* 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 Foreign Trade of Vietnam FCF Margin % Chart
Joint Stock Commercial Bank for Foreign Trade 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 Foreign Trade 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 Foreign Trade of Vietnam (STC:VCB) has a FCF Margin % of 162.89% 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 Foreign Trade of Vietnam and its competitors. This is 212% above median its historical median of 52.21. According to the industry distribution chart, Joint Stock Commercial Bank for Foreign Trade of Vietnam ranks #89 out of 1509 companies in the Banks industry, placing it in the top 5.9%.
Is Joint Stock Commercial Bank for Foreign Trade of Vietnam's FCF Margin % too high?
Joint Stock Commercial Bank for Foreign Trade of Vietnam's current FCF Margin % of 162.89% is 212% above median its 10-year median of 52.21. The Banks industry median FCF Margin % is 26.55. Joint Stock Commercial Bank for Foreign Trade of Vietnam's value of 162.89% is 513.5% above this industry median. Based on the distribution chart, Joint Stock Commercial Bank for Foreign Trade of Vietnam ranks #89 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 Foreign Trade of Vietnam has a GF Score™ of 84/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Joint Stock Commercial Bank for Foreign Trade of Vietnam's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Joint Stock Commercial Bank for Foreign Trade of Vietnam ranks #89 out of 1509 companies for FCF Margin %. This places Joint Stock Commercial Bank for Foreign Trade of Vietnam in the top 6% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.55. Joint Stock Commercial Bank for Foreign Trade of Vietnam's value of 162.89% is 513.5% above this benchmark. While the company's 10-year median is 52.21 vs. the industry median of 26.55, Joint Stock Commercial Bank for Foreign Trade of Vietnam 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 26.55, 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 Foreign Trade of Vietnam's current FCF Margin % of 162.89% is 513.5% 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 Joint Stock Commercial Bank for Foreign Trade 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 Foreign Trade of Vietnam's current FCF Margin % is 162.89%, which is 212% above median its own 10-year median of 52.21. 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 Foreign Trade of Vietnam stock overvalued right now?
Based on GuruFocus' analysis, Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫69,831.85, compared to a current price of ₫61,400.00 — trading 12.1% below its estimated fair value. The current FCF Margin % is 162.89%, which is 212% above median its 10-year median of 52.21 and 513.5% above the Banks industry median of 26.55. Joint Stock Commercial Bank for Foreign Trade of Vietnam's overall GF Score™ is 84/100 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 Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB), the current FCF Margin % is 162.89% 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 Foreign Trade of Vietnam (STC:VCB) Overvalued in 2026?
Based on GuruFocus' analysis, Joint Stock Commercial Bank for Foreign Trade of Vietnam stock appears to be undervalued.
The current stock price of ₫61,400.00 is trading 12.1% below its estimated GF Value™ of ₫69,831.85.
GuruFocus considers Joint Stock Commercial Bank for Foreign Trade of Vietnam to be Modestly Undervalued.
Key valuation signals for STC:VCB:
FCF Margin %: 162.89% (212% above median its 10-year median of 52.21)
GF Value™: ₫69,831.85 vs. price of ₫61,400.00 (12.1% below fair value)
Industry Position: 513.5% above the Banks median (#89 of 1509)
No single metric tells the full story. See the STC:VCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Joint Stock Commercial Bank for Foreign Trade of Vietnam Business Description
Joint Stock Commercial Bank for Foreign Trade of Vietnam is a a state-owned commercial bank. Its activities include selling gold bars; mobilizing and receiving short, medium and long-term deposits from organizations and individuals; lending to organizations and individuals up to the nature and capability of the bank's capital resources; conducting settlement and cash services; providing other banking services. Its personal banking services include Account Services, Digital Banking Services, Cards, Loans, Savings, Insurance, Investments, and Money Transfer Services. Institutional banking provides SME banking, and corporate banking.
84GF Score
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