EVN Finance JSCSTC:EVF 70 PB Ratio is 0.99 as of Jun. 26, 2026, which is 8% above its 10-year median of 0.92. GuruFocus rates STC:EVF with a GF Score™ of 70/100 and a GF Value™ of ₫14,165.19 (Fairly Valued). The stock has 1 warning sign investors should review. Among 472 Diversified Financial Services companies, EVN Finance JSC ranks better than 85.17% on this metric.
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. As of today (2026-06-26), EVN Finance JSC's share price is ₫13200.00. EVN Finance JSC's Book Value per Share for the quarter that ended in Mar. 2026 was ₫13,336.02. Hence, EVN Finance JSC's PB Ratio of today is 0.99.
The historical rank and industry rank for EVN Finance JSC's PB Ratio or its related term are showing as below:
STC:EVF'
s PB Ratio Range Over the Past 10 Years
Min: 0.53 Med: 0.92 Max: 1.6
Current: 0.99
During the past 6 years, EVN Finance JSC's highest PB Ratio was 1.60. The lowest was 0.53. And the median was 0.92.
STC:EVF's PB Ratio is ranked better than 85.17% of 472
companies
in the Diversified Financial Services industry
Industry Median: 1.385
vs STC:EVF: 0.99
During the past 12 months, EVN Finance JSC's average Book Value Per Share Growth Rate was 9.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 4.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 8.10% per year.
During the past 6 years, the highest 3-Year average Book Value Per Share Growth Rate of EVN Finance JSC was 8.80% per year. The lowest was 4.30% per year. And the median was 8.20% per year.
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.
EVN Finance JSC PB Ratio Related Terms
EVN Finance JSC PB Ratio Historical Data
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The historical data trend for EVN Finance JSC's PB Ratio 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.
For the Financial Conglomerates subindustry, EVN 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.
EVN Finance JSC PB Ratio vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, EVN Finance JSC's PB Ratio distribution charts can be found below:
* The bar in red indicates where EVN 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.
EVN Finance JSC's PB Ratio for today is calculated as follows:
* 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.
EVN Finance JSC (STC:EVF) has a PB Ratio of 0.99 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on EVN Finance JSC and its competitors. This is near median its historical median of 0.92. Over the past decade, EVN Finance JSC's PB Ratio has ranged from 0.53 to 1.60. According to the industry distribution chart, EVN Finance JSC ranks #70 out of 472 companies in the Diversified Financial Services industry, placing it in the top 14.8%.
Is EVN Finance JSC's PB Ratio too high?
EVN Finance JSC's current PB Ratio of 0.99 is near median its 10-year median of 0.92. Over the past 10 years, this metric has ranged from a low of 0.53 to a high of 1.60. The Diversified Financial Services industry median PB Ratio is 1.39. EVN Finance JSC's value of 0.99 is 28.5% below this industry median. Based on the distribution chart, EVN Finance JSC ranks #70 out of 472 companies in the Diversified Financial Services industry, which is in the top quartile — a strong position relative to peers. Overall, EVN Finance JSC has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does EVN Finance JSC's PB Ratio compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, EVN Finance JSC ranks #70 out of 472 companies for PB Ratio. This places EVN Finance JSC in the top 15% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.39. EVN Finance JSC's value of 0.99 is 28.5% below this benchmark. Historically, EVN Finance JSC's own PB Ratio has ranged from 0.53 to 1.60 over the past decade. While the company's 10-year median is 0.92 vs. the industry median of 1.39, EVN Finance JSC has consistently been below 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 Diversified Financial Services company?
The median PB Ratio among Diversified Financial Services companies is 1.39, based on 472 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. EVN Finance JSC's current PB Ratio of 0.99 is 28.5% below 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 EVN Finance JSC and its competitors. For the Diversified Financial Services industry, the median PB Ratio is 1.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EVN Finance JSC's current PB Ratio is 0.99, which is near median its own 10-year median of 0.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is EVN Finance JSC stock overvalued right now?
Based on GuruFocus' analysis, EVN Finance JSC (STC:EVF) is currently considered Fairly Valued. The stock's GF Value™ is ₫14,165.19, compared to a current price of ₫13,200.00 — trading 6.8% below its estimated fair value. The current PB Ratio is 0.99, which is near median its 10-year median of 0.92 and 28.5% below the Diversified Financial Services industry median of 1.39. EVN Finance JSC's overall GF Score™ is 70/100 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 EVN Finance JSC (STC:EVF), the current PB Ratio is 0.99 as of Jun. 26, 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 EVN Finance JSC (STC:EVF) Overvalued in 2026?
Based on GuruFocus' analysis, EVN Finance JSC stock appears to be undervalued.
The current stock price of ₫13,200.00 is trading 6.8% below its estimated GF Value™ of ₫14,165.19.
GuruFocus considers EVN Finance JSC to be Fairly Valued.
Key valuation signals for STC:EVF:
PB Ratio: 0.99 (near median its 10-year median of 0.92)
GF Value™: ₫14,165.19 vs. price of ₫13,200.00 (6.8% below fair value)
Industry Position: 28.5% below the Diversified Financial Services median (#70 of 472)
No single metric tells the full story. See the STC:EVF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
EVN Finance JSC operates in the field of finance and currency business in Vietnam. The primary activities of the company include: i) Capital mobilization includes receiving deposits, issuing certificates of deposits, bills, and bonds; borrowing from domestic and foreign financial organizations and credit institutions, ii) Credit activities include providing loans and consumer credit; discounting, re-discounting commercial papers and other valuable papers, iii) Other finance and banking activities include opening and managing deposit accounts and credit accounts for customers; contributing capital and purchasing shares; providing insurance agency services; providing consultancy services; providing asset management services; trading treasury bonds; trading foreign currencies; trading debts.
70GF Score
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