* 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.
Ho Chi Minh City Development Joint Stock Commercial Bank FCF Margin % Chart
Ho Chi Minh City Development Joint Stock Commercial Bank 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.
Ho Chi Minh City Development Joint Stock Commercial Bank 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.
Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) has a FCF Margin % of -3.41% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Ho Chi Minh City Development Joint Stock Commercial Bank and its competitors. According to the industry distribution chart, Ho Chi Minh City Development Joint Stock Commercial Bank ranks #110 out of 1509 companies in the Banks industry, placing it in the top 7.3%.
Is Ho Chi Minh City Development Joint Stock Commercial Bank's FCF Margin % too high?
Ho Chi Minh City Development Joint Stock Commercial Bank's current FCF Margin % is -3.41%. Based on the distribution chart, Ho Chi Minh City Development Joint Stock Commercial Bank ranks #110 out of 1509 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Ho Chi Minh City Development Joint Stock Commercial Bank has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Ho Chi Minh City Development Joint Stock Commercial Bank's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Ho Chi Minh City Development Joint Stock Commercial Bank ranks #110 out of 1509 companies for FCF Margin %. This places Ho Chi Minh City Development Joint Stock Commercial Bank in the top 7% of its industry — outperforming the majority of peers. 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 1,509 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. 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 Ho Chi Minh City Development Joint Stock Commercial Bank 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. Ho Chi Minh City Development Joint Stock Commercial Bank's current FCF Margin % is -3.41%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ho Chi Minh City Development Joint Stock Commercial Bank stock overvalued right now?
Based on GuruFocus' analysis, Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) is currently considered Fairly Valued. The stock's GF Value™ is ₫23,863.51, compared to a current price of ₫25,400.00 — trading 6.4% above its estimated fair value. The current FCF Margin % is -3.41%. Ho Chi Minh City Development Joint Stock Commercial Bank's overall GF Score™ is 77/100 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 Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB), the current FCF Margin % is -3.41% 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 Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) Overvalued in 2026?
Based on GuruFocus' analysis, Ho Chi Minh City Development Joint Stock Commercial Bank stock appears to be overvalued.
The current stock price of ₫25,400.00 is trading 6.4% above its estimated GF Value™ of ₫23,863.51.
GuruFocus considers Ho Chi Minh City Development Joint Stock Commercial Bank to be Fairly Valued.
Key valuation signals for STC:HDB:
FCF Margin %: -3.41%
GF Value™: ₫23,863.51 vs. price of ₫25,400.00 (6.4% above fair value)
No single metric tells the full story. See the STC:HDB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ho Chi Minh City Development Joint Stock Commercial Bank Business Description
Ho Chi Minh City Development Joint Stock Commercial Bank is a Vietnamese commercial bank providing personal and commercial banking services to retail customers, corporations, and investors.
77GF Score
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