* 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 234.75% as of Mar. 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. This is 211% above median its historical median of 75.48. According to the industry distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #186 out of 1501 companies in the Banks industry, placing it in the top 12.4%.
Is Sai Gon - Hanoi Commercial Joint Stock Bank's OCF Margin % too high?
Sai Gon - Hanoi Commercial Joint Stock Bank's current OCF Margin % of 234.75% is 211% above median its 10-year median of 75.48. The Banks industry median OCF Margin % is 29.44. Sai Gon - Hanoi Commercial Joint Stock Bank's value of 234.75% is 697.4% above this industry median. Based on the distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #186 out of 1501 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 Fairly Valued, 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 #186 out of 1501 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 29.44. Sai Gon - Hanoi Commercial Joint Stock Bank's value of 234.75% is 697.4% above this benchmark. While the company's 10-year median is 75.48 vs. the industry median of 29.44, Sai Gon - Hanoi 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 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. Sai Gon - Hanoi Commercial Joint Stock Bank's current OCF Margin % of 234.75% is 697.4% 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 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 29.44 — 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 234.75%, which is 211% above median its own 10-year median of 75.48. 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 Fairly Valued. The stock's GF Value™ is ₫14,301.11, compared to a current price of ₫13,650.00 — trading 4.6% below its estimated fair value. The current OCF Margin % is 234.75%, which is 211% above median its 10-year median of 75.48 and 697.4% above the Banks industry median of 29.44. Sai Gon - Hanoi Commercial Joint Stock Bank's overall GF Score™ is 65/100 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 Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB), the current OCF Margin % is 234.75% 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 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 ₫13,650.00 is trading 4.6% below its estimated GF Value™ of ₫14,301.11.
GuruFocus considers Sai Gon - Hanoi Commercial Joint Stock Bank to be Fairly Valued.
Key valuation signals for STC:SHB:
OCF Margin %: 234.75% (211% above median its 10-year median of 75.48)
GF Value™: ₫14,301.11 vs. price of ₫13,650.00 (4.6% below fair value)
Industry Position: 697.4% above the Banks median (#186 of 1501)
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 Business Description
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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