STC:SHB's Return-on-Tangible-Asset is ranked better than 74.8% of 1532
companies
in the Banks industry
Industry Median: 0.99
vs STC:SHB: 1.43
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) 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.
Sai Gon - Hanoi Commercial Joint Stock Bank Return-on-Tangible-Asset Related Terms
Sai Gon - Hanoi Commercial Joint Stock Bank Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Chart
Sai Gon - Hanoi Commercial Joint Stock Bank Annual Data
Sai Gon - Hanoi Commercial Joint Stock Bank Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Sai Gon - Hanoi Commercial Joint Stock Bank'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.
Sai Gon - Hanoi Commercial Joint Stock Bank Return-on-Tangible-Asset 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.
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 1.64% mean?
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) has a Return-on-Tangible-Asset of 1.64% 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 Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors. This is 80% above median its historical median of 0.91. Over the past decade, Sai Gon - Hanoi Commercial Joint Stock Bank's Return-on-Tangible-Asset has ranged from 0.42 to 1.49. According to the industry distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #386 out of 1532 companies in the Banks industry, placing it in the top 25.2%.
Is Sai Gon - Hanoi Commercial Joint Stock Bank's Return-on-Tangible-Asset too high?
Sai Gon - Hanoi Commercial Joint Stock Bank's current Return-on-Tangible-Asset of 1.64% is 80% above median its 10-year median of 0.91. Over the past 10 years, this metric has ranged from a low of 0.42 to a high of 1.49. The Banks industry median Return-on-Tangible-Asset is 0.99. Sai Gon - Hanoi Commercial Joint Stock Bank's value of 1.64% is 65.7% above this industry median. Based on the distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #386 out of 1532 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 Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Sai Gon - Hanoi Commercial Joint Stock Bank ranks #386 out of 1532 companies for Return-on-Tangible-Asset. This puts Sai Gon - Hanoi Commercial Joint Stock Bank in the upper half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Sai Gon - Hanoi Commercial Joint Stock Bank's value of 1.64% is 65.7% above this benchmark. Historically, Sai Gon - Hanoi Commercial Joint Stock Bank's own Return-on-Tangible-Asset has ranged from 0.42 to 1.49 over the past decade. While the company's 10-year median is 0.91 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,532 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. Sai Gon - Hanoi Commercial Joint Stock Bank's current Return-on-Tangible-Asset of 1.64% is 65.7% 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 Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — 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 Return-on-Tangible-Asset is 1.64%, which is 80% above median its own 10-year median of 0.91. 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 ₫14,364.62, compared to a current price of ₫13,150.00 — trading 8.5% below its estimated fair value. The current Return-on-Tangible-Asset is 1.64%, which is 80% above median its 10-year median of 0.91 and 65.7% above the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB), the current Return-on-Tangible-Asset is 1.64% 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 ₫13,150.00 is trading 8.5% below its estimated GF Value™ of ₫14,364.62.
GuruFocus considers Sai Gon - Hanoi Commercial Joint Stock Bank to be Fairly Valued.
Key valuation signals for STC:SHB:
Return-on-Tangible-Asset: 1.64% (80% above median its 10-year median of 0.91)
GF Value™: ₫14,364.62 vs. price of ₫13,150.00 (8.5% below fair value)
Industry Position: 65.7% above the Banks median (#386 of 1532)
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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Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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