Vietnam Prosperity JSC BankSTC:VPB 76 Net Margin % is 31.06% as of Mar. 2026, which is 21% above its 10-year median of 25.71. GuruFocus rates STC:VPB with a GF Score™ of 76/100 and a GF Value™ of ₫27,547.55 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,527 Banks companies, Vietnam Prosperity JSC Bank ranks better than 67.98% on this metric.
The historical rank and industry rank for Vietnam Prosperity JSC Bank's Net Margin % or its related term are showing as below:
STC:VPB'
s Net Margin % Range Over the Past 10 Years
Min: 19.91 Med: 25.71 Max: 32.08
Current: 32.08
STC:VPB's Net Margin % is ranked better than 67.98% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs STC:VPB: 32.08
Vietnam Prosperity JSC Bank (STC:VPB) 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 Prosperity JSC Bank Net Margin % Related Terms
Vietnam Prosperity JSC 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 Prosperity JSC Bank Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Vietnam Prosperity JSC 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.
Vietnam Prosperity JSC Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Vietnam Prosperity JSC Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Vietnam Prosperity JSC Bank'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.
Vietnam Prosperity JSC Bank (STC:VPB) has a Net Margin % of 31.06% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Vietnam Prosperity JSC Bank and its competitors. This is 21% above median its historical median of 25.71. Over the past decade, Vietnam Prosperity JSC Bank's Net Margin % has ranged from 19.91 to 32.08. According to the industry distribution chart, Vietnam Prosperity JSC Bank ranks #489 out of 1527 companies in the Banks industry, placing it in the top 32%.
Is Vietnam Prosperity JSC Bank's Net Margin % too high?
Vietnam Prosperity JSC Bank's current Net Margin % of 31.06% is 21% above median its 10-year median of 25.71. Over the past 10 years, this metric has ranged from a low of 19.91 to a high of 32.08. The Banks industry median Net Margin % is 26.95. Vietnam Prosperity JSC Bank's value of 31.06% is 15.3% above this industry median. Based on the distribution chart, Vietnam Prosperity JSC Bank ranks #489 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, Vietnam Prosperity JSC Bank has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Vietnam Prosperity JSC Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Vietnam Prosperity JSC Bank ranks #489 out of 1527 companies for Net Margin %. This puts Vietnam Prosperity JSC Bank in the upper half of its industry. The industry median Net Margin % is 26.95. Vietnam Prosperity JSC Bank's value of 31.06% is 15.3% above this benchmark. Historically, Vietnam Prosperity JSC Bank's own Net Margin % has ranged from 19.91 to 32.08 over the past decade. While the company's 10-year median is 25.71 vs. the industry median of 26.95, Vietnam Prosperity JSC 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 Prosperity JSC Bank's current Net Margin % of 31.06% is 15.3% 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 Prosperity JSC 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 Prosperity JSC Bank's current Net Margin % is 31.06%, which is 21% above median its own 10-year median of 25.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vietnam Prosperity JSC Bank stock overvalued right now?
Based on GuruFocus' analysis, Vietnam Prosperity JSC Bank (STC:VPB) is currently considered Fairly Valued. The stock's GF Value™ is ₫27,547.55, compared to a current price of ₫26,550.00 — trading 3.6% below its estimated fair value. The current Net Margin % is 31.06%, which is 21% above median its 10-year median of 25.71 and 15.3% above the Banks industry median of 26.95. Vietnam Prosperity JSC Bank's overall GF Score™ is 76/100 with 2 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 Prosperity JSC Bank (STC:VPB), the current Net Margin % is 31.06% 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 Prosperity JSC Bank (STC:VPB) Overvalued in 2026?
Based on GuruFocus' analysis, Vietnam Prosperity JSC Bank stock appears to be undervalued.
The current stock price of ₫26,550.00 is trading 3.6% below its estimated GF Value™ of ₫27,547.55.
GuruFocus considers Vietnam Prosperity JSC Bank to be Fairly Valued.
Key valuation signals for STC:VPB:
Net Margin %: 31.06% (21% above median its 10-year median of 25.71)
GF Value™: ₫27,547.55 vs. price of ₫26,550.00 (3.6% below fair value)
Industry Position: 15.3% above the Banks median (#489 of 1527)
No single metric tells the full story. See the STC:VPB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vietnam Prosperity JSC Bank is engaged in offering banking services in Vietnam. The firm offers personal services, cards, e-banking services, insurance, and other financial services for household and small and medium enterprises. Its segment includes Banking; Finance company and Asset and liabilities management. The company generates maximum revenue from the Banking segment.
76GF 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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