VietCredit Finance JSCHSTC:TIN -6.17%29 PS Ratio is 2.72 as of Jul. 12, 2026, which is 8% below its 10-year median of 2.95. GuruFocus rates HSTC:TIN with a GF Score™ of 29/100. The stock has 1 warning sign investors should review. Among 1,520 Banks companies, VietCredit Finance JSC ranks better than 57.24% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, VietCredit Finance JSC's share price is ₫108000.00.
VietCredit Finance JSC's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ₫39,645.24. Hence, VietCredit Finance JSC's PS Ratio for today is 2.72.
The historical rank and industry rank for VietCredit Finance JSC's PS Ratio or its related term are showing as below:
HSTC:TIN'
s PS Ratio Range Over the Past 10 Years
Min: 0.92 Med: 2.95 Max: 4.58
Current: 2.72
During the past 2 years, VietCredit Finance JSC's highest PS Ratio was 4.58. The lowest was 0.92. And the median was 2.95.
HSTC:TIN's PS Ratio is ranked better than 57.24% of 1520
companies
in the Banks industry
Industry Median: 3.025
vs HSTC:TIN: 2.72
VietCredit Finance JSC (HSTC:TIN) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
* 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.
VietCredit Finance JSC PS Ratio Competitor Comparison
For the Banks - Regional subindustry, VietCredit Finance JSC's PS Ratio, along with its competitors' market caps and PS 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.
VietCredit Finance JSC PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, VietCredit Finance JSC's PS Ratio distribution charts can be found below:
* The bar in red indicates where VietCredit Finance JSC's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
VietCredit Finance JSC's Share Price of today is ₫108000.00. VietCredit Finance JSC's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₫39,645.24.
* 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:
VietCredit Finance JSC (HSTC:TIN) has a PS Ratio of 2.72 as of Jul. 12, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on VietCredit Finance JSC and its competitors. This is near median its historical median of 2.95. Over the past decade, VietCredit Finance JSC's PS Ratio has ranged from 0.92 to 4.58. According to the industry distribution chart, VietCredit Finance JSC ranks #650 out of 1520 companies in the Banks industry, placing it in the top 42.8%.
Is VietCredit Finance JSC's PS Ratio too high?
VietCredit Finance JSC's current PS Ratio of 2.72 is near median its 10-year median of 2.95. Over the past 10 years, this metric has ranged from a low of 0.92 to a high of 4.58. The Banks industry median PS Ratio is 3.03. VietCredit Finance JSC's value of 2.72 is 10.1% below this industry median. Based on the distribution chart, VietCredit Finance JSC ranks #650 out of 1520 companies in the Banks industry, which is above the industry midpoint. Overall, VietCredit Finance JSC has a GF Score™ of 29/100, reflecting its overall financial health beyond just this single metric.
How does VietCredit Finance JSC's PS Ratio compare to competitors?
According to the Banks industry distribution chart, VietCredit Finance JSC ranks #650 out of 1520 companies for PS Ratio. This puts VietCredit Finance JSC in the upper half of its industry. The industry median PS Ratio is 3.03. VietCredit Finance JSC's value of 2.72 is 10.1% below this benchmark. Historically, VietCredit Finance JSC's own PS Ratio has ranged from 0.92 to 4.58 over the past decade. While the company's 10-year median is 2.95 vs. the industry median of 3.03, VietCredit 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.03, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. VietCredit Finance JSC's current PS Ratio of 2.72 is 10.1% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on VietCredit Finance JSC and its competitors. For the Banks industry, the median PS Ratio is 3.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. VietCredit Finance JSC's current PS Ratio is 2.72, which is near median its own 10-year median of 2.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VietCredit Finance JSC stock overvalued right now?
VietCredit Finance JSC (HSTC:TIN) has a current PS Ratio of 2.72. The current PS Ratio is 2.72, which is near median its 10-year median of 2.95 and 10.1% below the Banks industry median of 3.03. VietCredit Finance JSC's overall GF Score™ is 29/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For VietCredit Finance JSC (HSTC:TIN), the current PS Ratio is 2.72 as of Jul. 12, 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.
VietCredit Finance JSC is engaged in providing financial services under its Establishment and Operation License, including mobilising and receiving term deposits from organisations, granting short, medium, and long-term loans and consumption loans to organisations and individuals based on its capital sources, and conducting foreign currency trading, treasury services, and other cash services as approved by the SBV. Its products include credit cards, certificates of deposit, and small business loans.
29GF Score
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