* 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.
Sai Gon - Hanoi Commercial Joint Stock Bank FCF Margin % Chart
Sai Gon - Hanoi Commercial Joint Stock Bank Annual Data
Sai Gon - Hanoi Commercial Joint Stock Bank FCF Margin % Competitor Comparison
For the Banks - Regional subindustry, Sai Gon - Hanoi Commercial Joint Stock Bank'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.
Sai Gon - Hanoi Commercial Joint Stock 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.
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) has a FCF Margin % of 234.56% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors. This is 215% above median its historical median of 74.44. According to the industry distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #180 out of 1505 companies in the Banks industry, placing it in the top 12%.
Is Sai Gon - Hanoi Commercial Joint Stock Bank's FCF Margin % too high?
Sai Gon - Hanoi Commercial Joint Stock Bank's current FCF Margin % of 234.56% is 215% above median its 10-year median of 74.44. The Banks industry median FCF Margin % is 26.42. Sai Gon - Hanoi Commercial Joint Stock Bank's value of 234.56% is 787.8% above this industry median. Based on the distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #180 out of 1505 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Sai Gon - Hanoi Commercial Joint Stock Bank has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sai Gon - Hanoi Commercial Joint Stock Bank's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #180 out of 1505 companies for FCF Margin %. This places Sai Gon - Hanoi Commercial Joint Stock Bank in the top 12% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.42. Sai Gon - Hanoi Commercial Joint Stock Bank's value of 234.56% is 787.8% above this benchmark. While the company's 10-year median is 74.44 vs. the industry median of 26.42, Sai Gon - Hanoi Commercial Joint Stock 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, 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. Sai Gon - Hanoi Commercial Joint Stock Bank's current FCF Margin % of 234.56% is 787.8% 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 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 Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sai Gon - Hanoi Commercial Joint Stock Bank's current FCF Margin % is 234.56%, which is 215% above median its own 10-year median of 74.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sai Gon - Hanoi Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) is currently considered Fairly Valued. The stock's GF Value™ is ₫14,301.11, compared to a current price of ₫13,650.00 — trading 4.6% below its estimated fair value. The current FCF Margin % is 234.56%, which is 215% above median its 10-year median of 74.44 and 787.8% above the Banks industry median of 26.42. Sai Gon - Hanoi Commercial Joint Stock Bank's overall GF Score™ is 65/100 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 Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB), the current FCF Margin % is 234.56% 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 Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) Overvalued in 2026?
Based on GuruFocus' analysis, Sai Gon - Hanoi Commercial Joint Stock Bank stock appears to be undervalued.
The current stock price of ₫13,650.00 is trading 4.6% below its estimated GF Value™ of ₫14,301.11.
GuruFocus considers Sai Gon - Hanoi Commercial Joint Stock Bank to be Fairly Valued.
Key valuation signals for STC:SHB:
FCF Margin %: 234.56% (215% above median its 10-year median of 74.44)
GF Value™: ₫14,301.11 vs. price of ₫13,650.00 (4.6% below fair value)
Industry Position: 787.8% above the Banks median (#180 of 1505)
No single metric tells the full story. See the STC:SHB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sai Gon - Hanoi Commercial Joint Stock Bank Business Description
Sai Gon - Hanoi Commercial Joint Stock Bank is a Vietnam-based banking corporation. It offers various banking services to its customers, including retail banking, corporate banking, and other banking-related services. Its products and services include savings, current accounts, money transfer services, E-banking, guarantee service, and forex trading and treasury services. It also provides credit in the form of car loans, rubber loans, agricultural product loans, business overdrafts, and medium and long-term loans and credit facilities. The company operates in four reportable segments: credit, investment, services, and treasury. The primary source of its revenue is interest income, commission, and fees received by providing advisory and financial services to the customer.
65GF Score
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