Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Viet Nam Joint Stock Commercial Bank For Industry And Trade's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
30250.00
/
76664.572565255
=
0.39
* 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.
Viet Nam Joint Stock Commercial Bank For Industry And Trade Intrinsic Value: Projected FCF Related Terms
Viet Nam Joint Stock Commercial Bank For Industry And Trade Intrinsic Value: Projected FCF 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.
Viet Nam Joint Stock Commercial Bank For Industry And Trade Intrinsic Value: Projected FCF Chart
Viet Nam Joint Stock Commercial Bank For Industry And Trade 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.
Viet Nam Joint Stock Commercial Bank For Industry And Trade Price-to-Projected-FCF vs Banks Industry
Viet Nam Joint Stock Commercial Bank For Industry And Trade Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of ₫142,271.84 mean?
Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) has a Intrinsic Value: Projected FCF of ₫142,271.84 as of Sep. 21, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Viet Nam Joint Stock Commercial Bank For Industry And Trade and its competitors. According to the industry distribution chart, Viet Nam Joint Stock Commercial Bank For Industry And Trade ranks #184 out of 1300 companies in the Banks industry, placing it in the top 14.2%.
Is Viet Nam Joint Stock Commercial Bank For Industry And Trade's Intrinsic Value: Projected FCF too high?
Viet Nam Joint Stock Commercial Bank For Industry And Trade's current Intrinsic Value: Projected FCF is ₫142,271.84. Based on the distribution chart, Viet Nam Joint Stock Commercial Bank For Industry And Trade ranks #184 out of 1300 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Viet Nam Joint Stock Commercial Bank For Industry And Trade has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Viet Nam Joint Stock Commercial Bank For Industry And Trade's Intrinsic Value: Projected FCF compare to competitors?
According to the Banks industry distribution chart, Viet Nam Joint Stock Commercial Bank For Industry And Trade ranks #184 out of 1300 companies for Intrinsic Value: Projected FCF. This places Viet Nam Joint Stock Commercial Bank For Industry And Trade in the top 14% of its industry — outperforming the majority of peers. The industry median Intrinsic Value: Projected FCF is 0.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.60, based on 1,300 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Viet Nam Joint Stock Commercial Bank For Industry And Trade and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Viet Nam Joint Stock Commercial Bank For Industry And Trade's current Intrinsic Value: Projected FCF is ₫142,271.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Viet Nam Joint Stock Commercial Bank For Industry And Trade stock overvalued right now?
Based on GuruFocus' analysis, Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫34,762.51, compared to a current price of ₫30,250.00 — trading 13% below its estimated fair value. The current Intrinsic Value: Projected FCF is ₫142,271.84. Viet Nam Joint Stock Commercial Bank For Industry And Trade's overall GF Score™ is 70/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG), the current Intrinsic Value: Projected FCF is ₫142,271.84 as of Sep. 21, 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) Overvalued in 2026?
Based on GuruFocus' analysis, Viet Nam Joint Stock Commercial Bank For Industry And Trade stock appears to be undervalued.
The current stock price of ₫30,250.00 is trading 13% below its estimated GF Value™ of ₫34,762.51.
GuruFocus considers Viet Nam Joint Stock Commercial Bank For Industry And Trade to be Modestly Undervalued.
Key valuation signals for STC:CTG:
Intrinsic Value: Projected FCF: ₫142,271.84
GF Value™: ₫34,762.51 vs. price of ₫30,250.00 (13% below fair value)
No single metric tells the full story. See the STC:CTG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Viet Nam Joint Stock Commercial Bank For Industry And Trade is a Vietnam based banking service provider. The company's operating segment include Banking financial services, Non-banking financial services, and Others. It generates maximum revenue from the Banking financial services segment. The company provides banking services including mobilizing and receiving short, medium and long-term deposits from organizations or individuals; making short, medium and long term loans and advances to organizations and individuals; conducting foreign exchange transactions, international trade finance services, discounting of commercial papers, bonds and other valuable papers and other services.
70GF Score
Get the complete analysis for STC:CTG
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STC:CTG has been successfully added to your 
