VietCredit Finance JSC (HSTC:TIN) OCF Margin %: -28.57% (As of Mar. 2026)


HSTC:TIN VietCredit Finance JSC HSTC:TIN
29 GF Score
Price ₫123,900.00
! 1 Warning Sign
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What is VietCredit Finance JSC OCF Margin %?

VietCredit Finance JSC HSTC:TIN -0.72% 29 OCF Margin % is -28.57% as of Mar. 2026. GuruFocus rates HSTC:TIN with a GF Score™ of 29/100. The stock has 1 warning sign investors should review. Among 1,501 Banks companies, VietCredit Finance JSC ranks worse than 69.82% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. VietCredit Finance JSC's Cash Flow from Operations for the three months ended in Mar. 2026 was ₫-340,414 Mil. VietCredit Finance JSC's Revenue for the three months ended in Mar. 2026 was ₫1,191,338 Mil. Therefore, VietCredit Finance JSC's OCF Margin % for the quarter that ended in Mar. 2026 was -28.57%.

As of today, VietCredit Finance JSC's current OCF Yield % is 3.64%.

The historical rank and industry rank for VietCredit Finance JSC's OCF Margin % or its related term are showing as below:

HSTC:TIN' s OCF Margin % Range Over the Past 10 Years
Min: -32.1   Med: 5.35   Max: 42.79
Current: 11.45

During the past 2 years, the highest OCF Margin % of VietCredit Finance JSC was 42.79%. The lowest was -32.10%. And the median was 5.35%.

HSTC:TIN's OCF Margin % is ranked worse than
69.82% of 1501 companies
in the Banks industry
Industry Median: 29.44 vs HSTC:TIN: 11.45

VietCredit Finance JSC OCF Margin % Related Terms

VietCredit Finance JSC OCF Margin % Historical Data

* Premium members only.

The historical data trend for VietCredit Finance JSC's OCF 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.

VietCredit Finance JSC OCF Margin % Chart

VietCredit Finance JSC Annual Data
Trend Dec24 Dec25
OCF Margin %
-32.10 42.79

VietCredit Finance JSC Quarterly Data
Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
OCF Margin % Get a 7-Day Free Trial Premium Member Only 121.09 146.92 -168.15 110.41 -28.57

VietCredit Finance JSC OCF Margin % Competitor Comparison

For the Banks - Regional subindustry, VietCredit Finance JSC's OCF Margin %, along with its competitors' market caps and OCF 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.

VietCredit Finance JSC OCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, VietCredit Finance JSC's OCF Margin % distribution charts can be found below:

* The bar in red indicates where VietCredit Finance JSC's OCF Margin % falls into.


HSTC:TIN
29GF Score
VietCredit Finance JSC HSTC:TIN
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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VietCredit Finance JSC OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

VietCredit Finance JSC's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=1168729.942/2731168.749
=42.79 %

VietCredit Finance JSC's OCF Margin for the quarter that ended in Mar. 2026 is calculated as

OCF Margin=Cash Flow from Operations (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=-340414.236/1191337.557
=-28.57 %

* 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.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of -28.57% mean?
VietCredit Finance JSC (HSTC:TIN) has a OCF Margin % of -28.57% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on VietCredit Finance JSC and its competitors. According to the industry distribution chart, VietCredit Finance JSC ranks #1048 out of 1501 companies in the Banks industry, placing it in the top 69.8%.
Is VietCredit Finance JSC's OCF Margin % too high?
VietCredit Finance JSC's current OCF Margin % is -28.57%. Based on the distribution chart, VietCredit Finance JSC ranks #1048 out of 1501 companies in the Banks industry, which is below the industry midpoint. Overall, VietCredit Finance JSC has a GF Score™ of 29/100, reflecting its overall financial health beyond just this single metric.
How does VietCredit Finance JSC's OCF Margin % compare to competitors?
According to the Banks industry distribution chart, VietCredit Finance JSC ranks #1048 out of 1501 companies for OCF Margin %. This places VietCredit Finance JSC in the lower half of its industry. The industry median OCF Margin % is 29.44. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on VietCredit Finance JSC and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. VietCredit Finance JSC's current OCF Margin % is -28.57%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VietCredit Finance JSC stock overvalued right now?
VietCredit Finance JSC (HSTC:TIN) has a current OCF Margin % of -28.57%. The current OCF Margin % is -28.57%. VietCredit Finance JSC's overall GF Score™ is 29/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For VietCredit Finance JSC (HSTC:TIN), the current OCF Margin % is -28.57% 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.

VietCredit Finance JSC Business Description

Address No. 98 Hoang Quoc Viet, 9th Floor, V.E.T Tower, Nghia Do Ward, Hanoi, VNM
VietCredit Finance JSC is engaged in providing financial services under its Establishment and Operation License, including mobilising and receiving term deposits from organisations, granting short, medium, and long-term loans and consumption loans to organisations and individuals based on its capital sources, and conducting foreign currency trading, treasury services, and other cash services as approved by the SBV. Its products include credit cards, certificates of deposit, and small business loans.
29GF Score

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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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