Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) PS Ratio: 2.10 (As of Jul. 01, 2026) — 11% Above Median


STC:SHB Sai Gon - Hanoi Commercial Joint Stock Bank STC:SHB
68 GF Score
Price ₫13,550.00
GF Value ₫14,325.81
Valuation Fairly Valued
! 1 Warning Sign
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What is Sai Gon - Hanoi Commercial Joint Stock Bank PS Ratio?

Sai Gon - Hanoi Commercial Joint Stock Bank STC:SHB 68 PS Ratio is 2.10 as of Jul. 01, 2026, which is 11% above its 10-year median of 1.90. GuruFocus rates STC:SHB with a GF Score™ of 68/100 and a GF Value™ of ₫14,325.81 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,517 Banks companies, Sai Gon - Hanoi Commercial Joint Stock Bank ranks better than 72.05% 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, Sai Gon - Hanoi Commercial Joint Stock Bank's share price is ₫13550.00. Sai Gon - Hanoi Commercial Joint Stock Bank's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ₫6,456.64. Hence, Sai Gon - Hanoi Commercial Joint Stock Bank's PS Ratio for today is 2.10.

The historical rank and industry rank for Sai Gon - Hanoi Commercial Joint Stock Bank's PS Ratio or its related term are showing as below:

STC:SHB' s PS Ratio Range Over the Past 10 Years
Min: 0.81   Med: 1.9   Max: 3.6
Current: 2.09

During the past 13 years, Sai Gon - Hanoi Commercial Joint Stock Bank's highest PS Ratio was 3.60. The lowest was 0.81. And the median was 1.90.

STC:SHB's PS Ratio is ranked better than
72.05% of 1517 companies
in the Banks industry
Industry Median: 2.97 vs STC:SHB: 2.09

Sai Gon - Hanoi Commercial Joint Stock Bank's Revenue per Sharefor the three months ended in Mar. 2026 was ₫1,600.48. Its Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ₫6,456.64.

Good Sign:

Sai Gon - Hanoi Commercial Joint Stock Bank has shown predictable revenue and earnings growth.

During the past 12 months, the average Revenue per Share Growth Rate of Sai Gon - Hanoi Commercial Joint Stock Bank was 25.60% per year. During the past 3 years, the average Revenue per Share Growth Rate was 9.30% per year. During the past 5 years, the average Revenue per Share Growth Rate was 4.80% per year. During the past 10 years, the average Revenue per Share Growth Rate was 16.70% per year.

During the past 13 years, Sai Gon - Hanoi Commercial Joint Stock Bank's highest 3-Year average Revenue per Share Growth Rate was 32.70% per year. The lowest was -25.90% per year. And the median was 15.40% per year.

Back to Basics: PS Ratio


Sai Gon - Hanoi Commercial Joint Stock Bank  (STC:SHB) 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.

Similar to the PE Ratio or Price-to-Operating-Cash-Flow or Price-to-Free-Cash-Flow , the PS Ratio measures the valuation based on the earning power of the company. This is where it is different from the PB Ratio , which measures the valuation based on the company's balance sheet.


Be Aware

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.


Sai Gon - Hanoi Commercial Joint Stock Bank PS Ratio Related Terms


Sai Gon - Hanoi Commercial Joint Stock Bank PS Ratio Historical Data

* Premium members only.

The historical data trend for Sai Gon - Hanoi Commercial Joint Stock Bank's PS Ratio 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.

Sai Gon - Hanoi Commercial Joint Stock Bank PS Ratio Chart

Sai Gon - Hanoi Commercial Joint Stock Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.03 1.63 2.05 1.61 3.03

Sai Gon - Hanoi Commercial Joint Stock Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.11 1.75 2.37 3.03 2.37

Sai Gon - Hanoi Commercial Joint Stock Bank PS Ratio Competitor Comparison

For the Banks - Regional subindustry, Sai Gon - Hanoi Commercial Joint Stock Bank'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.


