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VietCredit Finance JSCHSTC:TIN 28 Graham Number is ₫98,282.35 as of Mar. 2026, which is 100% below its 10-year median of 1.22. GuruFocus rates HSTC:TIN with a GF Score™ of 28/100. The stock has 1 warning sign investors should review. Among 1,431 Banks companies, VietCredit Finance JSC ranks worse than 78.97% on this metric.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
VietCredit Finance JSC (HSTC:TIN) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
VietCredit Finance JSC's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Mar. 2026 )
=
105000.00
/
98,282.35
=
1.07
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
VietCredit Finance JSC Graham Number Related Terms
VietCredit Finance JSC Graham Number Historical Data
* 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.
VietCredit Finance JSC Graham Number Competitor Comparison
For the Banks - Regional subindustry, VietCredit Finance JSC's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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.
VietCredit Finance JSC Price-to-Graham-Number vs Banks Industry
For the Banks industry and Financial Services sector, VietCredit Finance JSC's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where VietCredit Finance JSC's Price-to-Graham-Number falls into.
* 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.
VietCredit Finance JSC (HSTC:TIN) has a Graham Number of ₫98,282.35 as of Mar. 2026. The Graham Number values a company based on its per-share earnings and book value. View historical data on VietCredit Finance JSC and its competitors. This is 8055830% above median its historical median of 1.22. Over the past decade, VietCredit Finance JSC's Graham Number has ranged from 0.69 to 1.70. According to the industry distribution chart, VietCredit Finance JSC ranks #1130 out of 1431 companies in the Banks industry, placing it in the top 79%.
Is VietCredit Finance JSC's Graham Number too high?
VietCredit Finance JSC's current Graham Number of ₫98,282.35 is 8055830% above median its 10-year median of 1.22. Over the past 10 years, this metric has ranged from a low of 0.69 to a high of 1.70. Based on the distribution chart, VietCredit Finance JSC ranks #1130 out of 1431 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, VietCredit Finance JSC has a GF Score™ of 28/100, reflecting its overall financial health beyond just this single metric.
How does VietCredit Finance JSC's Graham Number compare to competitors?
According to the Banks industry distribution chart, VietCredit Finance JSC ranks #1130 out of 1431 companies for Graham Number. This places VietCredit Finance JSC in the lower half of its industry. The industry median Graham Number is 0.81. Historically, VietCredit Finance JSC's own Graham Number has ranged from 0.69 to 1.70 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Graham Number for a Banks company?
The median Graham Number among Banks companies is 0.81, based on 1,431 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number 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 Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on VietCredit Finance JSC and its competitors. For the Banks industry, the median Graham Number is 0.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. VietCredit Finance JSC's current Graham Number is ₫98,282.35, which is 8055830% above median its own 10-year median of 1.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VietCredit Finance JSC stock overvalued right now?
VietCredit Finance JSC (HSTC:TIN) has a current Graham Number of ₫98,282.35. The current Graham Number is ₫98,282.35, which is 8055830% above median its 10-year median of 1.22. VietCredit Finance JSC's overall GF Score™ is 28/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Graham Number calculated?
Graham Number is calculated from a company's financial statements. For VietCredit Finance JSC (HSTC:TIN), the current Graham Number is ₫98,282.35 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.
VietCredit Finance JSC is engaged in providing financial services under its Establishment and Operation License, including mobilising and receiving term deposits from organisations, granting short, medium, and long-term loans and consumption loans to organisations and individuals based on its capital sources, and conducting foreign currency trading, treasury services, and other cash services as approved by the SBV. Its products include credit cards, certificates of deposit, and small business loans.
28GF Score
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