STC:SHB'
s Net Margin % Range Over the Past 10 Years
Min: 19.18 Med: 27.16 Max: 48.31
Current: 40.47
STC:SHB's Net Margin % is ranked better than 85.33% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs STC:SHB: 40.47
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) 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.
Sai Gon - Hanoi Commercial Joint Stock Bank Net Margin % Related Terms
Sai Gon - Hanoi Commercial Joint Stock Bank 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.
Sai Gon - Hanoi Commercial Joint Stock Bank Net Margin % Chart
Sai Gon - Hanoi Commercial Joint Stock Bank Annual Data
Sai Gon - Hanoi Commercial Joint Stock Bank Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Sai Gon - Hanoi Commercial Joint Stock Bank'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.
Sai Gon - Hanoi Commercial Joint Stock Bank 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.
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) has a Net Margin % of 49.86% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors. This is 84% above median its historical median of 27.16. Over the past decade, Sai Gon - Hanoi Commercial Joint Stock Bank's Net Margin % has ranged from 19.18 to 48.31. According to the industry distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #224 out of 1527 companies in the Banks industry, placing it in the top 14.7%.
Is Sai Gon - Hanoi Commercial Joint Stock Bank's Net Margin % too high?
Sai Gon - Hanoi Commercial Joint Stock Bank's current Net Margin % of 49.86% is 84% above median its 10-year median of 27.16. Over the past 10 years, this metric has ranged from a low of 19.18 to a high of 48.31. The Banks industry median Net Margin % is 26.95. Sai Gon - Hanoi Commercial Joint Stock Bank's value of 49.86% is 85% above this industry median. Based on the distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #224 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Sai Gon - Hanoi Commercial Joint Stock Bank has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sai Gon - Hanoi Commercial Joint Stock Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #224 out of 1527 companies for Net Margin %. This places Sai Gon - Hanoi Commercial Joint Stock Bank in the top 15% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. Sai Gon - Hanoi Commercial Joint Stock Bank's value of 49.86% is 85% above this benchmark. Historically, Sai Gon - Hanoi Commercial Joint Stock Bank's own Net Margin % has ranged from 19.18 to 48.31 over the past decade. While the company's 10-year median is 27.16 vs. the industry median of 26.95, Sai Gon - Hanoi Commercial Joint Stock Bank 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. Sai Gon - Hanoi Commercial Joint Stock Bank's current Net Margin % of 49.86% is 85% 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 Sai Gon - Hanoi Commercial Joint Stock Bank 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. Sai Gon - Hanoi Commercial Joint Stock Bank's current Net Margin % is 49.86%, which is 84% above median its own 10-year median of 27.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sai Gon - Hanoi Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) is currently considered Fairly Valued. The stock's GF Value™ is ₫14,301.11, compared to a current price of ₫13,650.00 — trading 4.6% below its estimated fair value. The current Net Margin % is 49.86%, which is 84% above median its 10-year median of 27.16 and 85% above the Banks industry median of 26.95. Sai Gon - Hanoi Commercial Joint Stock Bank's overall GF Score™ is 65/100 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 Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB), the current Net Margin % is 49.86% 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 Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) Overvalued in 2026?
Based on GuruFocus' analysis, Sai Gon - Hanoi Commercial Joint Stock Bank stock appears to be undervalued.
The current stock price of ₫13,650.00 is trading 4.6% below its estimated GF Value™ of ₫14,301.11.
GuruFocus considers Sai Gon - Hanoi Commercial Joint Stock Bank to be Fairly Valued.
Key valuation signals for STC:SHB:
Net Margin %: 49.86% (84% above median its 10-year median of 27.16)
GF Value™: ₫14,301.11 vs. price of ₫13,650.00 (4.6% below fair value)
Industry Position: 85% above the Banks median (#224 of 1527)
No single metric tells the full story. See the STC:SHB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sai Gon - Hanoi Commercial Joint Stock Bank Business Description
Sai Gon - Hanoi Commercial Joint Stock Bank is a Vietnam-based banking corporation. It offers various banking services to its customers, including retail banking, corporate banking, and other banking-related services. Its products and services include savings, current accounts, money transfer services, E-banking, guarantee service, and forex trading and treasury services. It also provides credit in the form of car loans, rubber loans, agricultural product loans, business overdrafts, and medium and long-term loans and credit facilities. The company operates in four reportable segments: credit, investment, services, and treasury. The primary source of its revenue is interest income, commission, and fees received by providing advisory and financial services to the customer.
65GF 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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