EVN Finance JSCSTC:EVF +0.39%67 Peter Lynch Fair Value is ₫9,536.42 as of Jul. 11, 2026, which is 100% below its 10-year median of 1.16. GuruFocus rates STC:EVF with a GF Score™ of 67/100 and a GF Value™ of ₫14,139.16 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 31 Diversified Financial Services companies, EVN Finance JSC ranks worse than 70.97% on this metric.
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Here, as of today, EVN Finance JSC's PEG is 1. EVN Finance JSC's 5-Year TTM Book Value Growth Rate is 8.11.
EVN Finance JSC's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was ₫1,175.88. Therefore, the Peter Lynch Fair Value for today is ₫9,536.42.
As of today (2026-07-11), EVN Finance JSC's share price is ₫12750.00. EVN Finance JSC's Peter Lynch fair value is ₫9,536.42. Therefore, EVN Finance JSC's Price to Peter Lynch Fair Value Ratio for today is 1.34.
The historical rank and industry rank for EVN Finance JSC's Peter Lynch Fair Value or its related term are showing as below:
STC:EVF'
s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 1.16 Med: 1.16 Max: 1.38
Current: 1.34
During the past 6 years, the highest Price to Peter Lynch Fair Value Ratio of EVN Finance JSC was 1.38. The lowest was 1.16. And the median was 1.16.
STC:EVF's Price-to-Peter-Lynch-Fair-Value is ranked worse than 70.97% of 31
companies
in the Diversified Financial Services industry
Industry Median: 0.85
vs STC:EVF: 1.34
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
EVN Finance JSC (STC:EVF) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of Book Value per share over the past 5 years, which is 8.11 instead of 15 in this case.
EVN Finance JSC's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
12750.00
/
9,536.42
=
1.34
* 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.
EVN Finance JSC Peter Lynch Fair Value Related Terms
EVN Finance JSC Peter Lynch Fair Value Historical Data
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The historical data trend for EVN Finance JSC's Peter Lynch Fair Value 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.
STC:EVF vs VOYA, FRHC: Peter Lynch Fair Value Comparison
For the Financial Conglomerates subindustry, EVN Finance JSC's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value 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 Price-to-Peter-Lynch-Fair-Value vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, EVN Finance JSC's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where EVN Finance JSC's Price-to-Peter-Lynch-Fair-Value falls into.
EVN Finance JSC's EPS without NRI for the trailing twelve months (TTM) uses the latest annual data, which was ₫1,175.88.
* Note that for companies that do not have enough quarterly data to calculate the 5-Year TTM EBITDA Growth Rate, we use the annual data for the calculation.
* 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.
** Please be aware that the 5-Year TTM Book Value Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data is the latest quarter data. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
What does a Peter Lynch Fair Value of ₫9,536.42 mean?
EVN Finance JSC (STC:EVF) has a Peter Lynch Fair Value of ₫9,536.42 as of Jul. 11, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on EVN Finance JSC and its competitors. This is 822005% above median its historical median of 1.16. Over the past decade, EVN Finance JSC's Peter Lynch Fair Value has ranged from 1.16 to 1.38. According to the industry distribution chart, EVN Finance JSC ranks #22 out of 31 companies in the Diversified Financial Services industry, placing it in the top 71%.
Is EVN Finance JSC's Peter Lynch Fair Value too high?
EVN Finance JSC's current Peter Lynch Fair Value of ₫9,536.42 is 822005% above median its 10-year median of 1.16. Over the past 10 years, this metric has ranged from a low of 1.16 to a high of 1.38. Based on the distribution chart, EVN Finance JSC ranks #22 out of 31 companies in the Diversified Financial Services industry, which is below the industry midpoint. Overall, EVN Finance JSC has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does EVN Finance JSC's Peter Lynch Fair Value compare to VOYA and FRHC?
According to the Diversified Financial Services industry distribution chart, EVN Finance JSC ranks #22 out of 31 companies for Peter Lynch Fair Value. This places EVN Finance JSC in the lower half of its industry. The industry median Peter Lynch Fair Value is 0.85. Historically, EVN Finance JSC's own Peter Lynch Fair Value has ranged from 1.16 to 1.38 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Peter Lynch Fair Value for a Diversified Financial Services company?
The median Peter Lynch Fair Value among Diversified Financial Services companies is 0.85, based on 31 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair Value 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 Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on EVN Finance JSC and its competitors. For the Diversified Financial Services industry, the median Peter Lynch Fair Value is 0.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EVN Finance JSC's current Peter Lynch Fair Value is ₫9,536.42, which is 822005% above median its own 10-year median of 1.16. 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 Modestly Undervalued. The stock's GF Value™ is ₫14,139.16, compared to a current price of ₫12,750.00 — trading 9.8% below its estimated fair value. The current Peter Lynch Fair Value is ₫9,536.42, which is 822005% above median its 10-year median of 1.16. EVN Finance JSC's overall GF Score™ is 67/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For EVN Finance JSC (STC:EVF), the current Peter Lynch Fair Value is ₫9,536.42 as of Jul. 11, 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 ₫12,750.00 is trading 9.8% below its estimated GF Value™ of ₫14,139.16.
GuruFocus considers EVN Finance JSC to be Modestly Undervalued.
Key valuation signals for STC:EVF:
Peter Lynch Fair Value: ₫9,536.42 (822005% above median its 10-year median of 1.16)
GF Value™: ₫14,139.16 vs. price of ₫12,750.00 (9.8% below fair value)
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.
67GF Score
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