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During the past 12 months, Sai Gon - Hanoi Commercial Joint Stock Bank's average EPS without NRI Growth Rate was 10.60% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 11.80% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 17.90% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 28.30% 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 13 years, the highest 3-Year average EPS without NRI Growth Rate of Sai Gon - Hanoi Commercial Joint Stock Bank was 200.70% per year. The lowest was -73.70% per year. And the median was 18.00% per year.
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) 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.
Sai Gon - Hanoi Commercial Joint Stock Bank 3-Year EPS without NRI Growth Rate Related Terms
Sai Gon - Hanoi Commercial Joint Stock Bank 3-Year EPS without NRI Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Sai Gon - Hanoi Commercial Joint Stock 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.
Sai Gon - Hanoi Commercial Joint Stock Bank 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Sai Gon - Hanoi Commercial Joint Stock Bank's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Sai Gon - Hanoi Commercial Joint Stock Bank's 3-Year EPS without NRI Growth Rate falls into.
Sai Gon - Hanoi Commercial Joint Stock 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 11.80% mean?
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) has a 3-Year EPS without NRI Growth Rate of 11.80% 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 Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors. This is 34% below median its historical median of 18.00. According to the industry distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #542 out of 1402 companies in the Banks industry, placing it in the top 38.7%.
Is Sai Gon - Hanoi Commercial Joint Stock Bank's 3-Year EPS without NRI Growth Rate too high?
Sai Gon - Hanoi Commercial Joint Stock Bank's current 3-Year EPS without NRI Growth Rate of 11.80% is 34% below median its 10-year median of 18.00. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.60. Sai Gon - Hanoi Commercial Joint Stock Bank's value of 11.80% is 55.3% above this industry median. Based on the distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #542 out of 1402 companies in the Banks industry, which is above the industry midpoint. Overall, Sai Gon - Hanoi Commercial Joint Stock Bank has a GF Scoreâ„¢ of 62/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Sai Gon - Hanoi Commercial Joint Stock Bank's 3-Year EPS without NRI Growth Rate compare to competitors?
According to the Banks industry distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #542 out of 1402 companies for 3-Year EPS without NRI Growth Rate. This puts Sai Gon - Hanoi Commercial Joint Stock Bank in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.60. Sai Gon - Hanoi Commercial Joint Stock Bank's value of 11.80% is 55.3% above this benchmark. While the company's 10-year median is 18.00 vs. the industry median of 7.60, Sai Gon - Hanoi Commercial Joint Stock 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 1,402 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. Sai Gon - Hanoi Commercial Joint Stock Bank's current 3-Year EPS without NRI Growth Rate of 11.80% is 55.3% 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 Sai Gon - Hanoi Commercial Joint Stock 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. Sai Gon - Hanoi Commercial Joint Stock Bank's current 3-Year EPS without NRI Growth Rate is 11.80%, which is 34% below median its own 10-year median of 18.00. 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 Modestly Undervalued. The stock's GF Value™ is ₫13,812.77, compared to a current price of ₫11,750.00 — trading 14.9% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 11.80%, which is 34% below median its 10-year median of 18.00 and 55.3% above the Banks industry median of 7.60. Sai Gon - Hanoi Commercial Joint Stock Bank's overall GF Score™ is 62/100 with 3 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 Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB), the current 3-Year EPS without NRI Growth Rate is 11.80% 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 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 â‚«11,750.00 is trading 14.9% below its estimated GF Value™ of â‚«13,812.77.
GuruFocus considers Sai Gon - Hanoi Commercial Joint Stock Bank to be Modestly Undervalued.
Key valuation signals for STC:SHB:
3-Year EPS without NRI Growth Rate: 11.80% (34% below median its 10-year median of 18.00)
GF Value™: â‚«13,812.77 vs. price of â‚«11,750.00 (14.9% below fair value)
Industry Position: 55.3% above the Banks median (#542 of 1402)
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 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.
62GF Score
Get the complete analysis for STC:SHB
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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