VietCredit Finance JSCHSTC:TIN -0.16%29 Net Margin % is 38.74% as of Mar. 2026, which is 216% above its 10-year median of 12.26. GuruFocus rates HSTC:TIN with a GF Score™ of 29/100. The stock has 1 warning sign investors should review. Among 1,527 Banks companies, VietCredit Finance JSC ranks better than 84.81% on this metric.
The historical rank and industry rank for VietCredit Finance JSC's Net Margin % or its related term are showing as below:
HSTC:TIN'
s Net Margin % Range Over the Past 10 Years
Min: -14.76 Med: 12.26 Max: 40.35
Current: 40.35
HSTC:TIN's Net Margin % is ranked better than 84.81% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs HSTC:TIN: 40.35
VietCredit Finance JSC (HSTC:TIN) Net Margin % Explanation
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.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
VietCredit Finance JSC Net Margin % Related Terms
VietCredit Finance JSC Net Margin % 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.
VietCredit Finance JSC Net Margin % Competitor Comparison
For the Banks - Regional subindustry, VietCredit Finance JSC's Net Margin %, along with its competitors' market caps and Net Margin % 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.
VietCredit Finance JSC Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, VietCredit Finance JSC's Net Margin % distribution charts can be found below:
* The bar in red indicates where VietCredit Finance JSC's Net Margin % 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.
VietCredit Finance JSC (HSTC:TIN) has a Net Margin % of 38.74% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on VietCredit Finance JSC and its competitors. This is 216% above median its historical median of 12.26. According to the industry distribution chart, VietCredit Finance JSC ranks #232 out of 1527 companies in the Banks industry, placing it in the top 15.2%.
Is VietCredit Finance JSC's Net Margin % too high?
VietCredit Finance JSC's current Net Margin % of 38.74% is 216% above median its 10-year median of 12.26. The Banks industry median Net Margin % is 26.95. VietCredit Finance JSC's value of 38.74% is 43.7% above this industry median. Based on the distribution chart, VietCredit Finance JSC ranks #232 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, VietCredit Finance JSC has a GF Score™ of 29/100, reflecting its overall financial health beyond just this single metric.
How does VietCredit Finance JSC's Net Margin % compare to competitors?
According to the Banks industry distribution chart, VietCredit Finance JSC ranks #232 out of 1527 companies for Net Margin %. This places VietCredit Finance JSC in the top 15% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. VietCredit Finance JSC's value of 38.74% is 43.7% above this benchmark. While the company's 10-year median is 12.26 vs. the industry median of 26.95, VietCredit Finance JSC has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. VietCredit Finance JSC's current Net Margin % of 38.74% is 43.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on VietCredit Finance JSC and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. VietCredit Finance JSC's current Net Margin % is 38.74%, which is 216% above median its own 10-year median of 12.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VietCredit Finance JSC stock overvalued right now?
VietCredit Finance JSC (HSTC:TIN) has a current Net Margin % of 38.74%. The current Net Margin % is 38.74%, which is 216% above median its 10-year median of 12.26 and 43.7% above the Banks industry median of 26.95. VietCredit Finance JSC's overall GF Score™ is 29/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For VietCredit Finance JSC (HSTC:TIN), the current Net Margin % is 38.74% 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.
VietCredit Finance JSC is engaged in providing financial services under its Establishment and Operation License, including mobilising and receiving term deposits from organisations, granting short, medium, and long-term loans and consumption loans to organisations and individuals based on its capital sources, and conducting foreign currency trading, treasury services, and other cash services as approved by the SBV. Its products include credit cards, certificates of deposit, and small business loans.
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