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Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Vietnam Maritime Commercial Joint Stock Bank Liabilities-to-Assets Related Terms
Vietnam Maritime Commercial Joint Stock Bank Liabilities-to-Assets 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.
Vietnam Maritime Commercial Joint Stock Bank Liabilities-to-Assets Chart
Vietnam Maritime Commercial Joint Stock Bank Annual Data
Vietnam Maritime Commercial Joint Stock Bank Liabilities-to-Assets Competitor Comparison
For the Banks - Regional subindustry, Vietnam Maritime Commercial Joint Stock Bank's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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.
Vietnam Maritime Commercial Joint Stock Bank Liabilities-to-Assets vs Banks Industry
Vietnam Maritime Commercial Joint Stock Bank Liabilities-to-Assets Calculation
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
* 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 Maritime Commercial Joint Stock Bank (STC:MSB) has a Liabilities-to-Assets of 0.89 as of Mar. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Vietnam Maritime Commercial Joint Stock Bank and its competitors.
Is Vietnam Maritime Commercial Joint Stock Bank's Liabilities-to-Assets too high?
Vietnam Maritime Commercial Joint Stock Bank's current Liabilities-to-Assets is 0.89. Overall, Vietnam Maritime Commercial Joint Stock Bank has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Vietnam Maritime Commercial Joint Stock Bank's Liabilities-to-Assets compare to competitors?
Vietnam Maritime Commercial Joint Stock Bank's Liabilities-to-Assets of 0.89 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Vietnam Maritime Commercial Joint Stock Bank and its competitors. Vietnam Maritime Commercial Joint Stock Bank's current Liabilities-to-Assets is 0.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vietnam Maritime Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₫10,968.75, compared to a current price of ₫15,950.00 — trading 45.4% above its estimated fair value. The current Liabilities-to-Assets is 0.89. Vietnam Maritime Commercial Joint Stock Bank's overall GF Score™ is 66/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Vietnam Maritime Commercial Joint Stock Bank (STC:MSB), the current Liabilities-to-Assets is 0.89 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 Vietnam Maritime Commercial Joint Stock Bank (STC:MSB) Overvalued in 2026?
Based on GuruFocus' analysis, Vietnam Maritime Commercial Joint Stock Bank stock appears to be overvalued.
The current stock price of ₫15,950.00 is trading 45.4% above its estimated GF Value™ of ₫10,968.75.
GuruFocus considers Vietnam Maritime Commercial Joint Stock Bank to be Significantly Overvalued.
Key valuation signals for STC:MSB:
Liabilities-to-Assets: 0.89
GF Value™: ₫10,968.75 vs. price of ₫15,950.00 (45.4% above fair value)
No single metric tells the full story. See the STC:MSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vietnam Maritime Commercial Joint Stock Bank Business Description
Vietnam Maritime Commercial Joint Stock Bank is engaged in providing banking and related services including mobilizing and receiving short, medium and long-term deposits from organizations and individuals; making short, medium and long-term loans to organizations and individuals based on the nature and capability of the Bank's capital; conducting foreign exchange transactions; international trade finance services; discounting of commercial papers, bonds and other valuable papers; conducting payments and treasury services; performing capital contributions, share purchases, securities investments and other banking services. The company provides Savings, Retail Loan products, Insurance, Card Products, Payment services, E-Banking services, and other banking services.
66GF Score
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Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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