Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Vietnam Technological and Commercial Joint Stock bank (STC:TCB) 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%.
Vietnam Technological and Commercial Joint Stock bank Equity-to-Asset Related Terms
Vietnam Technological and 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.
Vietnam Technological and Commercial Joint Stock bank Equity-to-Asset Chart
Vietnam Technological and Commercial Joint Stock bank 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.
Vietnam Technological and Commercial Joint Stock bank Equity-to-Asset vs Banks Industry
Vietnam Technological and 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.
Vietnam Technological and Commercial Joint Stock bank (STC:TCB) has a Equity-to-Asset of 0.14 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Vietnam Technological and Commercial Joint Stock bank and its competitors. This is 13% below median its historical median of 0.16. Over the past decade, Vietnam Technological and Commercial Joint Stock bank's Equity-to-Asset has ranged from 0.08 to 0.18. According to the industry distribution chart, Vietnam Technological and Commercial Joint Stock bank ranks #255 out of 1525 companies in the Banks industry, placing it in the top 16.7%.
Is Vietnam Technological and Commercial Joint Stock bank's Equity-to-Asset too high?
Vietnam Technological and Commercial Joint Stock bank's current Equity-to-Asset of 0.14 is 13% below median its 10-year median of 0.16. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.18. The Banks industry median Equity-to-Asset is 0.10. Vietnam Technological and Commercial Joint Stock bank's value of 0.14 is 40% above this industry median. Based on the distribution chart, Vietnam Technological and Commercial Joint Stock bank ranks #255 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Vietnam Technological and Commercial Joint Stock bank has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Vietnam Technological and Commercial Joint Stock bank's Equity-to-Asset compare to competitors?
According to the Banks industry distribution chart, Vietnam Technological and Commercial Joint Stock bank ranks #255 out of 1525 companies for Equity-to-Asset. This places Vietnam Technological and Commercial Joint Stock bank in the top 17% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Vietnam Technological and Commercial Joint Stock bank's value of 0.14 is 40% above this benchmark. Historically, Vietnam Technological and Commercial Joint Stock bank's own Equity-to-Asset has ranged from 0.08 to 0.18 over the past decade. While the company's 10-year median is 0.16 vs. the industry median of 0.10, Vietnam Technological and 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 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. Vietnam Technological and Commercial Joint Stock bank's current Equity-to-Asset of 0.14 is 40% 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 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 Vietnam Technological and 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. Vietnam Technological and Commercial Joint Stock bank's current Equity-to-Asset is 0.14, which is 13% below median its own 10-year median of 0.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vietnam Technological and Commercial Joint Stock bank stock overvalued right now?
Based on GuruFocus' analysis, Vietnam Technological and Commercial Joint Stock bank (STC:TCB) is currently considered Fairly Valued. The stock's GF Value™ is ₫31,057.36, compared to a current price of ₫29,700.00 — trading 4.4% below its estimated fair value. The current Equity-to-Asset is 0.14, which is 13% below median its 10-year median of 0.16 and 40% above the Banks industry median of 0.10. Vietnam Technological and Commercial Joint Stock bank's overall GF Score™ is 80/100 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 Vietnam Technological and Commercial Joint Stock bank (STC:TCB), the current Equity-to-Asset is 0.14 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 Vietnam Technological and Commercial Joint Stock bank (STC:TCB) Overvalued in 2026?
Based on GuruFocus' analysis, Vietnam Technological and Commercial Joint Stock bank stock appears to be undervalued.
The current stock price of ₫29,700.00 is trading 4.4% below its estimated GF Value™ of ₫31,057.36.
GuruFocus considers Vietnam Technological and Commercial Joint Stock bank to be Fairly Valued.
Key valuation signals for STC:TCB:
Equity-to-Asset: 0.14 (13% below median its 10-year median of 0.16)
GF Value™: ₫31,057.36 vs. price of ₫29,700.00 (4.4% below fair value)
Industry Position: 40% above the Banks median (#255 of 1525)
No single metric tells the full story. See the STC:TCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vietnam Technological and Commercial Joint Stock bank The principal activities of the Bank are mobilizing and receiving short, medium and long-term deposit funds from organizations and individuals; lending on short, medium and long-term basis; conducting settlement and cash services and other banking services as approved by the SBV; conducting investments in subsidiaries, associates, joint-ventures and other companies; conducting investments in bonds and dealing in foreign exchange as per regulations.
80GF Score
Get the complete analysis for STC:TCB
Equity-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STC:TCB has been successfully added to your 
