Vietnam Prosperity JSC Bank (STC:VPB) EV-to-FCF: 8.94 (As of Sep. 20, 2026) — 26% Above Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

STC:VPB Vietnam Prosperity JSC Bank STC:VPB
78 GF Score
Price ₫27,450.00
GF Value ₫47,857.60
Valuation Significantly Undervalued
! 2 Warning Signs
View Full Analysis

What is Vietnam Prosperity JSC Bank EV-to-FCF?

Vietnam Prosperity JSC Bank STC:VPB -2.66% 78 EV-to-FCF is 8.94 as of Sep. 20, 2026, which is 26% above its 10-year median of 7.09. GuruFocus rates STC:VPB with a GF Score™ of 78/100 and a GF Value™ of ₫47,857.60 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,177 Banks companies, Vietnam Prosperity JSC Bank ranks better than 53.19% on this metric.

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Vietnam Prosperity JSC Bank's Enterprise Value is ₫320,524,004 Mil. Vietnam Prosperity JSC Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was ₫35,849,869 Mil. Therefore, Vietnam Prosperity JSC Bank's EV-to-FCF for today is 8.94.

The historical rank and industry rank for Vietnam Prosperity JSC Bank's EV-to-FCF or its related term are showing as below:

STC:VPB' s EV-to-FCF Range Over the Past 10 Years
Min: -93.76   Med: 7.09   Max: 440.49
Current: 6.68

During the past 13 years, the highest EV-to-FCF of Vietnam Prosperity JSC Bank was 440.49. The lowest was -93.76. And the median was 7.09.

STC:VPB's EV-to-FCF is ranked better than
53.19% of 1177 companies
in the Banks industry
Industry Median: 7.35 vs STC:VPB: 6.68

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.

As of today (2026-09-20), Vietnam Prosperity JSC Bank's stock price is ₫27450.00. Vietnam Prosperity JSC Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was ₫3758.029. Therefore, Vietnam Prosperity JSC Bank's PE Ratio (TTM) for today is 7.30.


Vietnam Prosperity JSC Bank  (STC:VPB) 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.

Vietnam Prosperity JSC Bank's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=27450.00/3758.029
=7.30

Vietnam Prosperity JSC Bank's share price for today is ₫27450.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Vietnam Prosperity JSC Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was ₫3758.029.

* 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.


Vietnam Prosperity JSC Bank EV-to-FCF Related Terms


Vietnam Prosperity JSC Bank EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Vietnam Prosperity JSC Bank's EV-to-FCF can be seen below:

* 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 Prosperity JSC Bank EV-to-FCF Chart

Vietnam Prosperity JSC Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -54.53 17.51 14.84 26.33 16.30

Vietnam Prosperity JSC Bank Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
EV-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 18.14 26.33 13.64 16.30 20.32

Vietnam Prosperity JSC Bank EV-to-FCF Competitor Comparison

For the Banks - Regional subindustry, Vietnam Prosperity JSC 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.


Vietnam Prosperity JSC Bank EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Vietnam Prosperity JSC Bank's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where Vietnam Prosperity JSC Bank's EV-to-FCF falls into.


STC:VPB
78GF Score
Vietnam Prosperity JSC Bank STC:VPB
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Vietnam Prosperity JSC Bank EV-to-FCF Calculation

Vietnam Prosperity JSC Bank's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=320524003.847/35849869
=8.94

Vietnam Prosperity JSC Bank's current Enterprise Value is ₫320,524,004 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Vietnam Prosperity JSC Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was ₫35,849,869 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.

Frequently Asked Questions Learn more about EV-to-FCF →
What does a EV-to-FCF of 8.94 mean?
Vietnam Prosperity JSC Bank (STC:VPB) has a EV-to-FCF of 8.94 as of Sep. 20, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Vietnam Prosperity JSC Bank and its competitors. This is 26% above median its historical median of 7.09. According to the industry distribution chart, Vietnam Prosperity JSC Bank ranks #551 out of 1177 companies in the Banks industry, placing it in the top 46.8%.
Is Vietnam Prosperity JSC Bank's EV-to-FCF too high?
Vietnam Prosperity JSC Bank's current EV-to-FCF of 8.94 is 26% above median its 10-year median of 7.09. The Banks industry median EV-to-FCF is 7.35. Vietnam Prosperity JSC Bank's value of 8.94 is 21.6% above this industry median. Based on the distribution chart, Vietnam Prosperity JSC Bank ranks #551 out of 1177 companies in the Banks industry, which is above the industry midpoint. Overall, Vietnam Prosperity JSC Bank has a GF Score™ of 78/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Vietnam Prosperity JSC Bank's EV-to-FCF compare to competitors?
According to the Banks industry distribution chart, Vietnam Prosperity JSC Bank ranks #551 out of 1177 companies for EV-to-FCF. This puts Vietnam Prosperity JSC Bank in the upper half of its industry. The industry median EV-to-FCF is 7.35. Vietnam Prosperity JSC Bank's value of 8.94 is 21.6% above this benchmark. While the company's 10-year median is 7.09 vs. the industry median of 7.35, Vietnam Prosperity JSC 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.35, based on 1,177 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. Vietnam Prosperity JSC Bank's current EV-to-FCF of 8.94 is 21.6% 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 Vietnam Prosperity JSC Bank and its competitors. For the Banks industry, the median EV-to-FCF is 7.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vietnam Prosperity JSC Bank's current EV-to-FCF is 8.94, which is 26% above median its own 10-year median of 7.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vietnam Prosperity JSC Bank stock overvalued right now?
Based on GuruFocus' analysis, Vietnam Prosperity JSC Bank (STC:VPB) is currently considered Significantly Undervalued. The stock's GF Value™ is ₫47,857.60, compared to a current price of ₫27,450.00 — trading 42.6% below its estimated fair value. The current EV-to-FCF is 8.94, which is 26% above median its 10-year median of 7.09 and 21.6% above the Banks industry median of 7.35. Vietnam Prosperity JSC Bank's overall GF Score™ is 78/100 with 2 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 Vietnam Prosperity JSC Bank (STC:VPB), the current EV-to-FCF is 8.94 as of Sep. 20, 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 Prosperity JSC Bank (STC:VPB) Overvalued in 2026?

Based on GuruFocus' analysis, Vietnam Prosperity JSC Bank stock appears to be undervalued. The current stock price of ₫27,450.00 is trading 42.6% below its estimated GF Value™ of ₫47,857.60. GuruFocus considers Vietnam Prosperity JSC Bank to be Significantly Undervalued.

Key valuation signals for STC:VPB:

  • EV-to-FCF: 8.94 (26% above median its 10-year median of 7.09)
  • GF Value™: ₫47,857.60 vs. price of ₫27,450.00 (42.6% below fair value)
  • GF Score™: 78/100 with 2 warning signs
  • Industry Position: 21.6% above the Banks median (#551 of 1177)

No single metric tells the full story. See the STC:VPB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Vietnam Prosperity JSC Bank Business Description

Address No. 89 Lang Ha Street, Lang Ha Ward, Dong Da District, Hanoi, VNM
Vietnam Prosperity JSC Bank is engaged in offering banking services in Vietnam. The firm offers personal services, cards, e-banking services, insurance, and other financial services for household and small and medium enterprises. Its segment includes Banking; Finance company and Asset and liabilities management. The company generates maximum revenue from the Banking segment.
78GF Score

Get the complete analysis for STC:VPB

EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫27,450.00
Price
₫47,857.60
GF Value