Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) Net Income: ₫38,088,761 Mil (TTM As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

STC:CTG Viet Nam Joint Stock Commercial Bank For Industry And Trade STC:CTG
85 GF Score
Price ₫29,000.00
GF Value ₫32,206.48
Valuation Modestly Undervalued
View Full Analysis

What is Viet Nam Joint Stock Commercial Bank For Industry And Trade Net Income?

Viet Nam Joint Stock Commercial Bank For Industry And Trade STC:CTG -0.17% 85 Net Income is ₫38,088,761 Mil as of Mar. 2026. GuruFocus rates STC:CTG with a GF Score™ of 85/100 and a GF Value™ of ₫32,206.48 (Modestly Undervalued).

Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax. Viet Nam Joint Stock Commercial Bank For Industry And Trade's Net Income for the three months ended in Mar. 2026 was ₫8,916,979 Mil. Its Net Income for the trailing twelve months (TTM) ended in Mar. 2026 was ₫38,088,761 Mil.

Net Income is linked to the most popular Earnings per Share (Diluted) number. Viet Nam Joint Stock Commercial Bank For Industry And Trade's Earnings per Share (Diluted) for the three months ended in Mar. 2026 was ₫1,148.07.


Viet Nam Joint Stock Commercial Bank For Industry And Trade  (STC:CTG) Net Income Explanation

Net Income is the most widely cited number in reporting a company's profitability. It is linked to the most popular earnings-per-share (EPS) number through:

Viet Nam Joint Stock Commercial Bank For Industry And Trade's Earnings per Share (Diluted) (EPS) for the quarter that ended in Mar. 2026 is calculated as

* 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.

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

EPS is most useful for companies that have:

A predictable business
Consistent accounting methods
And few restructurings

The dividend paid to preferred stocks needs to be subtracted from the total net income in the calculation of EPS because common stock holders are not entitled to that part of the net income.


Be Aware

Warren Buffett looks for consistency and upward long term trend. Because of share repurchase it is possible for net earnings trend to differ from EPS trend. He preferred Net Income over EPS. The companies with durable competitive advantage companies report higher % net earnings to total revenues.

Important: If a company is showing net earnings history greater than 20% on total revenues, it is probably benefiting from a long term competitive advantage.

If net earnings is less than 10%, likely to be in a highly competitive business.


Viet Nam Joint Stock Commercial Bank For Industry And Trade Net Income Related Terms


Viet Nam Joint Stock Commercial Bank For Industry And Trade Net Income Historical Data

* Premium members only.

The historical data trend for Viet Nam Joint Stock Commercial Bank For Industry And Trade's Net Income 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.

Viet Nam Joint Stock Commercial Bank For Industry And Trade Net Income Chart

Viet Nam Joint Stock Commercial Bank For Industry And Trade Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Income
Get a 7-Day Free Trial Premium Member Only Premium Member Only 14,088,760.00 16,923,725.00 19,903,550.00 25,348,215.00 34,604,481.00

Viet Nam Joint Stock Commercial Bank For Industry And Trade Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Income 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 5,418,875.00 9,669,885.00 8,448,784.00 11,053,113.00 8,916,979.00
STC:CTG
85GF Score
Viet Nam Joint Stock Commercial Bank For Industry And Trade STC:CTG
Net Income is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Viet Nam Joint Stock Commercial Bank For Industry And Trade Net Income Calculation

Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax.

Net Income
= Revenue - Cost of Goods Sold - Selling, General, & Admin. Expense - Research & Development - Depreciation, Depletion and Amortization - Interest Expense - Non Operating Income (NRI) - Tax Expense + Others
= EBITDA - Depreciation, Depletion and Amortization - Interest Expense - Non Operating Income (NRI) - Tax Expense + Others
= Operating Income - Interest Expense - Non Operating Income (NRI) - Tax Expense + Others
= Pre-Tax Income - Tax Expense + Others

Viet Nam Joint Stock Commercial Bank For Industry And Trade's Net Income for the fiscal year that ended in Dec. 2025 is calculated as

Net Income(A: Dec. 2025 )
= Pre-Tax Income + Tax Provision + Net Income (Discontinued Operations) + Others
=43443809+-8572543+0+-266785
=34,604,481

Viet Nam Joint Stock Commercial Bank For Industry And Trade's Net Income for the quarter that ended in Mar. 2026 is calculated as

Net Income(Q: Mar. 2026 )
= Pre-Tax Income + Tax Provision + Net Income (Discontinued Operations) + Others
=11139360+-2179319+0+-43062
=8,916,979

Net Income for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₫38,088,761 Mil.

* 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 Net Income →
What does a Net Income of ₫38,088,761 Mil mean?
Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) has a Net Income of ₫38,088,761 Mil as of Mar. 2026. Net Income is the total earnings after all operating expenses, interest and taxes. View historical data on Viet Nam Joint Stock Commercial Bank For Industry And Trade and its competitors.
Is Viet Nam Joint Stock Commercial Bank For Industry And Trade's Net Income too high?
Viet Nam Joint Stock Commercial Bank For Industry And Trade's current Net Income is ₫38,088,761 Mil. Overall, Viet Nam Joint Stock Commercial Bank For Industry And Trade has a GF Score™ of 85/100 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 Net Income compare to competitors?
Viet Nam Joint Stock Commercial Bank For Industry And Trade's Net Income of ₫38,088,761 Mil 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 Net Income for a Banks company?
A good Net Income depends on the Banks industry context. However, Net Income 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 Net Income mean?
A high Net Income can signal that a stock is expensive relative to its fundamentals. Net Income is the total earnings after all operating expenses, interest and taxes. View historical data on Viet Nam Joint Stock Commercial Bank For Industry And Trade and its competitors. Viet Nam Joint Stock Commercial Bank For Industry And Trade's current Net Income is ₫38,088,761 Mil. 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 ₫32,206.48, compared to a current price of ₫29,000.00 — trading 10% below its estimated fair value. The current Net Income is ₫38,088,761 Mil. Viet Nam Joint Stock Commercial Bank For Industry And Trade's overall GF Score™ is 85/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Income calculated?
Net Income is calculated from a company's financial statements. For Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG), the current Net Income is ₫38,088,761 Mil 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 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 ₫29,000.00 is trading 10% below its estimated GF Value™ of ₫32,206.48. GuruFocus considers Viet Nam Joint Stock Commercial Bank For Industry And Trade to be Modestly Undervalued.

Key valuation signals for STC:CTG:

  • Net Income: ₫38,088,761 Mil
  • GF Value™: ₫32,206.48 vs. price of ₫29,000.00 (10% below fair value)
  • GF Score™: 85/100

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 Business Description

Address 108 Tran Hung Dao Street, Hoan Kiem District, Hanoi, VNM
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.
85GF Score

Get the complete analysis for STC:CTG

Net Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫29,000.00
Price
₫32,206.48
GF Value