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* 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 OCF Margin % Chart
Sai Gon - Hanoi Commercial Joint Stock Bank Annual Data
Sai Gon - Hanoi Commercial Joint Stock Bank OCF Margin % Competitor Comparison
For the Banks - Regional subindustry, Sai Gon - Hanoi Commercial Joint Stock Bank'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.
Sai Gon - Hanoi Commercial Joint Stock Bank OCF 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 OCF Margin % of -169.46% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors. According to the industry distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #185 out of 1498 companies in the Banks industry, placing it in the top 12.3%.
Is Sai Gon - Hanoi Commercial Joint Stock Bank's OCF Margin % too high?
Sai Gon - Hanoi Commercial Joint Stock Bank's current OCF Margin % is -169.46%. Based on the distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #185 out of 1498 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 Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Sai Gon - Hanoi Commercial Joint Stock Bank's OCF Margin % compare to competitors?
According to the Banks industry distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #185 out of 1498 companies for OCF Margin %. This places Sai Gon - Hanoi Commercial Joint Stock Bank in the top 12% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 29.71. 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 29.71, based on 1,498 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 Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors. For the Banks industry, the median OCF Margin % is 29.71 — 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 OCF Margin % is -169.46%. 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 Modestly Undervalued. The stock's GF Value™ is ₫13,748.26, compared to a current price of ₫11,700.00 — trading 14.9% below its estimated fair value. The current OCF Margin % is -169.46%. Sai Gon - Hanoi Commercial Joint Stock Bank's overall GF Score™ is 65/100 with 3 warning signs 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 Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB), the current OCF Margin % is -169.46% as of Jun. 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 ₫11,700.00 is trading 14.9% below its estimated GF Value™ of ₫13,748.26.
GuruFocus considers Sai Gon - Hanoi Commercial Joint Stock Bank to be Modestly Undervalued.
Key valuation signals for STC:SHB:
OCF Margin %: -169.46%
GF Value™: ₫13,748.26 vs. price of ₫11,700.00 (14.9% below fair value)
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 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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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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