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Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) 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%.
Sai Gon - Hanoi Commercial Joint Stock Bank Equity-to-Asset Related Terms
Sai Gon - Hanoi Commercial Joint Stock Bank 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.
Sai Gon - Hanoi Commercial Joint Stock Bank Equity-to-Asset Chart
Sai Gon - Hanoi Commercial Joint Stock Bank Annual Data
Sai Gon - Hanoi Commercial Joint Stock Bank Equity-to-Asset Competitor Comparison
For the Banks - Regional subindustry, Sai Gon - Hanoi Commercial Joint Stock Bank's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
Sai Gon - Hanoi Commercial Joint Stock Bank 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.
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) has a Equity-to-Asset of 0.08 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors. This is 33% above median its historical median of 0.06. Over the past decade, Sai Gon - Hanoi Commercial Joint Stock Bank's Equity-to-Asset has ranged from 0.05 to 0.09. According to the industry distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #1010 out of 1525 companies in the Banks industry, placing it in the top 66.2%.
Is Sai Gon - Hanoi Commercial Joint Stock Bank's Equity-to-Asset too high?
Sai Gon - Hanoi Commercial Joint Stock Bank's current Equity-to-Asset of 0.08 is 33% above median its 10-year median of 0.06. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.09. The Banks industry median Equity-to-Asset is 0.10. Sai Gon - Hanoi Commercial Joint Stock Bank's value of 0.08 is 20% below this industry median. Based on the distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #1010 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, Sai Gon - Hanoi Commercial Joint Stock Bank has a GF Score™ of 65/100 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 Equity-to-Asset compare to competitors?
According to the Banks industry distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #1010 out of 1525 companies for Equity-to-Asset. This places Sai Gon - Hanoi Commercial Joint Stock Bank in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Sai Gon - Hanoi Commercial Joint Stock Bank's value of 0.08 is 20% below this benchmark. Historically, Sai Gon - Hanoi Commercial Joint Stock Bank's own Equity-to-Asset has ranged from 0.05 to 0.09 over the past decade. While the company's 10-year median is 0.06 vs. the industry median of 0.10, Sai Gon - Hanoi Commercial Joint Stock Bank 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 1,525 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. Sai Gon - Hanoi Commercial Joint Stock Bank's current Equity-to-Asset of 0.08 is 20% 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 Sai Gon - Hanoi Commercial Joint Stock Bank 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. Sai Gon - Hanoi Commercial Joint Stock Bank's current Equity-to-Asset is 0.08, which is 33% above median its own 10-year median of 0.06. 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 ₫13,751.06, compared to a current price of ₫12,000.00 — trading 12.7% below its estimated fair value. The current Equity-to-Asset is 0.08, which is 33% above median its 10-year median of 0.06 and 20% below the Banks industry median of 0.10. Sai Gon - Hanoi Commercial Joint Stock Bank's overall GF Score™ is 65/100 with 3 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 Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB), the current Equity-to-Asset is 0.08 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 ₫12,000.00 is trading 12.7% below its estimated GF Value™ of ₫13,751.06.
GuruFocus considers Sai Gon - Hanoi Commercial Joint Stock Bank to be Modestly Undervalued.
Key valuation signals for STC:SHB:
Equity-to-Asset: 0.08 (33% above median its 10-year median of 0.06)
GF Value™: ₫13,751.06 vs. price of ₫12,000.00 (12.7% below fair value)
Industry Position: 20% below the Banks median (#1010 of 1525)
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.
65GF Score
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