VietCredit Finance JSC (HSTC:TIN) FCF Margin %: -28.58% (As of Mar. 2026)


HSTC:TIN VietCredit Finance JSC HSTC:TIN
29 GF Score
Price ₫123,900.00
! 1 Warning Sign
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What is VietCredit Finance JSC FCF Margin %?

VietCredit Finance JSC HSTC:TIN -0.72% 29 FCF Margin % is -28.58% as of Mar. 2026. GuruFocus rates HSTC:TIN with a GF Score™ of 29/100. The stock has 1 warning sign investors should review. Among 1,505 Banks companies, VietCredit Finance JSC ranks worse than 65.85% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. VietCredit Finance JSC's Free Cash Flow for the three months ended in Mar. 2026 was ₫-340,452 Mil. VietCredit Finance JSC's Revenue for the three months ended in Mar. 2026 was ₫1,191,338 Mil. Therefore, VietCredit Finance JSC's FCF Margin % for the quarter that ended in Mar. 2026 was -28.58%.

As of today, VietCredit Finance JSC's current FCF Yield % is 3.64%.

The historical rank and industry rank for VietCredit Finance JSC's FCF Margin % or its related term are showing as below:

HSTC:TIN' s FCF Margin % Range Over the Past 10 Years
Min: -32.22   Med: 5.24   Max: 42.7
Current: 11.45

During the past 2 years, the highest FCF Margin % of VietCredit Finance JSC was 42.70%. The lowest was -32.22%. And the median was 5.24%.

HSTC:TIN's FCF Margin % is ranked worse than
65.85% of 1505 companies
in the Banks industry
Industry Median: 26.55 vs HSTC:TIN: 11.45

VietCredit Finance JSC FCF Margin % Related Terms

VietCredit Finance JSC FCF Margin % Historical Data

* Premium members only.

The historical data trend for VietCredit Finance JSC's FCF Margin % 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.

VietCredit Finance JSC FCF Margin % Chart

VietCredit Finance JSC Annual Data
Trend Dec24 Dec25
FCF Margin %
-32.22 42.70

VietCredit Finance JSC Quarterly Data
Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Margin % Get a 7-Day Free Trial Premium Member Only 121.09 146.92 -168.15 110.41 -28.58

VietCredit Finance JSC FCF Margin % Competitor Comparison

For the Banks - Regional subindustry, VietCredit Finance JSC's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, VietCredit Finance JSC's FCF Margin % distribution charts can be found below:

* The bar in red indicates where VietCredit Finance JSC's FCF Margin % falls into.


HSTC:TIN
29GF Score
VietCredit Finance JSC HSTC:TIN
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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VietCredit Finance JSC FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

VietCredit Finance JSC's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=1166257.74/2731168.749
=42.70 %

VietCredit Finance JSC's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=-340452.269/1191337.557
=-28.58 %

* 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 FCF Margin % →
What does a FCF Margin % of -28.58% mean?
VietCredit Finance JSC (HSTC:TIN) has a FCF Margin % of -28.58% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on VietCredit Finance JSC and its competitors. According to the industry distribution chart, VietCredit Finance JSC ranks #991 out of 1505 companies in the Banks industry, placing it in the top 65.8%.
Is VietCredit Finance JSC's FCF Margin % too high?
VietCredit Finance JSC's current FCF Margin % is -28.58%. Based on the distribution chart, VietCredit Finance JSC ranks #991 out of 1505 companies in the Banks industry, which is below the industry midpoint. 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 FCF Margin % compare to competitors?
According to the Banks industry distribution chart, VietCredit Finance JSC ranks #991 out of 1505 companies for FCF Margin %. This places VietCredit Finance JSC in the lower half of its industry. The industry median FCF Margin % is 26.55. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on VietCredit Finance JSC and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. VietCredit Finance JSC's current FCF Margin % is -28.58%. 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 FCF Margin % of -28.58%. The current FCF Margin % is -28.58%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For VietCredit Finance JSC (HSTC:TIN), the current FCF Margin % is -28.58% as of Mar. 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 Business Description

Address No. 98 Hoang Quoc Viet, 9th Floor, V.E.T Tower, Nghia Do Ward, Hanoi, VNM
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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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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