Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.
Sai Gon - Hanoi Commercial Joint Stock Bank's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is
83.28%.
Sai Gon - Hanoi Commercial Joint Stock Bank Margin of Safety % (DCF Earnings Based) Related Terms
Sai Gon - Hanoi Commercial Joint Stock Bank Margin of Safety % (DCF Earnings Based) Competitor Comparison
For the Banks - Regional subindustry, Sai Gon - Hanoi Commercial Joint Stock Bank's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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.
Sai Gon - Hanoi Commercial Joint Stock Bank Margin of Safety % (DCF Earnings Based) vs Banks Industry
For the Banks industry and Financial Services sector, Sai Gon - Hanoi Commercial Joint Stock Bank's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:
* The bar in red indicates where Sai Gon - Hanoi Commercial Joint Stock Bank's Margin of Safety % (DCF Earnings Based) 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.
The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.
What does a Margin of Safety % (DCF Earnings Based) of 83.28% mean?
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) has a Margin of Safety % (DCF Earnings Based) of 83.28% as of Jun. 24, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Sai Gon - Hanoi Commercial Joint Stock Bank.
Is Sai Gon - Hanoi Commercial Joint Stock Bank's Margin of Safety % (DCF Earnings Based) too high?
Sai Gon - Hanoi Commercial Joint Stock Bank's current Margin of Safety % (DCF Earnings Based) is 83.28%. Overall, Sai Gon - Hanoi Commercial Joint Stock Bank has a GF Score™ of 65/100 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 Margin of Safety % (DCF Earnings Based) compare to competitors?
Sai Gon - Hanoi Commercial Joint Stock Bank's Margin of Safety % (DCF Earnings Based) of 83.28% 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 Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Sai Gon - Hanoi Commercial Joint Stock Bank. Sai Gon - Hanoi Commercial Joint Stock Bank's current Margin of Safety % (DCF Earnings Based) is 83.28%. 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 ₫14,301.11, compared to a current price of ₫13,650.00 — trading 4.6% below its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 83.28%. Sai Gon - Hanoi Commercial Joint Stock Bank's overall GF Score™ is 65/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB), the current Margin of Safety % (DCF Earnings Based) is 83.28% as of Jun. 24, 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 ₫13,650.00 is trading 4.6% below its estimated GF Value™ of ₫14,301.11.
GuruFocus considers Sai Gon - Hanoi Commercial Joint Stock Bank to be Fairly Valued.
Key valuation signals for STC:SHB:
Margin of Safety % (DCF Earnings Based): 83.28%
GF Value™: ₫14,301.11 vs. price of ₫13,650.00 (4.6% below fair value)
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
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.
65GF Score
Get the complete analysis for STC:SHB
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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