* 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.
Vietnam International Commercial Joint Stock Bank FCF Margin % Chart
Vietnam International Commercial Joint Stock 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.
Vietnam International 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.
Vietnam International Commercial Joint Stock Bank (STC:VIB) has a FCF Margin % of 2.30% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Vietnam International Commercial Joint Stock Bank and its competitors. This is 96% below median its historical median of 63.39. According to the industry distribution chart, Vietnam International Commercial Joint Stock Bank ranks #191 out of 1508 companies in the Banks industry, placing it in the top 12.7%.
Is Vietnam International Commercial Joint Stock Bank's FCF Margin % too high?
Vietnam International Commercial Joint Stock Bank's current FCF Margin % of 2.30% is 96% below median its 10-year median of 63.39. The Banks industry median FCF Margin % is 26.36. Vietnam International Commercial Joint Stock Bank's value of 2.30% is 91.3% below this industry median. Based on the distribution chart, Vietnam International Commercial Joint Stock Bank ranks #191 out of 1508 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Vietnam International Commercial Joint Stock Bank has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Vietnam International Commercial Joint Stock Bank's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Vietnam International Commercial Joint Stock Bank ranks #191 out of 1508 companies for FCF Margin %. This places Vietnam International Commercial Joint Stock Bank in the top 13% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.36. Vietnam International Commercial Joint Stock Bank's value of 2.30% is 91.3% below this benchmark. While the company's 10-year median is 63.39 vs. the industry median of 26.36, Vietnam International Commercial Joint Stock Bank 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 26.36, based on 1,508 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. Vietnam International Commercial Joint Stock Bank's current FCF Margin % of 2.30% is 91.3% 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 Vietnam International Commercial Joint Stock Bank and its competitors. For the Banks industry, the median FCF Margin % is 26.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vietnam International Commercial Joint Stock Bank's current FCF Margin % is 2.30%, which is 96% below median its own 10-year median of 63.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vietnam International Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Vietnam International Commercial Joint Stock Bank (STC:VIB) is currently considered Fairly Valued. The stock's GF Value™ is ₫17,243.94, compared to a current price of ₫16,500.00 — trading 4.3% below its estimated fair value. The current FCF Margin % is 2.30%, which is 96% below median its 10-year median of 63.39 and 91.3% below the Banks industry median of 26.36. Vietnam International Commercial Joint Stock Bank's overall GF Score™ is 78/100 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 Vietnam International Commercial Joint Stock Bank (STC:VIB), the current FCF Margin % is 2.30% 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 Vietnam International Commercial Joint Stock Bank (STC:VIB) Overvalued in 2026?
Based on GuruFocus' analysis, Vietnam International Commercial Joint Stock Bank stock appears to be undervalued.
The current stock price of ₫16,500.00 is trading 4.3% below its estimated GF Value™ of ₫17,243.94.
GuruFocus considers Vietnam International Commercial Joint Stock Bank to be Fairly Valued.
Key valuation signals for STC:VIB:
FCF Margin %: 2.30% (96% below median its 10-year median of 63.39)
GF Value™: ₫17,243.94 vs. price of ₫16,500.00 (4.3% below fair value)
Industry Position: 91.3% below the Banks median (#191 of 1508)
No single metric tells the full story. See the STC:VIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vietnam International Commercial Joint Stock Bank Business Description
Vietnam International Commercial Joint Stock Bank is a joint stock commercial banks in Vietnam. The company's services includes credits, payment card, savings, car loans, home loans, consumer loans, insurance, digital banking, payment accounts, among others. It operates Domestically and Internationally as well.
78GF Score
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