EVN Finance JSCSTC:EVF +0.39%67 Return-on-Tangible-Asset is 1.27% as of Mar. 2026, which is 31% above its 10-year median of 0.97. GuruFocus rates STC:EVF with a GF Score™ of 67/100 and a GF Value™ of ₫14,139.16 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 561 Diversified Financial Services companies, EVN Finance JSC ranks better than 56.33% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. EVN Finance JSC's annualizedNet Income for the quarter that ended in Mar. 2026 was ₫1,045,192 Mil. EVN Finance JSC's average total tangible assets for the quarter that ended in Mar. 2026 was ₫82,201,830 Mil. Therefore, EVN Finance JSC's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.27%.
The historical rank and industry rank for EVN Finance JSC's Return-on-Tangible-Asset or its related term are showing as below:
STC:EVF'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.7 Med: 0.97 Max: 1.25
Current: 1.25
During the past 6 years, EVN Finance JSC's highest Return-on-Tangible-Asset was 1.25%. The lowest was 0.70%. And the median was 0.97%.
STC:EVF's Return-on-Tangible-Asset is ranked better than 56.33% of 561
companies
in the Diversified Financial Services industry
Industry Median: 0.9
vs STC:EVF: 1.25
EVN Finance JSC (STC:EVF) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
EVN Finance JSC Return-on-Tangible-Asset Related Terms
EVN Finance JSC Return-on-Tangible-Asset Historical Data
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The historical data trend for EVN Finance JSC's Return-on-Tangible-Asset 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.
STC:EVF vs VOYA, FRHC: Return-on-Tangible-Asset Comparison
For the Financial Conglomerates subindustry, EVN Finance JSC's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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.
EVN Finance JSC Return-on-Tangible-Asset vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, EVN Finance JSC's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where EVN Finance JSC's Return-on-Tangible-Asset falls into.
* 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.27% mean?
EVN Finance JSC (STC:EVF) has a Return-on-Tangible-Asset of 1.27% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on EVN Finance JSC and its competitors. This is 31% above median its historical median of 0.97. Over the past decade, EVN Finance JSC's Return-on-Tangible-Asset has ranged from 0.70 to 1.25. According to the industry distribution chart, EVN Finance JSC ranks #245 out of 561 companies in the Diversified Financial Services industry, placing it in the top 43.7%.
Is EVN Finance JSC's Return-on-Tangible-Asset too high?
EVN Finance JSC's current Return-on-Tangible-Asset of 1.27% is 31% above median its 10-year median of 0.97. Over the past 10 years, this metric has ranged from a low of 0.70 to a high of 1.25. The Diversified Financial Services industry median Return-on-Tangible-Asset is 0.90. EVN Finance JSC's value of 1.27% is 41.1% above this industry median. Based on the distribution chart, EVN Finance JSC ranks #245 out of 561 companies in the Diversified Financial Services industry, which is above the industry midpoint. Overall, EVN Finance JSC has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does EVN Finance JSC's Return-on-Tangible-Asset compare to VOYA and FRHC?
According to the Diversified Financial Services industry distribution chart, EVN Finance JSC ranks #245 out of 561 companies for Return-on-Tangible-Asset. This puts EVN Finance JSC in the upper half of its industry. The industry median Return-on-Tangible-Asset is 0.90. EVN Finance JSC's value of 1.27% is 41.1% above this benchmark. Historically, EVN Finance JSC's own Return-on-Tangible-Asset has ranged from 0.70 to 1.25 over the past decade. While the company's 10-year median is 0.97 vs. the industry median of 0.90, EVN Finance JSC 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 Return-on-Tangible-Asset for a Diversified Financial Services company?
The median Return-on-Tangible-Asset among Diversified Financial Services companies is 0.90, based on 561 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EVN Finance JSC's current Return-on-Tangible-Asset of 1.27% is 41.1% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on EVN Finance JSC and its competitors. For the Diversified Financial Services industry, the median Return-on-Tangible-Asset is 0.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EVN Finance JSC's current Return-on-Tangible-Asset is 1.27%, which is 31% above median its own 10-year median of 0.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is EVN Finance JSC stock overvalued right now?
Based on GuruFocus' analysis, EVN Finance JSC (STC:EVF) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫14,139.16, compared to a current price of ₫12,750.00 — trading 9.8% below its estimated fair value. The current Return-on-Tangible-Asset is 1.27%, which is 31% above median its 10-year median of 0.97 and 41.1% above the Diversified Financial Services industry median of 0.90. EVN Finance JSC's overall GF Score™ is 67/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For EVN Finance JSC (STC:EVF), the current Return-on-Tangible-Asset is 1.27% 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 EVN Finance JSC (STC:EVF) Overvalued in 2026?
Based on GuruFocus' analysis, EVN Finance JSC stock appears to be undervalued.
The current stock price of ₫12,750.00 is trading 9.8% below its estimated GF Value™ of ₫14,139.16.
GuruFocus considers EVN Finance JSC to be Modestly Undervalued.
Key valuation signals for STC:EVF:
Return-on-Tangible-Asset: 1.27% (31% above median its 10-year median of 0.97)
GF Value™: ₫14,139.16 vs. price of ₫12,750.00 (9.8% below fair value)
Industry Position: 41.1% above the Diversified Financial Services median (#245 of 561)
No single metric tells the full story. See the STC:EVF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
EVN Finance JSC operates in the field of finance and currency business in Vietnam. The primary activities of the company include: i) Capital mobilization includes receiving deposits, issuing certificates of deposits, bills, and bonds; borrowing from domestic and foreign financial organizations and credit institutions, ii) Credit activities include providing loans and consumer credit; discounting, re-discounting commercial papers and other valuable papers, iii) Other finance and banking activities include opening and managing deposit accounts and credit accounts for customers; contributing capital and purchasing shares; providing insurance agency services; providing consultancy services; providing asset management services; trading treasury bonds; trading foreign currencies; trading debts.
67GF Score
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Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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