VietCredit Finance JSCHSTC:TIN -2.43%29 EV-to-FCF is 18.63 as of Jul. 07, 2026, which is 10% above its 10-year median of 16.86. GuruFocus rates HSTC:TIN with a GF Score™ of 29/100. The stock has 1 warning sign investors should review. Among 1,195 Banks companies, VietCredit Finance JSC ranks worse than 81% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, VietCredit Finance JSC's Enterprise Value is ₫7,706,555 Mil.
VietCredit Finance JSC's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₫413,751 Mil. Therefore, VietCredit Finance JSC's EV-to-FCF for today is 18.63.
The historical rank and industry rank for VietCredit Finance JSC's EV-to-FCF or its related term are showing as below:
HSTC:TIN'
s EV-to-FCF Range Over the Past 10 Years
Min: -9.57 Med: 16.86 Max: 60.22
Current: 18.63
During the past 2 years, the highest EV-to-FCF of VietCredit Finance JSC was 60.22. The lowest was -9.57. And the median was 16.86.
HSTC:TIN's EV-to-FCF is ranked worse than 81% of 1195
companies
in the Banks industry
Industry Median: 6.57
vs HSTC:TIN: 18.63
EV-to-FCF 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.
EV-to-FCF 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.
VietCredit Finance JSC's PE Ratio (TTM) for today is calculated as:
VietCredit Finance JSC's share price for today is ₫100500.00.
VietCredit Finance JSC's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₫15995.000.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Regional subindustry, VietCredit Finance JSC's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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.
VietCredit Finance JSC EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, VietCredit Finance JSC's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where VietCredit Finance JSC's EV-to-FCF falls into.
VietCredit Finance JSC's current Enterprise Value is ₫7,706,555 Mil.
VietCredit Finance JSC's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₫413,751 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.
VietCredit Finance JSC (HSTC:TIN) has a EV-to-FCF of 18.63 as of Jul. 07, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on VietCredit Finance JSC and its competitors. This is 10% above median its historical median of 16.86. According to the industry distribution chart, VietCredit Finance JSC ranks #968 out of 1195 companies in the Banks industry, placing it in the top 81%.
Is VietCredit Finance JSC's EV-to-FCF too high?
VietCredit Finance JSC's current EV-to-FCF of 18.63 is 10% above median its 10-year median of 16.86. The Banks industry median EV-to-FCF is 6.57. VietCredit Finance JSC's value of 18.63 is 183.6% above this industry median. Based on the distribution chart, VietCredit Finance JSC ranks #968 out of 1195 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, VietCredit Finance JSC has a GF Score™ of 29/100, reflecting its overall financial health beyond just this single metric.
How does VietCredit Finance JSC's EV-to-FCF compare to competitors?
According to the Banks industry distribution chart, VietCredit Finance JSC ranks #968 out of 1195 companies for EV-to-FCF. This places VietCredit Finance JSC in the lower half of its industry. The industry median EV-to-FCF is 6.57. VietCredit Finance JSC's value of 18.63 is 183.6% above this benchmark. While the company's 10-year median is 16.86 vs. the industry median of 6.57, VietCredit Finance JSC 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,195 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. VietCredit Finance JSC's current EV-to-FCF of 18.63 is 183.6% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on VietCredit Finance JSC and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. VietCredit Finance JSC's current EV-to-FCF is 18.63, which is 10% above median its own 10-year median of 16.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VietCredit Finance JSC stock overvalued right now?
VietCredit Finance JSC (HSTC:TIN) has a current EV-to-FCF of 18.63. The current EV-to-FCF is 18.63, which is 10% above median its 10-year median of 16.86 and 183.6% above the Banks industry median of 6.57. VietCredit Finance JSC's overall GF Score™ is 29/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For VietCredit Finance JSC (HSTC:TIN), the current EV-to-FCF is 18.63 as of Jul. 07, 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.
VietCredit Finance JSC is engaged in providing financial services under its Establishment and Operation License, including mobilising and receiving term deposits from organisations, granting short, medium, and long-term loans and consumption loans to organisations and individuals based on its capital sources, and conducting foreign currency trading, treasury services, and other cash services as approved by the SBV. Its products include credit cards, certificates of deposit, and small business loans.
29GF Score
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