Sai Gon - Hanoi Commercial Joint Stock Bank PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Sai Gon - Hanoi Commercial Joint Stock Bank's PS Ratio distribution charts can be found below:

* The bar in red indicates where Sai Gon - Hanoi Commercial Joint Stock Bank's PS Ratio falls into.


STC:SHB
68GF Score
Sai Gon - Hanoi Commercial Joint Stock Bank STC:SHB
PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sai Gon - Hanoi Commercial Joint Stock Bank PS Ratio Calculation

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.

Sai Gon - Hanoi Commercial Joint Stock Bank's PS Ratio for today is calculated as

PS Ratio=Share Price/Revenue per Share (TTM)
=13550.00/6456.642
=2.10

Sai Gon - Hanoi Commercial Joint Stock Bank's Share Price of today is ₫13550.00.
Sai Gon - Hanoi Commercial Joint Stock Bank'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 ₫6,456.64.

* 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:

PS Ratio=Market Cap/Revenue

The Revenue here is for the trailing 12 months.

Frequently Asked Questions Learn more about PS Ratio →
What does a PS Ratio of 2.10 mean?
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) has a PS Ratio of 2.10 as of Jul. 01, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors. This is 11% above median its historical median of 1.90. Over the past decade, Sai Gon - Hanoi Commercial Joint Stock Bank's PS Ratio has ranged from 0.81 to 3.60. According to the industry distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #424 out of 1517 companies in the Banks industry, placing it in the top 27.9%.
Is Sai Gon - Hanoi Commercial Joint Stock Bank's PS Ratio too high?
Sai Gon - Hanoi Commercial Joint Stock Bank's current PS Ratio of 2.10 is 11% above median its 10-year median of 1.90. Over the past 10 years, this metric has ranged from a low of 0.81 to a high of 3.60. The Banks industry median PS Ratio is 2.97. Sai Gon - Hanoi Commercial Joint Stock Bank's value of 2.10 is 29.3% below this industry median. Based on the distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #424 out of 1517 companies in the Banks industry, which is above the industry midpoint. 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 PS Ratio compare to competitors?
According to the Banks industry distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #424 out of 1517 companies for PS Ratio. This puts Sai Gon - Hanoi Commercial Joint Stock Bank in the upper half of its industry. The industry median PS Ratio is 2.97. Sai Gon - Hanoi Commercial Joint Stock Bank's value of 2.10 is 29.3% below this benchmark. Historically, Sai Gon - Hanoi Commercial Joint Stock Bank's own PS Ratio has ranged from 0.81 to 3.60 over the past decade. While the company's 10-year median is 1.90 vs. the industry median of 2.97, Sai Gon - Hanoi Commercial Joint Stock Bank 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 2.97, based on 1,517 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. Sai Gon - Hanoi Commercial Joint Stock Bank's current PS Ratio of 2.10 is 29.3% 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 Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors. For the Banks industry, the median PS Ratio is 2.97 — 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 PS Ratio is 2.10, which is 11% above median its own 10-year median of 1.90. 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 ₫14,325.81, compared to a current price of ₫13,550.00 — trading 5.4% below its estimated fair value. The current PS Ratio is 2.10, which is 11% above median its 10-year median of 1.90 and 29.3% below the Banks industry median of 2.97. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB), the current PS Ratio is 2.10 as of Jul. 01, 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 ₫13,550.00 is trading 5.4% below its estimated GF Value™ of ₫14,325.81. GuruFocus considers Sai Gon - Hanoi Commercial Joint Stock Bank to be Fairly Valued.

Key valuation signals for STC:SHB:

  • PS Ratio: 2.10 (11% above median its 10-year median of 1.90)
  • GF Value™: ₫14,325.81 vs. price of ₫13,550.00 (5.4% below fair value)
  • GF Score™: 68/100 with 1 warning sign
  • Industry Position: 29.3% below the Banks median (#424 of 1517)

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

Address 77 Tran Hung Dao Street, Hoan Kiem District, Cua Nam Ward, Hanoi, VNM
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

Get the complete analysis for STC:SHB

PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫13,550.00
Price
₫14,325.81
GF Value