EVN Finance JSCSTC:EVF -0.75%70 Net Margin % is 55.60% as of Mar. 2026, which is 89% above its 10-year median of 29.36. GuruFocus rates STC:EVF with a GF Score™ of 70/100 and a GF Value™ of ₫14,165.19 (Fairly Valued). The stock has 1 warning sign investors should review. Among 112 Diversified Financial Services companies, EVN Finance JSC ranks better than 85.71% on this metric.
Net margin is calculated as Net Income divided by its Revenue. EVN Finance JSC's Net Income for the
three
months ended in Mar. 2026 was ₫261,298 Mil. EVN Finance JSC's Revenue for the
three
months ended in Mar. 2026 was ₫469,962 Mil. Therefore, EVN Finance JSC's net margin for the quarter that ended in Mar. 2026 was 55.60%.
The historical rank and industry rank for EVN Finance JSC's Net Margin % or its related term are showing as below:
STC:EVF'
s Net Margin % Range Over the Past 10 Years
Min: 29.15 Med: 29.36 Max: 40.5
Current: 40.5
STC:EVF's Net Margin % is ranked better than 85.71% of 112
companies
in the Diversified Financial Services industry
Industry Median: 8.24
vs STC:EVF: 40.50
EVN Finance JSC (STC:EVF) 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.
EVN Finance JSC Net Margin % Related Terms
EVN Finance JSC Net Margin % Historical Data
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The historical data trend for EVN Finance JSC's Net Margin % 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.
For the Financial Conglomerates subindustry, EVN 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.
EVN Finance JSC Net Margin % vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, EVN Finance JSC's Net Margin % distribution charts can be found below:
* The bar in red indicates where EVN 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.
EVN Finance JSC (STC:EVF) has a Net Margin % of 55.60% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on EVN Finance JSC and its competitors. This is 89% above median its historical median of 29.36. Over the past decade, EVN Finance JSC's Net Margin % has ranged from 29.15 to 40.50. According to the industry distribution chart, EVN Finance JSC ranks #16 out of 112 companies in the Diversified Financial Services industry, placing it in the top 14.3%.
Is EVN Finance JSC's Net Margin % too high?
EVN Finance JSC's current Net Margin % of 55.60% is 89% above median its 10-year median of 29.36. Over the past 10 years, this metric has ranged from a low of 29.15 to a high of 40.50. The Diversified Financial Services industry median Net Margin % is 8.24. EVN Finance JSC's value of 55.60% is 574.8% above this industry median. Based on the distribution chart, EVN Finance JSC ranks #16 out of 112 companies in the Diversified Financial Services industry, which is in the top quartile — a strong position relative to peers. Overall, EVN Finance JSC has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does EVN Finance JSC's Net Margin % compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, EVN Finance JSC ranks #16 out of 112 companies for Net Margin %. This places EVN Finance JSC in the top 14% of its industry — outperforming the majority of peers. The industry median Net Margin % is 8.24. EVN Finance JSC's value of 55.60% is 574.8% above this benchmark. Historically, EVN Finance JSC's own Net Margin % has ranged from 29.15 to 40.50 over the past decade. While the company's 10-year median is 29.36 vs. the industry median of 8.24, EVN 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 Diversified Financial Services company?
The median Net Margin % among Diversified Financial Services companies is 8.24, based on 112 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. EVN Finance JSC's current Net Margin % of 55.60% is 574.8% 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 EVN Finance JSC and its competitors. For the Diversified Financial Services industry, the median Net Margin % is 8.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EVN Finance JSC's current Net Margin % is 55.60%, which is 89% above median its own 10-year median of 29.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is EVN Finance JSC stock overvalued right now?
Based on GuruFocus' analysis, EVN Finance JSC (STC:EVF) is currently considered Fairly Valued. The stock's GF Value™ is ₫14,165.19, compared to a current price of ₫13,200.00 — trading 6.8% below its estimated fair value. The current Net Margin % is 55.60%, which is 89% above median its 10-year median of 29.36 and 574.8% above the Diversified Financial Services industry median of 8.24. EVN Finance JSC's overall GF Score™ is 70/100 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 EVN Finance JSC (STC:EVF), the current Net Margin % is 55.60% 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 EVN Finance JSC (STC:EVF) Overvalued in 2026?
Based on GuruFocus' analysis, EVN Finance JSC stock appears to be undervalued.
The current stock price of ₫13,200.00 is trading 6.8% below its estimated GF Value™ of ₫14,165.19.
GuruFocus considers EVN Finance JSC to be Fairly Valued.
Key valuation signals for STC:EVF:
Net Margin %: 55.60% (89% above median its 10-year median of 29.36)
GF Value™: ₫14,165.19 vs. price of ₫13,200.00 (6.8% below fair value)
Industry Position: 574.8% above the Diversified Financial Services median (#16 of 112)
No single metric tells the full story. See the STC:EVF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
EVN Finance JSC operates in the field of finance and currency business in Vietnam. The primary activities of the company include: i) Capital mobilization includes receiving deposits, issuing certificates of deposits, bills, and bonds; borrowing from domestic and foreign financial organizations and credit institutions, ii) Credit activities include providing loans and consumer credit; discounting, re-discounting commercial papers and other valuable papers, iii) Other finance and banking activities include opening and managing deposit accounts and credit accounts for customers; contributing capital and purchasing shares; providing insurance agency services; providing consultancy services; providing asset management services; trading treasury bonds; trading foreign currencies; trading debts.
70GF Score
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