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If a company's dividend payout ratio is too high, its dividend may not be sustainable. The dividend payout ratio of Loc Phat Vietnam Commercial Joint Stock Bank is 0.79, which seems too high.
Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Loc Phat Vietnam Commercial Joint Stock Bank Dividend Payout Ratio Related Terms
Loc Phat Vietnam Commercial Joint Stock Bank Dividend Payout Ratio 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.
Loc Phat Vietnam Commercial Joint Stock Bank Dividend Payout Ratio Chart
Loc Phat Vietnam Commercial Joint Stock Bank Annual Data
Loc Phat Vietnam Commercial Joint Stock Bank Dividend Payout Ratio Competitor Comparison
For the Banks - Regional subindustry, Loc Phat Vietnam Commercial Joint Stock Bank's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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.
Loc Phat Vietnam Commercial Joint Stock Bank Dividend Payout Ratio vs Banks Industry
Loc Phat Vietnam Commercial Joint Stock Bank Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
* 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.
Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) has a Dividend Payout Ratio of 3.56 as of Jun. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Loc Phat Vietnam Commercial Joint Stock Bank and its competitors. This is 448% above median its historical median of 0.65. Over the past decade, Loc Phat Vietnam Commercial Joint Stock Bank's Dividend Payout Ratio has ranged from 0.65 to 0.79. According to the industry distribution chart, Loc Phat Vietnam Commercial Joint Stock Bank ranks #1097 out of 1167 companies in the Banks industry, placing it in the top 94%.
Is Loc Phat Vietnam Commercial Joint Stock Bank's Dividend Payout Ratio too high?
Loc Phat Vietnam Commercial Joint Stock Bank's current Dividend Payout Ratio of 3.56 is 448% above median its 10-year median of 0.65. Over the past 10 years, this metric has ranged from a low of 0.65 to a high of 0.79. The Banks industry median Dividend Payout Ratio is 0.33. Loc Phat Vietnam Commercial Joint Stock Bank's value of 3.56 is 978.8% above this industry median. Based on the distribution chart, Loc Phat Vietnam Commercial Joint Stock Bank ranks #1097 out of 1167 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Loc Phat Vietnam Commercial Joint Stock Bank has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Loc Phat Vietnam Commercial Joint Stock Bank's Dividend Payout Ratio compare to competitors?
According to the Banks industry distribution chart, Loc Phat Vietnam Commercial Joint Stock Bank ranks #1097 out of 1167 companies for Dividend Payout Ratio. This places Loc Phat Vietnam Commercial Joint Stock Bank in the lower half of its industry. The industry median Dividend Payout Ratio is 0.33. Loc Phat Vietnam Commercial Joint Stock Bank's value of 3.56 is 978.8% above this benchmark. Historically, Loc Phat Vietnam Commercial Joint Stock Bank's own Dividend Payout Ratio has ranged from 0.65 to 0.79 over the past decade. While the company's 10-year median is 0.65 vs. the industry median of 0.33, Loc Phat Vietnam 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.33, based on 1,167 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Loc Phat Vietnam Commercial Joint Stock Bank's current Dividend Payout Ratio of 3.56 is 978.8% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Loc Phat Vietnam Commercial Joint Stock Bank and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Loc Phat Vietnam Commercial Joint Stock Bank's current Dividend Payout Ratio is 3.56, which is 448% above median its own 10-year median of 0.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Loc Phat Vietnam Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₫37,613.22, compared to a current price of ₫52,900.00 — trading 40.6% above its estimated fair value. The current Dividend Payout Ratio is 3.56, which is 448% above median its 10-year median of 0.65 and 978.8% above the Banks industry median of 0.33. Loc Phat Vietnam Commercial Joint Stock Bank's overall GF Score™ is 67/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB), the current Dividend Payout Ratio is 3.56 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 Loc Phat Vietnam Commercial Joint Stock Bank (STC:LPB) Overvalued in 2026?
Based on GuruFocus' analysis, Loc Phat Vietnam Commercial Joint Stock Bank stock appears to be overvalued.
The current stock price of ₫52,900.00 is trading 40.6% above its estimated GF Value™ of ₫37,613.22.
GuruFocus considers Loc Phat Vietnam Commercial Joint Stock Bank to be Significantly Overvalued.
Key valuation signals for STC:LPB:
Dividend Payout Ratio: 3.56 (448% above median its 10-year median of 0.65)
GF Value™: ₫37,613.22 vs. price of ₫52,900.00 (40.6% above fair value)
Industry Position: 978.8% above the Banks median (#1097 of 1167)
No single metric tells the full story. See the STC:LPB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Loc Phat Vietnam Commercial Joint Stock Bank is a financial institution in Vietnam operating with the mission of providing comprehensive financial solutions for individual customers, businesses, and partners. Its offerings include Payment accounts, Cards, savings, loans, International money transfer, Insurance, and other services.
67GF Score
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