Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
During the past 12 months, Ho Chi Minh City Development Joint Stock Commercial Bank's average EPS without NRI Growth Rate was 36.50% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 29.90% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 31.70% 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 average EPS without NRI growth rate.
During the past 11 years, the highest 3-Year average EPS without NRI Growth Rate of Ho Chi Minh City Development Joint Stock Commercial Bank was 35.80% per year. The lowest was 19.00% per year. And the median was 29.75% per year.
Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Ho Chi Minh City Development Joint Stock Commercial Bank 3-Year EPS without NRI Growth Rate Related Terms
Ho Chi Minh City Development Joint Stock Commercial Bank 3-Year EPS without NRI Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Ho Chi Minh City Development Joint Stock Commercial Bank's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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.
Ho Chi Minh City Development Joint Stock Commercial Bank 3-Year EPS without NRI Growth Rate vs Banks Industry
Ho Chi Minh City Development Joint Stock Commercial Bank 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 29.90% mean?
Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) has a 3-Year EPS without NRI Growth Rate of 29.90% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Ho Chi Minh City Development Joint Stock Commercial Bank and its competitors. This is near median its historical median of 29.75. Over the past decade, Ho Chi Minh City Development Joint Stock Commercial Bank's 3-Year EPS without NRI Growth Rate has ranged from 19.00 to 35.80. According to the industry distribution chart, Ho Chi Minh City Development Joint Stock Commercial Bank ranks #194 out of 1401 companies in the Banks industry, placing it in the top 13.8%.
Is Ho Chi Minh City Development Joint Stock Commercial Bank's 3-Year EPS without NRI Growth Rate too high?
Ho Chi Minh City Development Joint Stock Commercial Bank's current 3-Year EPS without NRI Growth Rate of 29.90% is near median its 10-year median of 29.75. Over the past 10 years, this metric has ranged from a low of 19.00 to a high of 35.80. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.60. Ho Chi Minh City Development Joint Stock Commercial Bank's value of 29.90% is 293.4% above this industry median. Based on the distribution chart, Ho Chi Minh City Development Joint Stock Commercial Bank ranks #194 out of 1401 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Ho Chi Minh City Development Joint Stock Commercial Bank has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ho Chi Minh City Development Joint Stock Commercial Bank's 3-Year EPS without NRI Growth Rate compare to competitors?
According to the Banks industry distribution chart, Ho Chi Minh City Development Joint Stock Commercial Bank ranks #194 out of 1401 companies for 3-Year EPS without NRI Growth Rate. This places Ho Chi Minh City Development Joint Stock Commercial Bank in the top 14% of its industry — outperforming the majority of peers. The industry median 3-Year EPS without NRI Growth Rate is 7.60. Ho Chi Minh City Development Joint Stock Commercial Bank's value of 29.90% is 293.4% above this benchmark. Historically, Ho Chi Minh City Development Joint Stock Commercial Bank's own 3-Year EPS without NRI Growth Rate has ranged from 19.00 to 35.80 over the past decade. While the company's 10-year median is 29.75 vs. the industry median of 7.60, Ho Chi Minh City Development Joint Stock Commercial 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 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.60, based on 1,401 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ho Chi Minh City Development Joint Stock Commercial Bank's current 3-Year EPS without NRI Growth Rate of 29.90% is 293.4% 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Ho Chi Minh City Development Joint Stock Commercial Bank and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ho Chi Minh City Development Joint Stock Commercial Bank's current 3-Year EPS without NRI Growth Rate is 29.90%, which is near median its own 10-year median of 29.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ho Chi Minh City Development Joint Stock Commercial Bank stock overvalued right now?
Based on GuruFocus' analysis, Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) is currently considered Modestly Overvalued. The stock's GF Value™ is ₫24,177.06, compared to a current price of ₫27,600.00 — trading 14.2% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 29.90%, which is near median its 10-year median of 29.75 and 293.4% above the Banks industry median of 7.60. Ho Chi Minh City Development Joint Stock Commercial Bank's overall GF Score™ is 74/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB), the current 3-Year EPS without NRI Growth Rate is 29.90% as of Jun. 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 Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) Overvalued in 2026?
Based on GuruFocus' analysis, Ho Chi Minh City Development Joint Stock Commercial Bank stock appears to be overvalued.
The current stock price of ₫27,600.00 is trading 14.2% above its estimated GF Value™ of ₫24,177.06.
GuruFocus considers Ho Chi Minh City Development Joint Stock Commercial Bank to be Modestly Overvalued.
Key valuation signals for STC:HDB:
3-Year EPS without NRI Growth Rate: 29.90% (near median its 10-year median of 29.75)
GF Value™: ₫24,177.06 vs. price of ₫27,600.00 (14.2% above fair value)
Industry Position: 293.4% above the Banks median (#194 of 1401)
No single metric tells the full story. See the STC:HDB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ho Chi Minh City Development Joint Stock Commercial Bank is a Vietnamese commercial bank providing personal and commercial banking services to retail customers, corporations, and investors.
74GF Score
Get the complete analysis for STC:HDB
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STC:HDB has been successfully added to your 
