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VietCredit Finance JSCHSTC:TIN 29 PB Ratio is 3.76 as of Jul. 16, 2026, which is 5% above its 10-year median of 3.57. GuruFocus rates HSTC:TIN with a GF Score™ of 29/100. The stock has 1 warning sign investors should review. Among 1,517 Banks companies, VietCredit Finance JSC ranks worse than 97.82% on this metric.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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 PB Ratio Competitor Comparison
For the Banks - Regional subindustry, VietCredit Finance JSC's PB Ratio, along with its competitors' market caps and PB 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.
VietCredit Finance JSC PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, VietCredit Finance JSC's PB Ratio distribution charts can be found below:
* The bar in red indicates where VietCredit Finance JSC's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
VietCredit Finance JSC (HSTC:TIN) has a PB Ratio of 3.76 as of Jul. 16, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on VietCredit Finance JSC and its competitors. This is near median its historical median of 3.57. Over the past decade, VietCredit Finance JSC's PB Ratio has ranged from 1.19 to 6.34. According to the industry distribution chart, VietCredit Finance JSC ranks #1484 out of 1517 companies in the Banks industry, placing it in the top 97.8%.
Is VietCredit Finance JSC's PB Ratio too high?
VietCredit Finance JSC's current PB Ratio of 3.76 is near median its 10-year median of 3.57. Over the past 10 years, this metric has ranged from a low of 1.19 to a high of 6.34. The Banks industry median PB Ratio is 1.11. VietCredit Finance JSC's value of 3.76 is 238.7% above this industry median. Based on the distribution chart, VietCredit Finance JSC ranks #1484 out of 1517 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 PB Ratio compare to competitors?
According to the Banks industry distribution chart, VietCredit Finance JSC ranks #1484 out of 1517 companies for PB Ratio. This places VietCredit Finance JSC in the lower half of its industry. The industry median PB Ratio is 1.11. VietCredit Finance JSC's value of 3.76 is 238.7% above this benchmark. Historically, VietCredit Finance JSC's own PB Ratio has ranged from 1.19 to 6.34 over the past decade. While the company's 10-year median is 3.57 vs. the industry median of 1.11, VietCredit Finance JSC 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. VietCredit Finance JSC's current PB Ratio of 3.76 is 238.7% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on VietCredit Finance JSC and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. VietCredit Finance JSC's current PB Ratio is 3.76, which is near median its own 10-year median of 3.57. 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 PB Ratio of 3.76. The current PB Ratio is 3.76, which is near median its 10-year median of 3.57 and 238.7% above the Banks industry median of 1.11. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For VietCredit Finance JSC (HSTC:TIN), the current PB Ratio is 3.76 as of Jul. 16, 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 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.
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