* 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 Effective Interest Rate on Debt % Chart
Viet Nam Joint Stock Commercial Bank For Industry And Trade Annual Data
Viet Nam Joint Stock Commercial Bank For Industry And Trade Effective Interest Rate on Debt % Competitor Comparison
For the Banks - Regional subindustry, Viet Nam Joint Stock Commercial Bank For Industry And Trade's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Banks Industry
* 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 48.88% mean?
Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) has a Effective Interest Rate on Debt % of 48.88% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. 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 Effective Interest Rate on Debt % too high?
Viet Nam Joint Stock Commercial Bank For Industry And Trade's current Effective Interest Rate on Debt % is 48.88%. Overall, Viet Nam Joint Stock Commercial Bank For Industry And Trade has a GF Score™ of 85/100 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 Effective Interest Rate on Debt % compare to competitors?
Viet Nam Joint Stock Commercial Bank For Industry And Trade's Effective Interest Rate on Debt % of 48.88% 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 Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. 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 Effective Interest Rate on Debt % is 48.88%. 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 ₫32,089.35, compared to a current price of ₫33,700.00 — trading 5% above its estimated fair value. The current Effective Interest Rate on Debt % is 48.88%. Viet Nam Joint Stock Commercial Bank For Industry And Trade's overall GF Score™ is 85/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG), the current Effective Interest Rate on Debt % is 48.88% 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 ₫33,700.00 is trading 5% above its estimated GF Value™ of ₫32,089.35.
GuruFocus considers Viet Nam Joint Stock Commercial Bank For Industry And Trade to be Fairly Valued.
Key valuation signals for STC:CTG:
Effective Interest Rate on Debt %: 48.88%
GF Value™: ₫32,089.35 vs. price of ₫33,700.00 (5% above fair value)
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
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.
85GF Score
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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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