* 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.
Joint Stock Commercial Bank for Investment and Development of Vietnam FCF Margin % Chart
Joint Stock Commercial Bank for Investment and Development of Vietnam 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.
Joint Stock Commercial Bank for Investment and Development of Vietnam FCF Margin % vs Banks Industry
* 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.
Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) has a FCF Margin % of 4.38% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Joint Stock Commercial Bank for Investment and Development of Vietnam and its competitors. This is 95% below median its historical median of 86.98. According to the industry distribution chart, Joint Stock Commercial Bank for Investment and Development of Vietnam ranks #130 out of 1509 companies in the Banks industry, placing it in the top 8.6%.
Is Joint Stock Commercial Bank for Investment and Development of Vietnam's FCF Margin % too high?
Joint Stock Commercial Bank for Investment and Development of Vietnam's current FCF Margin % of 4.38% is 95% below median its 10-year median of 86.98. The Banks industry median FCF Margin % is 26.55. Joint Stock Commercial Bank for Investment and Development of Vietnam's value of 4.38% is 83.5% below this industry median. Based on the distribution chart, Joint Stock Commercial Bank for Investment and Development of Vietnam ranks #130 out of 1509 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Joint Stock Commercial Bank for Investment and Development of Vietnam has a GF Score™ of 85/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Joint Stock Commercial Bank for Investment and Development of Vietnam's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Joint Stock Commercial Bank for Investment and Development of Vietnam ranks #130 out of 1509 companies for FCF Margin %. This places Joint Stock Commercial Bank for Investment and Development of Vietnam in the top 9% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.55. Joint Stock Commercial Bank for Investment and Development of Vietnam's value of 4.38% is 83.5% below this benchmark. While the company's 10-year median is 86.98 vs. the industry median of 26.55, Joint Stock Commercial Bank for Investment and Development of Vietnam 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,509 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. Joint Stock Commercial Bank for Investment and Development of Vietnam's current FCF Margin % of 4.38% is 83.5% 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 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 Joint Stock Commercial Bank for Investment and Development of Vietnam 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. Joint Stock Commercial Bank for Investment and Development of Vietnam's current FCF Margin % is 4.38%, which is 95% below median its own 10-year median of 86.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Joint Stock Commercial Bank for Investment and Development of Vietnam stock overvalued right now?
Based on GuruFocus' analysis, Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫47,178.25, compared to a current price of ₫41,700.00 — trading 11.6% below its estimated fair value. The current FCF Margin % is 4.38%, which is 95% below median its 10-year median of 86.98 and 83.5% below the Banks industry median of 26.55. Joint Stock Commercial Bank for Investment and Development of Vietnam's overall GF Score™ is 85/100 with 2 warning signs 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 Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID), the current FCF Margin % is 4.38% 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.
Is Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) Overvalued in 2026?
Based on GuruFocus' analysis, Joint Stock Commercial Bank for Investment and Development of Vietnam stock appears to be undervalued.
The current stock price of ₫41,700.00 is trading 11.6% below its estimated GF Value™ of ₫47,178.25.
GuruFocus considers Joint Stock Commercial Bank for Investment and Development of Vietnam to be Modestly Undervalued.
Key valuation signals for STC:BID:
FCF Margin %: 4.38% (95% below median its 10-year median of 86.98)
GF Value™: ₫47,178.25 vs. price of ₫41,700.00 (11.6% below fair value)
Industry Position: 83.5% below the Banks median (#130 of 1509)
No single metric tells the full story. See the STC:BID stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Joint Stock Commercial Bank for Investment and Development of Vietnam Business Description
Joint Stock Commercial Bank for Investment and Development of Vietnam is one of the leading commercial banks based in Vietnam. It is a leading provider of products and modern banking services and utilities such as loans, deposits, savings and current account. Its secondary offerings include insurance products of all types such as life and non-life insurance. Its add on services include a variety of brokerage services, investment advice and contribution to established enterprises to invest various projects. The bank's distribution network spans predominantly across Vietnam and a few countries abroad such as Laos, Cambodia, Myanmar, Russia and Czech Republic.
85GF Score
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