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EVN Finance JSCSTC:EVF +2.92%68 Net-Net Working Capital is ₫-79,900.88 as of Mar. 2026. GuruFocus rates STC:EVF with a GF Score™ of 68/100 and a GF Value™ of ₫14,419.08 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 178 Diversified Financial Services companies, EVN Finance JSC ranks worse than 561797.19% on this metric.
In calculating the Net-Net Working Capital (NNWC), Benjamin Graham assumed that a company's accounts receivable is only worth 75% its value, its inventory is only worth 50% of its value, but its liabilities have to be paid in full. In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. This is a conservative way of estimating the company's value.
EVN Finance JSC's Net-Net Working Capital for the quarter that ended in Mar. 2026 was ₫-79,900.88.
The industry rank for EVN Finance JSC's Net-Net Working Capital or its related term are showing as below:
STC:EVF's Price-to-Net-Net-Working-Capital is not ranked *
in the Diversified Financial Services industry.
Industry Median: 2.29 * Ranked among companies with meaningful Price-to-Net-Net-Working-Capital only.
EVN Finance JSC (STC:EVF) Net-Net Working Capital Explanation
One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Graham's strategy produced similar results.
Benjamin Graham looked for companies whose market values were less than two-thirds of their net-net value. They are collected under our Net-Net screener.
EVN Finance JSC Net-Net Working Capital Related Terms
EVN Finance JSC Net-Net Working Capital Historical Data
* Premium members only.
The historical data trend for EVN Finance JSC's Net-Net Working Capital 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.
STC:EVF vs VOYA, FRHC: Net-Net Working Capital Comparison
For the Financial Conglomerates subindustry, EVN Finance JSC's Price-to-Net-Net-Working-Capital, along with its competitors' market caps and Price-to-Net-Net-Working-Capital 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 Price-to-Net-Net-Working-Capital vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, EVN Finance JSC's Price-to-Net-Net-Working-Capital distribution charts can be found below:
* The bar in red indicates where EVN Finance JSC's Price-to-Net-Net-Working-Capital 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.
In calculating the Net-Net Working Capital (NNWC), Benjamin Graham assumed that a company's accounts receivable is only worth 75% its value, its inventory is only worth 50% of its value, but its liabilities have to be paid in full.
In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. In "Security Analysis", preferred stock is dubbed "an imperfect creditorship position" that is best placed on the balance sheet alongside funded debt.
This is a conservative way of estimating the company's value.
What does a Net-Net Working Capital of ₫-79,900.88 mean?
EVN Finance JSC (STC:EVF) has a Net-Net Working Capital of ₫-79,900.88 as of Mar. 2026. Ben Graham defined net-net working capital as the per-share sum of cash, 75% of receivables and 50% of inventory less total liabilities. View historical data on EVN Finance JSC According to the industry distribution chart, EVN Finance JSC ranks #999999 out of 178 companies in the Diversified Financial Services industry.
Is EVN Finance JSC's Net-Net Working Capital too high?
EVN Finance JSC's current Net-Net Working Capital is ₫-79,900.88. Based on the distribution chart, EVN Finance JSC ranks #999999 out of 178 companies in the Diversified Financial Services industry, which is in the bottom quartile relative to peers. Overall, EVN Finance JSC has a GF Score™ of 68/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does EVN Finance JSC's Net-Net Working Capital compare to VOYA and FRHC?
According to the Diversified Financial Services industry distribution chart, EVN Finance JSC ranks #999999 out of 178 companies for Net-Net Working Capital. This places EVN Finance JSC in the lower half of its industry. The industry median Net-Net Working Capital is 2.29. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net-Net Working Capital for a Diversified Financial Services company?
The median Net-Net Working Capital among Diversified Financial Services companies is 2.29, based on 178 companies in the industry. Companies in the top quartile (top 25%) have a Net-Net Working Capital significantly above this median, while those in the bottom quartile fall well below. However, Net-Net Working Capital should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net-Net Working Capital mean?
A high Net-Net Working Capital can signal that a stock is expensive relative to its fundamentals. Ben Graham defined net-net working capital as the per-share sum of cash, 75% of receivables and 50% of inventory less total liabilities. View historical data on EVN Finance JSC For the Diversified Financial Services industry, the median Net-Net Working Capital is 2.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EVN Finance JSC's current Net-Net Working Capital is ₫-79,900.88. 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 Modestly Undervalued. The stock's GF Value™ is ₫14,419.08, compared to a current price of ₫12,350.00 — trading 14.3% below its estimated fair value. The current Net-Net Working Capital is ₫-79,900.88. EVN Finance JSC's overall GF Score™ is 68/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net-Net Working Capital calculated?
Net-Net Working Capital is calculated from a company's financial statements. For EVN Finance JSC (STC:EVF), the current Net-Net Working Capital is ₫-79,900.88 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 ₫12,350.00 is trading 14.3% below its estimated GF Value™ of ₫14,419.08.
GuruFocus considers EVN Finance JSC to be Modestly Undervalued.
Key valuation signals for STC:EVF:
Net-Net Working Capital: ₫-79,900.88
GF Value™: ₫14,419.08 vs. price of ₫12,350.00 (14.3% below fair value)
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.
68GF Score
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