share data for the three months ended in Mar. 2025 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=5767/134.9266*134.9266
=5,767.000

Current CPI (Mar. 2025) = 134.9266.

Saigon Thuong Tin Commercial Joint Stock Bank Quarterly Data

per share eps CPI Adj_EPS
201506 400.408 100.684 536.587
201509 359.621 100.392 483.332
201512 -384.336 99.792 -519.650
201603 470.000 100.470 631.186
201606 -88.398 101.688 -117.292
201609 83.259 101.861 110.286
201612 -48.008 101.863 -63.591
201703 117.000 102.862 153.471
201706 140.515 103.349 183.448
201709 170.366 104.136 220.740
201712 162.452 104.011 210.738
201803 758.000 105.290 971.363
201806 205.848 106.317 261.242
201809 90.472 106.507 114.613
201812 249.000 105.998 316.957
201903 1,241.000 107.251 1,561.241
201906 170.313 108.070 212.639
201909 427.948 108.329 533.018
201912 294.717 108.420 366.769
202003 1,329.000 108.902 1,646.602
202006 190.375 108.767 236.162
202009 397.116 109.815 487.926
202012 463.842 109.897 569.485
202103 1,495.000 111.754 1,804.987
202106 616.992 114.631 726.229
202109 339.339 115.734 395.612
202112 -203.411 117.630 -233.322
202203 2,086.000 121.301 2,320.318
202206 426.418 125.017 460.219
202209 642.689 125.227 692.472
202212 180.000 125.222 193.950
202303 3,006.000 127.348 3,184.895
202306 1,021.170 128.729 1,070.336
202309 867.058 129.860 900.890
202312 1,198.241 129.419 1,249.230
202403 4,206.000 131.776 4,306.554
202406 1,154.690 132.554 1,175.360
202409 1,167.597 133.029 1,184.253
202412 1,908.576 133.157 1,933.939
202503 5,767.000 134.927 5,767.000

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


Saigon Thuong Tin Commercial Joint Stock Bank  (STC:STB) 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.

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

Shiller PE Ratio=Share Price/E10
=47150.00/3624.02
=13.01

* 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 Saigon Thuong Tin Commercial Joint Stock Bank was 21.63. The lowest was 8.02. And the median was 12.18.


Be Aware

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


Saigon Thuong Tin Commercial Joint Stock Bank E10 Related Terms

Thank you for viewing the detailed overview of Saigon Thuong Tin Commercial Joint Stock Bank's E10 provided by GuruFocus.com. Please click on the following links to see related term pages.


Saigon Thuong Tin Commercial Joint Stock Bank Business Description

Traded in Other Exchanges
N/A
Address
266-268 Nam Ky Khoi Nghia Street, Ward 8, Distrcit 3, Ho Chi Minh City, VNM
Saigon Thuong Tin Commercial Joint Stock Bank is a Vietnam-based company which provides commercial banking services. Its principal activities are to mobilize short, medium and long-term capital in the form of time deposits, demand deposits, certificates of deposit, receive capital from local and overseas financial institutions, grant short, medium and long-term loans, investments in associate, joint-ventures and other companies. The company also provides settlement services to customers, deal in foreign exchange, gold, provide international settlements services, investment in bonds other banking services.

Saigon Thuong Tin Commercial Joint Stock Bank Headlines