Phu Nhuan Jewelry JSC (STC:PNJ) Net Interest Margin (Bank Only) %

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:PNJ Phu Nhuan Jewelry JSC STC:PNJ
95 GF Score
Price ₫41,000.00
GF Value ₫70,038.01
Valuation Significantly Undervalued
! 3 Warning Signs
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What is Phu Nhuan Jewelry JSC Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % only applies to banks.

STC:PNJ
95GF Score
Phu Nhuan Jewelry JSC STC:PNJ
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Phu Nhuan Jewelry JSC (STC:PNJ) Overvalued in 2026?

Based on GuruFocus' analysis, Phu Nhuan Jewelry JSC stock appears to be undervalued. The current stock price of ₫41,000.00 is trading 41.5% below its estimated GF Value™ of ₫70,038.01. GuruFocus considers Phu Nhuan Jewelry JSC to be Significantly Undervalued.

Key valuation signals for STC:PNJ:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: ₫70,038.01 vs. price of ₫41,000.00 (41.5% below fair value)
  • GF Score™: 95/100 with 3 warning signs

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

Phu Nhuan Jewelry JSC Business Description

Address 170E Phan Dang Luu Street, Ward 4, Phu Nhuan District, Ho Chi Minh, VNM
Phu Nhuan Jewelry JSC is engaged in the manufacturing and trading of gold, silver, jewelry, and gemstones, and imports and exports jewelry in gold, silver, and gemstones. The other activities are mainly trading accessories and jewelry inspection services. It offers products such as rings, earrings, bracelets, pendants, necklaces, etc., under different brands such as CAO Fine Jewellery, Mancode by PNJ, Style by PNJ, PNJArt, PNJ Silver and Accessories, and others. Geographically, the company conducts its operations only in Vietnam.
95GF Score

Get the complete analysis for STC:PNJ

Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫41,000.00
Price
₫70,038.01
GF Value