Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) LT-Debt-to-Total-Asset: 0.10 (As of Mar. 2026)


STC:SHB Sai Gon - Hanoi Commercial Joint Stock Bank STC:SHB
68 GF Score
Price ₫13,600.00
GF Value ₫14,308.17
Valuation Fairly Valued
! 1 Warning Sign
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What is Sai Gon - Hanoi Commercial Joint Stock Bank LT-Debt-to-Total-Asset?

Sai Gon - Hanoi Commercial Joint Stock Bank STC:SHB 68 LT-Debt-to-Total-Asset is 0.10 as of Mar. 2026. GuruFocus rates STC:SHB with a GF Score™ of 68/100 and a GF Value™ of ₫14,308.17 (Fairly Valued). The stock has 1 warning sign investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Sai Gon - Hanoi Commercial Joint Stock Bank's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.10.

Sai Gon - Hanoi Commercial Joint Stock Bank's long-term debt to total assets ratio increased from Mar. 2025 (0.07) to Mar. 2026 (0.10). It may suggest that Sai Gon - Hanoi Commercial Joint Stock Bank is progressively becoming more dependent on debt to grow their business.

Sai Gon - Hanoi Commercial Joint Stock Bank  (STC:SHB) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Sai Gon - Hanoi Commercial Joint Stock Bank LT-Debt-to-Total-Asset Related Terms

Sai Gon - Hanoi Commercial Joint Stock Bank LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Sai Gon - Hanoi Commercial Joint Stock Bank's LT-Debt-to-Total-Asset can be seen below:

* 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.

Sai Gon - Hanoi Commercial Joint Stock Bank LT-Debt-to-Total-Asset Chart

Sai Gon - Hanoi Commercial Joint Stock Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.11 0.08 0.08 0.07 0.09

Sai Gon - Hanoi Commercial Joint Stock Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.07 0.08 0.08 0.09 0.10
STC:SHB
68GF Score
Sai Gon - Hanoi Commercial Joint Stock Bank STC:SHB
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Sai Gon - Hanoi Commercial Joint Stock Bank LT-Debt-to-Total-Asset Calculation

Sai Gon - Hanoi Commercial Joint Stock Bank's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=79897418/892008709
=0.09

Sai Gon - Hanoi Commercial Joint Stock Bank's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=88575297/930982542
=0.10

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.10 mean?
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) has a LT-Debt-to-Total-Asset of 0.10 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors.
Is Sai Gon - Hanoi Commercial Joint Stock Bank's LT-Debt-to-Total-Asset too high?
Sai Gon - Hanoi Commercial Joint Stock Bank's current LT-Debt-to-Total-Asset is 0.10. Overall, Sai Gon - Hanoi Commercial Joint Stock Bank has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sai Gon - Hanoi Commercial Joint Stock Bank's LT-Debt-to-Total-Asset compare to competitors?
Sai Gon - Hanoi Commercial Joint Stock Bank's LT-Debt-to-Total-Asset of 0.10 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 LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors. Sai Gon - Hanoi Commercial Joint Stock Bank's current LT-Debt-to-Total-Asset is 0.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sai Gon - Hanoi Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) is currently considered Fairly Valued. The stock's GF Value™ is ₫14,308.17, compared to a current price of ₫13,600.00 — trading 4.9% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.10. Sai Gon - Hanoi Commercial Joint Stock Bank's overall GF Score™ is 68/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB), the current LT-Debt-to-Total-Asset is 0.10 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 Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) Overvalued in 2026?

Based on GuruFocus' analysis, Sai Gon - Hanoi Commercial Joint Stock Bank stock appears to be undervalued. The current stock price of ₫13,600.00 is trading 4.9% below its estimated GF Value™ of ₫14,308.17. GuruFocus considers Sai Gon - Hanoi Commercial Joint Stock Bank to be Fairly Valued.

Key valuation signals for STC:SHB:

  • LT-Debt-to-Total-Asset: 0.10
  • GF Value™: ₫14,308.17 vs. price of ₫13,600.00 (4.9% below fair value)
  • GF Score™: 68/100 with 1 warning sign

No single metric tells the full story. See the STC:SHB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Sai Gon - Hanoi Commercial Joint Stock Bank Business Description

Address 77 Tran Hung Dao Street, Hoan Kiem District, Cua Nam Ward, Hanoi, VNM
Sai Gon - Hanoi Commercial Joint Stock Bank is a Vietnam-based banking corporation. It offers various banking services to its customers, including retail banking, corporate banking, and other banking-related services. Its products and services include savings, current accounts, money transfer services, E-banking, guarantee service, and forex trading and treasury services. It also provides credit in the form of car loans, rubber loans, agricultural product loans, business overdrafts, and medium and long-term loans and credit facilities. The company operates in four reportable segments: credit, investment, services, and treasury. The primary source of its revenue is interest income, commission, and fees received by providing advisory and financial services to the customer.
68GF Score

Get the complete analysis for STC:SHB

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫13,600.00
Price
₫14,308.17
GF Value