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Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) 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.
Viet Nam Joint Stock Commercial Bank For Industry And Trade Net Margin % Related Terms
Viet Nam Joint Stock Commercial Bank For Industry And Trade 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.
Viet Nam Joint Stock Commercial Bank For Industry And Trade Net Margin % Chart
Viet Nam Joint Stock Commercial Bank For Industry And Trade Annual Data
* 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.
Viet Nam Joint Stock Commercial Bank For Industry And Trade Net Margin % vs Banks Industry
* 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 (STC:CTG) has a Net Margin % of 43.86% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Viet Nam Joint Stock Commercial Bank For Industry And Trade and its competitors. This is 54% above median its historical median of 28.44. Over the past decade, Viet Nam Joint Stock Commercial Bank For Industry And Trade's Net Margin % has ranged from 19.58 to 44.55. According to the industry distribution chart, Viet Nam Joint Stock Commercial Bank For Industry And Trade ranks #230 out of 1525 companies in the Banks industry, placing it in the top 15.1%.
Is Viet Nam Joint Stock Commercial Bank For Industry And Trade's Net Margin % too high?
Viet Nam Joint Stock Commercial Bank For Industry And Trade's current Net Margin % of 43.86% is 54% above median its 10-year median of 28.44. Over the past 10 years, this metric has ranged from a low of 19.58 to a high of 44.55. The Banks industry median Net Margin % is 27.10. Viet Nam Joint Stock Commercial Bank For Industry And Trade's value of 43.86% is 61.8% above this industry median. Based on the distribution chart, Viet Nam Joint Stock Commercial Bank For Industry And Trade ranks #230 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Viet Nam Joint Stock Commercial Bank For Industry And Trade has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Viet Nam Joint Stock Commercial Bank For Industry And Trade's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Viet Nam Joint Stock Commercial Bank For Industry And Trade ranks #230 out of 1525 companies for Net Margin %. This places Viet Nam Joint Stock Commercial Bank For Industry And Trade in the top 15% of its industry — outperforming the majority of peers. The industry median Net Margin % is 27.10. Viet Nam Joint Stock Commercial Bank For Industry And Trade's value of 43.86% is 61.8% above this benchmark. Historically, Viet Nam Joint Stock Commercial Bank For Industry And Trade's own Net Margin % has ranged from 19.58 to 44.55 over the past decade. While the company's 10-year median is 28.44 vs. the industry median of 27.10, Viet Nam Joint Stock Commercial Bank For Industry And Trade 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 27.10, based on 1,525 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. Viet Nam Joint Stock Commercial Bank For Industry And Trade's current Net Margin % of 43.86% is 61.8% 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade and its competitors. For the Banks industry, the median Net Margin % is 27.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Viet Nam Joint Stock Commercial Bank For Industry And Trade's current Net Margin % is 43.86%, which is 54% above median its own 10-year median of 28.44. 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 Fairly Valued. The stock's GF Value™ is ₫34,518.56, compared to a current price of ₫32,200.00 — trading 6.7% below its estimated fair value. The current Net Margin % is 43.86%, which is 54% above median its 10-year median of 28.44 and 61.8% above the Banks industry median of 27.10. Viet Nam Joint Stock Commercial Bank For Industry And Trade's overall GF Score™ is 71/100 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG), the current Net Margin % is 43.86% as of Jun. 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 ₫32,200.00 is trading 6.7% below its estimated GF Value™ of ₫34,518.56.
GuruFocus considers Viet Nam Joint Stock Commercial Bank For Industry And Trade to be Fairly Valued.
Key valuation signals for STC:CTG:
Net Margin %: 43.86% (54% above median its 10-year median of 28.44)
GF Value™: ₫34,518.56 vs. price of ₫32,200.00 (6.7% below fair value)
Industry Position: 61.8% above the Banks median (#230 of 1525)
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 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.
71GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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