STC:VCB's Return-on-Tangible-Asset is ranked better than 78.1% of 1530
companies
in the Banks industry
Industry Median: 0.99
vs STC:VCB: 1.54
Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) 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.
Joint Stock Commercial Bank for Foreign Trade of Vietnam Return-on-Tangible-Asset Related Terms
Joint Stock Commercial Bank for Foreign Trade of Vietnam 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.
Joint Stock Commercial Bank for Foreign Trade of Vietnam Return-on-Tangible-Asset Chart
Joint Stock Commercial Bank for Foreign Trade of Vietnam Annual Data
* 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.
Joint Stock Commercial Bank for Foreign Trade of Vietnam 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 1.52% mean?
Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) has a Return-on-Tangible-Asset of 1.52% 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 Joint Stock Commercial Bank for Foreign Trade of Vietnam and its competitors. This is near median its historical median of 1.59. Over the past decade, Joint Stock Commercial Bank for Foreign Trade of Vietnam's Return-on-Tangible-Asset has ranged from 0.94 to 1.86. According to the industry distribution chart, Joint Stock Commercial Bank for Foreign Trade of Vietnam ranks #335 out of 1530 companies in the Banks industry, placing it in the top 21.9%.
Is Joint Stock Commercial Bank for Foreign Trade of Vietnam's Return-on-Tangible-Asset too high?
Joint Stock Commercial Bank for Foreign Trade of Vietnam's current Return-on-Tangible-Asset of 1.52% is near median its 10-year median of 1.59. Over the past 10 years, this metric has ranged from a low of 0.94 to a high of 1.86. The Banks industry median Return-on-Tangible-Asset is 0.99. Joint Stock Commercial Bank for Foreign Trade of Vietnam's value of 1.52% is 53.5% above this industry median. Based on the distribution chart, Joint Stock Commercial Bank for Foreign Trade of Vietnam ranks #335 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Joint Stock Commercial Bank for Foreign Trade of Vietnam has a GF Score™ of 84/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Joint Stock Commercial Bank for Foreign Trade of Vietnam's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Joint Stock Commercial Bank for Foreign Trade of Vietnam ranks #335 out of 1530 companies for Return-on-Tangible-Asset. This places Joint Stock Commercial Bank for Foreign Trade of Vietnam in the top 22% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. Joint Stock Commercial Bank for Foreign Trade of Vietnam's value of 1.52% is 53.5% above this benchmark. Historically, Joint Stock Commercial Bank for Foreign Trade of Vietnam's own Return-on-Tangible-Asset has ranged from 0.94 to 1.86 over the past decade. While the company's 10-year median is 1.59 vs. the industry median of 0.99, Joint Stock Commercial Bank for Foreign Trade of Vietnam 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 1,530 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. Joint Stock Commercial Bank for Foreign Trade of Vietnam's current Return-on-Tangible-Asset of 1.52% is 53.5% 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 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 Joint Stock Commercial Bank for Foreign Trade of Vietnam 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. Joint Stock Commercial Bank for Foreign Trade of Vietnam's current Return-on-Tangible-Asset is 1.52%, which is near median its own 10-year median of 1.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Joint Stock Commercial Bank for Foreign Trade of Vietnam stock overvalued right now?
Based on GuruFocus' analysis, Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫70,082.64, compared to a current price of ₫62,100.00 — trading 11.4% below its estimated fair value. The current Return-on-Tangible-Asset is 1.52%, which is near median its 10-year median of 1.59 and 53.5% above the Banks industry median of 0.99. Joint Stock Commercial Bank for Foreign Trade of Vietnam's overall GF Score™ is 84/100 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 Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB), the current Return-on-Tangible-Asset is 1.52% 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 Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) Overvalued in 2026?
Based on GuruFocus' analysis, Joint Stock Commercial Bank for Foreign Trade of Vietnam stock appears to be undervalued.
The current stock price of ₫62,100.00 is trading 11.4% below its estimated GF Value™ of ₫70,082.64.
GuruFocus considers Joint Stock Commercial Bank for Foreign Trade of Vietnam to be Modestly Undervalued.
Key valuation signals for STC:VCB:
Return-on-Tangible-Asset: 1.52% (near median its 10-year median of 1.59)
GF Value™: ₫70,082.64 vs. price of ₫62,100.00 (11.4% below fair value)
Industry Position: 53.5% above the Banks median (#335 of 1530)
No single metric tells the full story. See the STC:VCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Joint Stock Commercial Bank for Foreign Trade of Vietnam Business Description
Joint Stock Commercial Bank for Foreign Trade of Vietnam is a a state-owned commercial bank. Its activities include selling gold bars; mobilizing and receiving short, medium and long-term deposits from organizations and individuals; lending to organizations and individuals up to the nature and capability of the bank's capital resources; conducting settlement and cash services; providing other banking services. Its personal banking services include Account Services, Digital Banking Services, Cards, Loans, Savings, Insurance, Investments, and Money Transfer Services. Institutional banking provides SME banking, and corporate banking.
84GF 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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