STC:SHB'
s Pretax Margin % Range Over the Past 10 Years
Min: 24.29 Med: 33.97 Max: 60.67
Current: 50.69
STC:SHB's Pretax Margin % is ranked better than 83.33% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs STC:SHB: 50.69
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) 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.
Sai Gon - Hanoi Commercial Joint Stock Bank Pretax Margin % Related Terms
Sai Gon - Hanoi Commercial Joint Stock Bank 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.
Sai Gon - Hanoi Commercial Joint Stock Bank Pretax Margin % Chart
Sai Gon - Hanoi Commercial Joint Stock Bank Annual Data
Sai Gon - Hanoi Commercial Joint Stock Bank Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, Sai Gon - Hanoi Commercial Joint Stock Bank's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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.
Sai Gon - Hanoi Commercial Joint Stock Bank 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.
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) has a Pretax Margin % of 62.30% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors. This is 83% above median its historical median of 33.97. Over the past decade, Sai Gon - Hanoi Commercial Joint Stock Bank's Pretax Margin % has ranged from 24.29 to 60.67. According to the industry distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #255 out of 1530 companies in the Banks industry, placing it in the top 16.7%.
Is Sai Gon - Hanoi Commercial Joint Stock Bank's Pretax Margin % too high?
Sai Gon - Hanoi Commercial Joint Stock Bank's current Pretax Margin % of 62.30% is 83% above median its 10-year median of 33.97. Over the past 10 years, this metric has ranged from a low of 24.29 to a high of 60.67. The Banks industry median Pretax Margin % is 34.72. Sai Gon - Hanoi Commercial Joint Stock Bank's value of 62.30% is 79.5% above this industry median. Based on the distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #255 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Sai Gon - Hanoi Commercial Joint Stock Bank has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sai Gon - Hanoi Commercial Joint Stock Bank's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #255 out of 1530 companies for Pretax Margin %. This places Sai Gon - Hanoi Commercial Joint Stock Bank in the top 17% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.72. Sai Gon - Hanoi Commercial Joint Stock Bank's value of 62.30% is 79.5% above this benchmark. Historically, Sai Gon - Hanoi Commercial Joint Stock Bank's own Pretax Margin % has ranged from 24.29 to 60.67 over the past decade. While the company's 10-year median is 33.97 vs. the industry median of 34.72, Sai Gon - Hanoi Commercial Joint Stock Bank 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. Sai Gon - Hanoi Commercial Joint Stock Bank's current Pretax Margin % of 62.30% is 79.5% 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 Sai Gon - Hanoi Commercial Joint Stock Bank 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. Sai Gon - Hanoi Commercial Joint Stock Bank's current Pretax Margin % is 62.30%, which is 83% above median its own 10-year median of 33.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sai Gon - Hanoi Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) is currently considered Fairly Valued. The stock's GF Value™ is ₫14,308.17, compared to a current price of ₫13,650.00 — trading 4.6% below its estimated fair value. The current Pretax Margin % is 62.30%, which is 83% above median its 10-year median of 33.97 and 79.5% above the Banks industry median of 34.72. Sai Gon - Hanoi Commercial Joint Stock Bank's overall GF Score™ is 68/100 with 1 warning sign 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 Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB), the current Pretax Margin % is 62.30% 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 Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) Overvalued in 2026?
Based on GuruFocus' analysis, Sai Gon - Hanoi Commercial Joint Stock Bank stock appears to be undervalued.
The current stock price of ₫13,650.00 is trading 4.6% below its estimated GF Value™ of ₫14,308.17.
GuruFocus considers Sai Gon - Hanoi Commercial Joint Stock Bank to be Fairly Valued.
Key valuation signals for STC:SHB:
Pretax Margin %: 62.30% (83% above median its 10-year median of 33.97)
GF Value™: ₫14,308.17 vs. price of ₫13,650.00 (4.6% below fair value)
Industry Position: 79.5% above the Banks median (#255 of 1530)
No single metric tells the full story. See the STC:SHB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sai Gon - Hanoi Commercial Joint Stock Bank Business Description
Sai Gon - Hanoi Commercial Joint Stock Bank is a Vietnam-based banking corporation. It offers various banking services to its customers, including retail banking, corporate banking, and other banking-related services. Its products and services include savings, current accounts, money transfer services, E-banking, guarantee service, and forex trading and treasury services. It also provides credit in the form of car loans, rubber loans, agricultural product loans, business overdrafts, and medium and long-term loans and credit facilities. The company operates in four reportable segments: credit, investment, services, and treasury. The primary source of its revenue is interest income, commission, and fees received by providing advisory and financial services to the customer.
68GF Score
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