Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) EV-to-OCF: -0.94 (As of Aug. 13, 2026)

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Director of Data and Quant Analytics at GuruFocus
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STC:CTG Viet Nam Joint Stock Commercial Bank For Industry And Trade STC:CTG
71 GF Score
Price ₫32,200.00
GF Value ₫34,518.56
Valuation Fairly Valued
! 1 Warning Sign
View Full Analysis

What is Viet Nam Joint Stock Commercial Bank For Industry And Trade EV-to-OCF?

Viet Nam Joint Stock Commercial Bank For Industry And Trade STC:CTG -0.31% 71 EV-to-OCF is -0.94 as of Aug. 13, 2026. GuruFocus rates STC:CTG with a GF Score™ of 71/100 and a GF Value™ of ₫34,518.56 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,497 Banks companies, Viet Nam Joint Stock Commercial Bank For Industry And Trade ranks better than 73.88% on this metric.

EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Viet Nam Joint Stock Commercial Bank For Industry And Trade's Enterprise Value is ₫-145,910,905 Mil. Viet Nam Joint Stock Commercial Bank For Industry And Trade's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was ₫155,756,502 Mil. Therefore, Viet Nam Joint Stock Commercial Bank For Industry And Trade's EV-to-OCF for today is -0.94.

The historical rank and industry rank for Viet Nam Joint Stock Commercial Bank For Industry And Trade's EV-to-OCF or its related term are showing as below:

STC:CTG' s EV-to-OCF Range Over the Past 10 Years
Min: -179.75   Med: 0.72   Max: 34.38
Current: -0.93

During the past 13 years, the highest EV-to-OCF of Viet Nam Joint Stock Commercial Bank For Industry And Trade was 34.38. The lowest was -179.75. And the median was 0.72.

STC:CTG's EV-to-OCF is ranked better than
73.88% of 1497 companies
in the Banks industry
Industry Median: 3.98 vs STC:CTG: -0.93

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-08-13), Viet Nam Joint Stock Commercial Bank For Industry And Trade's stock price is ₫32200.00. Viet Nam Joint Stock Commercial Bank For Industry And Trade's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was ₫5170.490. Therefore, Viet Nam Joint Stock Commercial Bank For Industry And Trade's PE Ratio (TTM) for today is 6.23.


Viet Nam Joint Stock Commercial Bank For Industry And Trade  (STC:CTG) EV-to-OCF Explanation

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Viet Nam Joint Stock Commercial Bank For Industry And Trade's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=32200.00/5170.490
=6.23

Viet Nam Joint Stock Commercial Bank For Industry And Trade's share price for today is ₫32200.00.
Viet Nam Joint Stock Commercial Bank For Industry And Trade's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₫5170.490.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Viet Nam Joint Stock Commercial Bank For Industry And Trade EV-to-OCF Related Terms


Viet Nam Joint Stock Commercial Bank For Industry And Trade EV-to-OCF Historical Data

* Premium members only.

The historical data trend for Viet Nam Joint Stock Commercial Bank For Industry And Trade's EV-to-OCF 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.

Viet Nam Joint Stock Commercial Bank For Industry And Trade EV-to-OCF Chart

Viet Nam Joint Stock Commercial Bank For Industry And Trade Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-OCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 31.71 0.38 -0.04 -0.35 -0.46

Viet Nam Joint Stock Commercial Bank For Industry And Trade Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
EV-to-OCF 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 0.60 -0.45 -0.46 -0.81 -0.85

Viet Nam Joint Stock Commercial Bank For Industry And Trade EV-to-OCF Competitor Comparison

For the Banks - Regional subindustry, Viet Nam Joint Stock Commercial Bank For Industry And Trade's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry

For the Banks industry and Financial Services sector, Viet Nam Joint Stock Commercial Bank For Industry And Trade's EV-to-OCF distribution charts can be found below:

* The bar in red indicates where Viet Nam Joint Stock Commercial Bank For Industry And Trade's EV-to-OCF falls into.


STC:CTG
71GF Score
Viet Nam Joint Stock Commercial Bank For Industry And Trade STC:CTG
EV-to-OCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Viet Nam Joint Stock Commercial Bank For Industry And Trade EV-to-OCF Calculation

Viet Nam Joint Stock Commercial Bank For Industry And Trade's EV-to-OCF for today is calculated as:

EV-to-OCF=Enterprise Value (Today)/Cash Flow from Operations (TTM)
=-145910904.689/155756502
=-0.94

Viet Nam Joint Stock Commercial Bank For Industry And Trade's current Enterprise Value is ₫-145,910,905 Mil.
Viet Nam Joint Stock Commercial Bank For Industry And Trade's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₫155,756,502 Mil.

* 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.

Frequently Asked Questions Learn more about EV-to-OCF →
What does a EV-to-OCF of -0.94 mean?
Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) has a EV-to-OCF of -0.94 as of Aug. 13, 2026. According to the industry distribution chart, Viet Nam Joint Stock Commercial Bank For Industry And Trade ranks #391 out of 1497 companies in the Banks industry, placing it in the top 26.1%.
Is Viet Nam Joint Stock Commercial Bank For Industry And Trade's EV-to-OCF too high?
Viet Nam Joint Stock Commercial Bank For Industry And Trade's current EV-to-OCF is -0.94. Based on the distribution chart, Viet Nam Joint Stock Commercial Bank For Industry And Trade ranks #391 out of 1497 companies in the Banks industry, which is above the industry midpoint. Overall, Viet Nam Joint Stock Commercial Bank For Industry And Trade has a GF Score™ of 71/100 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 EV-to-OCF compare to competitors?
According to the Banks industry distribution chart, Viet Nam Joint Stock Commercial Bank For Industry And Trade ranks #391 out of 1497 companies for EV-to-OCF. This puts Viet Nam Joint Stock Commercial Bank For Industry And Trade in the upper half of its industry. The industry median EV-to-OCF is 3.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.98, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Viet Nam Joint Stock Commercial Bank For Industry And Trade's current EV-to-OCF is -0.94. 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 ₫34,518.56, compared to a current price of ₫32,200.00 — trading 6.7% below its estimated fair value. The current EV-to-OCF is -0.94. Viet Nam Joint Stock Commercial Bank For Industry And Trade's overall GF Score™ is 71/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG), the current EV-to-OCF is -0.94 as of Aug. 13, 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 undervalued. The current stock price of ₫32,200.00 is trading 6.7% below its estimated GF Value™ of ₫34,518.56. GuruFocus considers Viet Nam Joint Stock Commercial Bank For Industry And Trade to be Fairly Valued.

Key valuation signals for STC:CTG:

  • EV-to-OCF: -0.94
  • GF Value™: ₫34,518.56 vs. price of ₫32,200.00 (6.7% below fair value)
  • GF Score™: 71/100 with 1 warning sign

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

Address 108 Tran Hung Dao Street, Hoan Kiem District, Hanoi, VNM
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.
71GF Score

Get the complete analysis for STC:CTG

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

₫32,200.00
Price
₫34,518.56
GF Value