STC:STB's EV-to-FCF is ranked better than 74.06% of 1195
companies
in the Banks industry
Industry Median: 6.52
vs STC:STB: 1.34
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.
Saigon Treasure Commercial Joint Stock Bank (STC:STB) EV-to-FCF Explanation
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.
Saigon Treasure Commercial Joint Stock Bank's PE Ratio (TTM) for today is calculated as:
Saigon Treasure Commercial Joint Stock Bank's share price for today is ₫73700.00.
Saigon Treasure Commercial Joint Stock Bank'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 ₫4067.831.
* 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.
Saigon Treasure Commercial Joint Stock Bank EV-to-FCF Related Terms
Saigon Treasure Commercial Joint Stock Bank EV-to-FCF 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.
Saigon Treasure Commercial Joint Stock Bank EV-to-FCF Chart
Saigon Treasure Commercial Joint Stock Bank Annual Data
Saigon Treasure Commercial Joint Stock Bank EV-to-FCF Competitor Comparison
For the Banks - Regional subindustry, Saigon Treasure Commercial Joint Stock Bank'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.
Saigon Treasure Commercial Joint Stock Bank EV-to-FCF vs Banks Industry
Saigon Treasure Commercial Joint Stock Bank's current Enterprise Value is ₫52,928,479 Mil.
Saigon Treasure Commercial Joint Stock Bank'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 ₫37,560,364 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.
Saigon Treasure Commercial Joint Stock Bank (STC:STB) has a EV-to-FCF of 1.41 as of Jun. 27, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Saigon Treasure Commercial Joint Stock Bank and its competitors. This is 422% above median its historical median of 0.27. According to the industry distribution chart, Saigon Treasure Commercial Joint Stock Bank ranks #310 out of 1195 companies in the Banks industry, placing it in the top 25.9%.
Is Saigon Treasure Commercial Joint Stock Bank's EV-to-FCF too high?
Saigon Treasure Commercial Joint Stock Bank's current EV-to-FCF of 1.41 is 422% above median its 10-year median of 0.27. The Banks industry median EV-to-FCF is 6.52. Saigon Treasure Commercial Joint Stock Bank's value of 1.41 is 78.4% below this industry median. Based on the distribution chart, Saigon Treasure Commercial Joint Stock Bank ranks #310 out of 1195 companies in the Banks industry, which is above the industry midpoint. Overall, Saigon Treasure Commercial Joint Stock Bank has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Saigon Treasure Commercial Joint Stock Bank's EV-to-FCF compare to competitors?
According to the Banks industry distribution chart, Saigon Treasure Commercial Joint Stock Bank ranks #310 out of 1195 companies for EV-to-FCF. This puts Saigon Treasure Commercial Joint Stock Bank in the upper half of its industry. The industry median EV-to-FCF is 6.52. Saigon Treasure Commercial Joint Stock Bank's value of 1.41 is 78.4% below this benchmark. While the company's 10-year median is 0.27 vs. the industry median of 6.52, Saigon Treasure 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.52, 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. Saigon Treasure Commercial Joint Stock Bank's current EV-to-FCF of 1.41 is 78.4% 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 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 Saigon Treasure Commercial Joint Stock Bank and its competitors. For the Banks industry, the median EV-to-FCF is 6.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Saigon Treasure Commercial Joint Stock Bank's current EV-to-FCF is 1.41, which is 422% above median its own 10-year median of 0.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Saigon Treasure Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Saigon Treasure Commercial Joint Stock Bank (STC:STB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₫51,722.93, compared to a current price of ₫73,700.00 — trading 42.5% above its estimated fair value. The current EV-to-FCF is 1.41, which is 422% above median its 10-year median of 0.27 and 78.4% below the Banks industry median of 6.52. Saigon Treasure Commercial Joint Stock Bank's overall GF Score™ is 71/100 with 5 warning signs 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 Saigon Treasure Commercial Joint Stock Bank (STC:STB), the current EV-to-FCF is 1.41 as of Jun. 27, 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 Saigon Treasure Commercial Joint Stock Bank (STC:STB) Overvalued in 2026?
Based on GuruFocus' analysis, Saigon Treasure Commercial Joint Stock Bank stock appears to be overvalued.
The current stock price of ₫73,700.00 is trading 42.5% above its estimated GF Value™ of ₫51,722.93.
GuruFocus considers Saigon Treasure Commercial Joint Stock Bank to be Significantly Overvalued.
Key valuation signals for STC:STB:
EV-to-FCF: 1.41 (422% above median its 10-year median of 0.27)
GF Value™: ₫51,722.93 vs. price of ₫73,700.00 (42.5% above fair value)
Industry Position: 78.4% below the Banks median (#310 of 1195)
No single metric tells the full story. See the STC:STB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Saigon Treasure Commercial Joint Stock Bank Business Description
Saigon Treasure Commercial Joint Stock Bank is a Vietnam-based company that provides commercial banking services. Its principal activities are to mobilize short, medium, and long-term capital in the form of time deposits, demand deposits, certificates of deposit, receive capital from local and overseas financial institutions, grant short, medium, and long-term loans, investments in associate, joint-ventures, and other companies. The company also provides settlement services to customers, deals in foreign exchange & gold, provides international settlements services, invests in bonds, & offers other banking services. Geographically, the company operates in the Northern Region, the Central Region, and the Southern Region, & the majority of its revenue is generated from the Southern Region.
71GF Score
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