STC:TCB'
s Net Margin % Range Over the Past 10 Years
Min: 28.76 Med: 47.52 Max: 51.95
Current: 44.35
STC:TCB's Net Margin % is ranked better than 89.91% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs STC:TCB: 44.35
Vietnam Technological and Commercial Joint Stock bank (STC:TCB) 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.
Vietnam Technological and Commercial Joint Stock bank Net Margin % Related Terms
Vietnam Technological and 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.
Vietnam Technological and Commercial Joint Stock bank Net Margin % Chart
Vietnam Technological and Commercial Joint Stock bank 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.
Vietnam Technological and 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.
Vietnam Technological and Commercial Joint Stock bank (STC:TCB) has a Net Margin % of 48.77% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Vietnam Technological and Commercial Joint Stock bank and its competitors. This is near median its historical median of 47.52. Over the past decade, Vietnam Technological and Commercial Joint Stock bank's Net Margin % has ranged from 28.76 to 51.95. According to the industry distribution chart, Vietnam Technological and Commercial Joint Stock bank ranks #154 out of 1527 companies in the Banks industry, placing it in the top 10.1%.
Is Vietnam Technological and Commercial Joint Stock bank's Net Margin % too high?
Vietnam Technological and Commercial Joint Stock bank's current Net Margin % of 48.77% is near median its 10-year median of 47.52. Over the past 10 years, this metric has ranged from a low of 28.76 to a high of 51.95. The Banks industry median Net Margin % is 26.95. Vietnam Technological and Commercial Joint Stock bank's value of 48.77% is 81% above this industry median. Based on the distribution chart, Vietnam Technological and Commercial Joint Stock bank ranks #154 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Vietnam Technological and Commercial Joint Stock bank has a GF Score™ of 82/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Vietnam Technological and Commercial Joint Stock bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Vietnam Technological and Commercial Joint Stock bank ranks #154 out of 1527 companies for Net Margin %. This places Vietnam Technological and Commercial Joint Stock bank in the top 10% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. Vietnam Technological and Commercial Joint Stock bank's value of 48.77% is 81% above this benchmark. Historically, Vietnam Technological and Commercial Joint Stock bank's own Net Margin % has ranged from 28.76 to 51.95 over the past decade. While the company's 10-year median is 47.52 vs. the industry median of 26.95, Vietnam Technological and 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. Vietnam Technological and Commercial Joint Stock bank's current Net Margin % of 48.77% is 81% 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 Vietnam Technological and 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. Vietnam Technological and Commercial Joint Stock bank's current Net Margin % is 48.77%, which is near median its own 10-year median of 47.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vietnam Technological and Commercial Joint Stock bank stock overvalued right now?
Based on GuruFocus' analysis, Vietnam Technological and Commercial Joint Stock bank (STC:TCB) is currently considered Fairly Valued. The stock's GF Value™ is ₫31,293.15, compared to a current price of ₫33,400.00 — trading 6.7% above its estimated fair value. The current Net Margin % is 48.77%, which is near median its 10-year median of 47.52 and 81% above the Banks industry median of 26.95. Vietnam Technological and Commercial Joint Stock bank's overall GF Score™ is 82/100 with 3 warning signs 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 Vietnam Technological and Commercial Joint Stock bank (STC:TCB), the current Net Margin % is 48.77% 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 Vietnam Technological and Commercial Joint Stock bank (STC:TCB) Overvalued in 2026?
Based on GuruFocus' analysis, Vietnam Technological and Commercial Joint Stock bank stock appears to be overvalued.
The current stock price of ₫33,400.00 is trading 6.7% above its estimated GF Value™ of ₫31,293.15.
GuruFocus considers Vietnam Technological and Commercial Joint Stock bank to be Fairly Valued.
Key valuation signals for STC:TCB:
Net Margin %: 48.77% (near median its 10-year median of 47.52)
GF Value™: ₫31,293.15 vs. price of ₫33,400.00 (6.7% above fair value)
Industry Position: 81% above the Banks median (#154 of 1527)
No single metric tells the full story. See the STC:TCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vietnam Technological and Commercial Joint Stock bank Business Description
Vietnam Technological and Commercial Joint Stock bank The principal activities of the Bank are mobilizing and receiving short, medium and long-term deposit funds from organizations and individuals; lending on short, medium and long-term basis; conducting settlement and cash services and other banking services as approved by the SBV; conducting investments in subsidiaries, associates, joint-ventures and other companies; conducting investments in bonds and dealing in foreign exchange as per regulations.
82GF 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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