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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.
STC:HDB's Price-to-Peter-Lynch-Fair-Value is ranked better than 90.85% of 874
companies
in the Banks industry
Industry Median: 1.12
vs STC:HDB: 0.40
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) 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 25 instead of 15 in this case.
Ho Chi Minh City Development Joint Stock Commercial Bank'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
=
26800.00
/
82,430.38
=
0.33
* 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.
Ho Chi Minh City Development Joint Stock Commercial Bank Peter Lynch Fair Value Related Terms
Ho Chi Minh City Development Joint Stock Commercial Bank Peter Lynch Fair Value 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.
Ho Chi Minh City Development Joint Stock Commercial Bank Peter Lynch Fair Value Chart
Ho Chi Minh City Development Joint Stock Commercial Bank Annual Data
Ho Chi Minh City Development Joint Stock Commercial Bank Peter Lynch Fair Value Competitor Comparison
For the Banks - Regional subindustry, Ho Chi Minh City Development Joint Stock Commercial Bank'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.
Ho Chi Minh City Development Joint Stock Commercial Bank Price-to-Peter-Lynch-Fair-Value vs Banks Industry
Ho Chi Minh City Development Joint Stock Commercial Bank's EPS without NRI for the trailing twelve months (TTM) uses the latest annual data, which was ₫3,297.22.
* 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 ₫82,430.38 mean?
Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) has a Peter Lynch Fair Value of ₫82,430.38 as of Jul. 14, 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 Ho Chi Minh City Development Joint Stock Commercial Bank and its competitors. This is 21692105% above median its historical median of 0.38. Over the past decade, Ho Chi Minh City Development Joint Stock Commercial Bank's Peter Lynch Fair Value has ranged from 0.27 to 0.50. According to the industry distribution chart, Ho Chi Minh City Development Joint Stock Commercial Bank ranks #80 out of 874 companies in the Banks industry, placing it in the top 9.2%.
Is Ho Chi Minh City Development Joint Stock Commercial Bank's Peter Lynch Fair Value too high?
Ho Chi Minh City Development Joint Stock Commercial Bank's current Peter Lynch Fair Value of ₫82,430.38 is 21692105% above median its 10-year median of 0.38. Over the past 10 years, this metric has ranged from a low of 0.27 to a high of 0.50. Based on the distribution chart, Ho Chi Minh City Development Joint Stock Commercial Bank ranks #80 out of 874 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Ho Chi Minh City Development Joint Stock Commercial Bank has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ho Chi Minh City Development Joint Stock Commercial Bank's Peter Lynch Fair Value compare to competitors?
According to the Banks industry distribution chart, Ho Chi Minh City Development Joint Stock Commercial Bank ranks #80 out of 874 companies for Peter Lynch Fair Value. This places Ho Chi Minh City Development Joint Stock Commercial Bank in the top 9% of its industry — outperforming the majority of peers. The industry median Peter Lynch Fair Value is 1.12. Historically, Ho Chi Minh City Development Joint Stock Commercial Bank's own Peter Lynch Fair Value has ranged from 0.27 to 0.50 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 Banks company?
The median Peter Lynch Fair Value among Banks companies is 1.12, based on 874 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 Ho Chi Minh City Development Joint Stock Commercial Bank and its competitors. For the Banks industry, the median Peter Lynch Fair Value is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ho Chi Minh City Development Joint Stock Commercial Bank's current Peter Lynch Fair Value is ₫82,430.38, which is 21692105% above median its own 10-year median of 0.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ho Chi Minh City Development Joint Stock Commercial Bank stock overvalued right now?
Based on GuruFocus' analysis, Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) is currently considered Modestly Overvalued. The stock's GF Value™ is ₫23,823.66, compared to a current price of ₫26,800.00 — trading 12.5% above its estimated fair value. The current Peter Lynch Fair Value is ₫82,430.38, which is 21692105% above median its 10-year median of 0.38. Ho Chi Minh City Development Joint Stock Commercial Bank's overall GF Score™ is 74/100 with 3 warning signs 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 Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB), the current Peter Lynch Fair Value is ₫82,430.38 as of Jul. 14, 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 Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) Overvalued in 2026?
Based on GuruFocus' analysis, Ho Chi Minh City Development Joint Stock Commercial Bank stock appears to be overvalued.
The current stock price of ₫26,800.00 is trading 12.5% above its estimated GF Value™ of ₫23,823.66.
GuruFocus considers Ho Chi Minh City Development Joint Stock Commercial Bank to be Modestly Overvalued.
Key valuation signals for STC:HDB:
Peter Lynch Fair Value: ₫82,430.38 (21692105% above median its 10-year median of 0.38)
GF Value™: ₫23,823.66 vs. price of ₫26,800.00 (12.5% above fair value)
No single metric tells the full story. See the STC:HDB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ho Chi Minh City Development Joint Stock Commercial Bank Business Description
Ho Chi Minh City Development Joint Stock Commercial Bank is a Vietnamese commercial bank providing personal and commercial banking services to retail customers, corporations, and investors.
74GF Score
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