VietCredit Finance JSCHSTC:TIN -6.17%29 Return-on-Tangible-Equity is 83.03% as of Mar. 2026, which is 192% above its 10-year median of 28.40. GuruFocus rates HSTC:TIN with a GF Score™ of 29/100. The stock has 1 warning sign investors should review. Among 1,526 Banks companies, VietCredit Finance JSC ranks better than 98.95% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. VietCredit Finance JSC's annualized net income for the quarter that ended in Mar. 2026 was ₫1,846,188 Mil. VietCredit Finance JSC's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₫2,223,441 Mil. Therefore, VietCredit Finance JSC's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 83.03%.
The historical rank and industry rank for VietCredit Finance JSC's Return-on-Tangible-Equity or its related term are showing as below:
HSTC:TIN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -17.06 Med: 28.4 Max: 88.74
Current: 88.74
During the past 2 years, VietCredit Finance JSC's highest Return-on-Tangible-Equity was 88.74%. The lowest was -17.06%. And the median was 28.40%.
HSTC:TIN's Return-on-Tangible-Equity is ranked better than 98.95% of 1526
companies
in the Banks industry
Industry Median: 11.195
vs HSTC:TIN: 88.74
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
VietCredit Finance JSC Return-on-Tangible-Equity Related Terms
VietCredit Finance JSC Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for VietCredit Finance JSC's Return-on-Tangible-Equity 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.
For the Banks - Regional subindustry, VietCredit Finance JSC's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, VietCredit Finance JSC's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where VietCredit Finance JSC's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 83.03% mean?
VietCredit Finance JSC (HSTC:TIN) has a Return-on-Tangible-Equity of 83.03% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on VietCredit Finance JSC and its competitors. This is 192% above median its historical median of 28.40. According to the industry distribution chart, VietCredit Finance JSC ranks #16 out of 1526 companies in the Banks industry, placing it in the top 1%.
Is VietCredit Finance JSC's Return-on-Tangible-Equity too high?
VietCredit Finance JSC's current Return-on-Tangible-Equity of 83.03% is 192% above median its 10-year median of 28.40. The Banks industry median Return-on-Tangible-Equity is 11.20. VietCredit Finance JSC's value of 83.03% is 641.7% above this industry median. Based on the distribution chart, VietCredit Finance JSC ranks #16 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, VietCredit Finance JSC ranks #16 out of 1526 companies for Return-on-Tangible-Equity. This places VietCredit Finance JSC in the top 1% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. VietCredit Finance JSC's value of 83.03% is 641.7% above this benchmark. While the company's 10-year median is 28.40 vs. the industry median of 11.20, VietCredit 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. VietCredit Finance JSC's current Return-on-Tangible-Equity of 83.03% is 641.7% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on VietCredit Finance JSC and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. VietCredit Finance JSC's current Return-on-Tangible-Equity is 83.03%, which is 192% above median its own 10-year median of 28.40. 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 Return-on-Tangible-Equity of 83.03%. The current Return-on-Tangible-Equity is 83.03%, which is 192% above median its 10-year median of 28.40 and 641.7% above the Banks industry median of 11.20. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For VietCredit Finance JSC (HSTC:TIN), the current Return-on-Tangible-Equity is 83.03% 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.
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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