STC:BID'
s Pretax Margin % Range Over the Past 10 Years
Min: 20.04 Med: 25.99 Max: 48.84
Current: 40.21
STC:BID's Pretax Margin % is ranked better than 63.79% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs STC:BID: 40.21
Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Joint Stock Commercial Bank for Investment and Development of Vietnam Pretax Margin % Related Terms
Joint Stock Commercial Bank for Investment and Development of Vietnam Pretax Margin % 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.
Joint Stock Commercial Bank for Investment and Development of Vietnam Pretax Margin % Chart
Joint Stock Commercial Bank for Investment and Development of Vietnam Annual Data
* 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.
Joint Stock Commercial Bank for Investment and Development of Vietnam Pretax Margin % vs Banks Industry
* 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.
Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) has a Pretax Margin % of 40.70% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Joint Stock Commercial Bank for Investment and Development of Vietnam and its competitors. This is 57% above median its historical median of 25.99. Over the past decade, Joint Stock Commercial Bank for Investment and Development of Vietnam's Pretax Margin % has ranged from 20.04 to 48.84. According to the industry distribution chart, Joint Stock Commercial Bank for Investment and Development of Vietnam ranks #554 out of 1530 companies in the Banks industry, placing it in the top 36.2%.
Is Joint Stock Commercial Bank for Investment and Development of Vietnam's Pretax Margin % too high?
Joint Stock Commercial Bank for Investment and Development of Vietnam's current Pretax Margin % of 40.70% is 57% above median its 10-year median of 25.99. Over the past 10 years, this metric has ranged from a low of 20.04 to a high of 48.84. The Banks industry median Pretax Margin % is 34.72. Joint Stock Commercial Bank for Investment and Development of Vietnam's value of 40.70% is 17.2% above this industry median. Based on the distribution chart, Joint Stock Commercial Bank for Investment and Development of Vietnam ranks #554 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, Joint Stock Commercial Bank for Investment and Development of Vietnam has a GF Score™ of 85/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Joint Stock Commercial Bank for Investment and Development of Vietnam's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Joint Stock Commercial Bank for Investment and Development of Vietnam ranks #554 out of 1530 companies for Pretax Margin %. This puts Joint Stock Commercial Bank for Investment and Development of Vietnam in the upper half of its industry. The industry median Pretax Margin % is 34.72. Joint Stock Commercial Bank for Investment and Development of Vietnam's value of 40.70% is 17.2% above this benchmark. Historically, Joint Stock Commercial Bank for Investment and Development of Vietnam's own Pretax Margin % has ranged from 20.04 to 48.84 over the past decade. While the company's 10-year median is 25.99 vs. the industry median of 34.72, Joint Stock Commercial Bank for Investment and Development of Vietnam 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Joint Stock Commercial Bank for Investment and Development of Vietnam's current Pretax Margin % of 40.70% is 17.2% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Joint Stock Commercial Bank for Investment and Development of Vietnam and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Joint Stock Commercial Bank for Investment and Development of Vietnam's current Pretax Margin % is 40.70%, which is 57% above median its own 10-year median of 25.99. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Joint Stock Commercial Bank for Investment and Development of Vietnam stock overvalued right now?
Based on GuruFocus' analysis, Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫47,178.25, compared to a current price of ₫41,700.00 — trading 11.6% below its estimated fair value. The current Pretax Margin % is 40.70%, which is 57% above median its 10-year median of 25.99 and 17.2% above the Banks industry median of 34.72. Joint Stock Commercial Bank for Investment and Development of Vietnam's overall GF Score™ is 85/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID), the current Pretax Margin % is 40.70% as of Mar. 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 Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) Overvalued in 2026?
Based on GuruFocus' analysis, Joint Stock Commercial Bank for Investment and Development of Vietnam stock appears to be undervalued.
The current stock price of ₫41,700.00 is trading 11.6% below its estimated GF Value™ of ₫47,178.25.
GuruFocus considers Joint Stock Commercial Bank for Investment and Development of Vietnam to be Modestly Undervalued.
Key valuation signals for STC:BID:
Pretax Margin %: 40.70% (57% above median its 10-year median of 25.99)
GF Value™: ₫47,178.25 vs. price of ₫41,700.00 (11.6% below fair value)
Industry Position: 17.2% above the Banks median (#554 of 1530)
No single metric tells the full story. See the STC:BID stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Joint Stock Commercial Bank for Investment and Development of Vietnam Business Description
Joint Stock Commercial Bank for Investment and Development of Vietnam is one of the leading commercial banks based in Vietnam. It is a leading provider of products and modern banking services and utilities such as loans, deposits, savings and current account. Its secondary offerings include insurance products of all types such as life and non-life insurance. Its add on services include a variety of brokerage services, investment advice and contribution to established enterprises to invest various projects. The bank's distribution network spans predominantly across Vietnam and a few countries abroad such as Laos, Cambodia, Myanmar, Russia and Czech Republic.
85GF Score
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