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Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Joint Stock Commercial Bank for Investment and Development of Vietnam Equity-to-Asset Related Terms
Joint Stock Commercial Bank for Investment and Development of Vietnam Equity-to-Asset Historical Data
* 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.
Joint Stock Commercial Bank for Investment and Development of Vietnam Equity-to-Asset Chart
Joint Stock Commercial Bank for Investment and Development of Vietnam Annual Data
* 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.
Joint Stock Commercial Bank for Investment and Development of Vietnam Equity-to-Asset vs Banks Industry
Joint Stock Commercial Bank for Investment and Development of Vietnam Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
* 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.
Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) has a Equity-to-Asset of 0.06 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Joint Stock Commercial Bank for Investment and Development of Vietnam and its competitors. This is 20% above median its historical median of 0.05. Over the past decade, Joint Stock Commercial Bank for Investment and Development of Vietnam's Equity-to-Asset has ranged from 0.04 to 0.06. According to the industry distribution chart, Joint Stock Commercial Bank for Investment and Development of Vietnam ranks #1290 out of 1524 companies in the Banks industry, placing it in the top 84.6%.
Is Joint Stock Commercial Bank for Investment and Development of Vietnam's Equity-to-Asset too high?
Joint Stock Commercial Bank for Investment and Development of Vietnam's current Equity-to-Asset of 0.06 is 20% above median its 10-year median of 0.05. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.06. The Banks industry median Equity-to-Asset is 0.10. Joint Stock Commercial Bank for Investment and Development of Vietnam's value of 0.06 is 40% below this industry median. Based on the distribution chart, Joint Stock Commercial Bank for Investment and Development of Vietnam ranks #1290 out of 1524 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Joint Stock Commercial Bank for Investment and Development of Vietnam has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Joint Stock Commercial Bank for Investment and Development of Vietnam's Equity-to-Asset compare to competitors?
According to the Banks industry distribution chart, Joint Stock Commercial Bank for Investment and Development of Vietnam ranks #1290 out of 1524 companies for Equity-to-Asset. This places Joint Stock Commercial Bank for Investment and Development of Vietnam in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Joint Stock Commercial Bank for Investment and Development of Vietnam's value of 0.06 is 40% below this benchmark. Historically, Joint Stock Commercial Bank for Investment and Development of Vietnam's own Equity-to-Asset has ranged from 0.04 to 0.06 over the past decade. While the company's 10-year median is 0.05 vs. the industry median of 0.10, Joint Stock Commercial Bank for Investment and Development of Vietnam has consistently been below 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Joint Stock Commercial Bank for Investment and Development of Vietnam's current Equity-to-Asset of 0.06 is 40% below 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Joint Stock Commercial Bank for Investment and Development of Vietnam and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Joint Stock Commercial Bank for Investment and Development of Vietnam's current Equity-to-Asset is 0.06, which is 20% above median its own 10-year median of 0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Joint Stock Commercial Bank for Investment and Development of Vietnam stock overvalued right now?
Based on GuruFocus' analysis, Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫47,313.21, compared to a current price of ₫39,100.00 — trading 17.4% below its estimated fair value. The current Equity-to-Asset is 0.06, which is 20% above median its 10-year median of 0.05 and 40% below the Banks industry median of 0.10. Joint Stock Commercial Bank for Investment and Development of Vietnam's overall GF Score™ is 74/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID), the current Equity-to-Asset is 0.06 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 Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) Overvalued in 2026?
Based on GuruFocus' analysis, Joint Stock Commercial Bank for Investment and Development of Vietnam stock appears to be undervalued.
The current stock price of ₫39,100.00 is trading 17.4% below its estimated GF Value™ of ₫47,313.21.
GuruFocus considers Joint Stock Commercial Bank for Investment and Development of Vietnam to be Modestly Undervalued.
Key valuation signals for STC:BID:
Equity-to-Asset: 0.06 (20% above median its 10-year median of 0.05)
GF Value™: ₫47,313.21 vs. price of ₫39,100.00 (17.4% below fair value)
Industry Position: 40% below the Banks median (#1290 of 1524)
No single metric tells the full story. See the STC:BID stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Joint Stock Commercial Bank for Investment and Development of Vietnam is one of the leading commercial banks based in Vietnam. It is a leading provider of products and modern banking services and utilities such as loans, deposits, savings and current account. Its secondary offerings include insurance products of all types such as life and non-life insurance. Its add on services include a variety of brokerage services, investment advice and contribution to established enterprises to invest various projects. The bank's distribution network spans predominantly across Vietnam and a few countries abroad such as Laos, Cambodia, Myanmar, Russia and Czech Republic.
74GF Score
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