Tien Phong Commercial Joint Stock Bank (STC:TPB) FCF Margin %: -157.76% (As of Mar. 2026)


STC:TPB Tien Phong Commercial Joint Stock Bank STC:TPB
76 GF Score
Price ₫16,000.00
GF Value ₫16,535.62
Valuation Fairly Valued
! 4 Warning Signs
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What is Tien Phong Commercial Joint Stock Bank FCF Margin %?

Tien Phong Commercial Joint Stock Bank STC:TPB 76 FCF Margin % is -157.76% as of Mar. 2026. GuruFocus rates STC:TPB with a GF Score™ of 76/100 and a GF Value™ of ₫16,535.62 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,505 Banks companies, Tien Phong Commercial Joint Stock Bank ranks better than 97.01% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Tien Phong Commercial Joint Stock Bank's Free Cash Flow for the three months ended in Mar. 2026 was ₫-7,361,800 Mil. Tien Phong Commercial Joint Stock Bank's Revenue for the three months ended in Mar. 2026 was ₫4,666,506 Mil. Therefore, Tien Phong Commercial Joint Stock Bank's FCF Margin % for the quarter that ended in Mar. 2026 was -157.76%.

As of today, Tien Phong Commercial Joint Stock Bank's current FCF Yield % is 135.14%.

The historical rank and industry rank for Tien Phong Commercial Joint Stock Bank's FCF Margin % or its related term are showing as below:

STC:TPB' s FCF Margin % Range Over the Past 10 Years
Min: -128.29   Med: 41.38   Max: 306.2
Current: 306.2


During the past 8 years, the highest FCF Margin % of Tien Phong Commercial Joint Stock Bank was 306.20%. The lowest was -128.29%. And the median was 41.38%.

STC:TPB's FCF Margin % is ranked better than
97.01% of 1505 companies
in the Banks industry
Industry Median: 26.55 vs STC:TPB: 306.20


Tien Phong Commercial Joint Stock Bank FCF Margin % Related Terms


Tien Phong Commercial Joint Stock Bank FCF Margin % Historical Data

* Premium members only.

The historical data trend for Tien Phong Commercial Joint Stock Bank'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.

Tien Phong Commercial Joint Stock Bank FCF Margin % Chart

Tien Phong Commercial Joint Stock Bank Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial 248.53 -13.65 -50.99 224.19 138.74

Tien Phong Commercial Joint Stock Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Margin % 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 -943.72 459.39 382.60 501.66 -157.76

Tien Phong Commercial Joint Stock Bank FCF Margin % Competitor Comparison

For the Banks - Regional subindustry, Tien Phong 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.


Tien Phong Commercial Joint Stock Bank FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Tien Phong Commercial Joint Stock Bank's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Tien Phong Commercial Joint Stock Bank's FCF Margin % falls into.


STC:TPB
76GF Score
Tien Phong Commercial Joint Stock Bank STC:TPB
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Tien Phong Commercial Joint Stock Bank FCF Margin % Calculation

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

Tien Phong Commercial Joint Stock Bank'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 )
=25793308/18591362
=138.74 %

Tien Phong Commercial Joint Stock Bank'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 )
=-7361800/4666506
=-157.76 %

* 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 -157.76% mean?
Tien Phong Commercial Joint Stock Bank (STC:TPB) has a FCF Margin % of -157.76% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Tien Phong Commercial Joint Stock Bank and its competitors. According to the industry distribution chart, Tien Phong Commercial Joint Stock Bank ranks #45 out of 1505 companies in the Banks industry, placing it in the top 3%.
Is Tien Phong Commercial Joint Stock Bank's FCF Margin % too high?
Tien Phong Commercial Joint Stock Bank's current FCF Margin % is -157.76%. Based on the distribution chart, Tien Phong Commercial Joint Stock Bank ranks #45 out of 1505 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Tien Phong Commercial Joint Stock Bank has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Tien Phong Commercial Joint Stock Bank's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Tien Phong Commercial Joint Stock Bank ranks #45 out of 1505 companies for FCF Margin %. This places Tien Phong Commercial Joint Stock Bank in the top 3% 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 1,505 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 Tien Phong Commercial Joint Stock 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. Tien Phong Commercial Joint Stock Bank's current FCF Margin % is -157.76%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tien Phong Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Tien Phong Commercial Joint Stock Bank (STC:TPB) is currently considered Fairly Valued. The stock's GF Value™ is ₫16,535.62, compared to a current price of ₫16,000.00 — trading 3.2% below its estimated fair value. The current FCF Margin % is -157.76%. Tien Phong Commercial Joint Stock Bank's overall GF Score™ is 76/100 with 4 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 Tien Phong Commercial Joint Stock Bank (STC:TPB), the current FCF Margin % is -157.76% 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 Tien Phong Commercial Joint Stock Bank (STC:TPB) Overvalued in 2026?

Based on GuruFocus' analysis, Tien Phong Commercial Joint Stock Bank stock appears to be undervalued. The current stock price of ₫16,000.00 is trading 3.2% below its estimated GF Value™ of ₫16,535.62. GuruFocus considers Tien Phong Commercial Joint Stock Bank to be Fairly Valued.

Key valuation signals for STC:TPB:

  • FCF Margin %: -157.76%
  • GF Value™: ₫16,535.62 vs. price of ₫16,000.00 (3.2% below fair value)
  • GF Score™: 76/100 with 4 warning signs

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


Tien Phong Commercial Joint Stock Bank Business Description

Address No. 57 Ly Thuong Kiet Street, Cua Nam Ward, TP Bank building, Hoan Kiem District, Hanoi, VNM
Tien Phong Commercial Joint Stock Bank provides a range of banking services, including mobilizing and receiving short-term, medium-term, and long-term deposits from organizations and individuals, and extending loans and advances based on the Bank's capital capacity. Its activities also include foreign exchange transactions, bond investments, international trade finance services, discounting of bonds and other valuable papers, gold trading, and other banking services as approved by the State Bank of Vietnam.
76GF Score

Get the complete analysis for STC:TPB

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

₫16,000.00
Price
₫16,535.62
GF Value