STC:BID's Return-on-Tangible-Equity is ranked better than 88.31% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs STC:BID: 19.41
Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) Return-on-Tangible-Equity Explanation
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.
Joint Stock Commercial Bank for Investment and Development of Vietnam Return-on-Tangible-Equity Related Terms
Joint Stock Commercial Bank for Investment and Development of Vietnam Return-on-Tangible-Equity 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 Investment and Development of Vietnam Return-on-Tangible-Equity Chart
Joint Stock Commercial Bank for Investment and Development 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 Investment and Development of Vietnam Return-on-Tangible-Equity 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-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 15.92% mean?
Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) has a Return-on-Tangible-Equity of 15.92% 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 Joint Stock Commercial Bank for Investment and Development of Vietnam and its competitors. This is near median its historical median of 16.73. Over the past decade, Joint Stock Commercial Bank for Investment and Development of Vietnam's Return-on-Tangible-Equity has ranged from 9.83 to 20.83. According to the industry distribution chart, Joint Stock Commercial Bank for Investment and Development of Vietnam ranks #178 out of 1523 companies in the Banks industry, placing it in the top 11.7%.
Is Joint Stock Commercial Bank for Investment and Development of Vietnam's Return-on-Tangible-Equity too high?
Joint Stock Commercial Bank for Investment and Development of Vietnam's current Return-on-Tangible-Equity of 15.92% is near median its 10-year median of 16.73. Over the past 10 years, this metric has ranged from a low of 9.83 to a high of 20.83. The Banks industry median Return-on-Tangible-Equity is 11.20. Joint Stock Commercial Bank for Investment and Development of Vietnam's value of 15.92% is 42.1% above this industry median. Based on the distribution chart, Joint Stock Commercial Bank for Investment and Development of Vietnam ranks #178 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Joint Stock Commercial Bank for Investment and Development of Vietnam has a GF Score™ of 85/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Joint Stock Commercial Bank for Investment and Development of Vietnam's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Joint Stock Commercial Bank for Investment and Development of Vietnam ranks #178 out of 1523 companies for Return-on-Tangible-Equity. This places Joint Stock Commercial Bank for Investment and Development of Vietnam in the top 12% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. Joint Stock Commercial Bank for Investment and Development of Vietnam's value of 15.92% is 42.1% above this benchmark. Historically, Joint Stock Commercial Bank for Investment and Development of Vietnam's own Return-on-Tangible-Equity has ranged from 9.83 to 20.83 over the past decade. While the company's 10-year median is 16.73 vs. the industry median of 11.20, Joint Stock Commercial Bank for Investment and Development 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 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. Joint Stock Commercial Bank for Investment and Development of Vietnam's current Return-on-Tangible-Equity of 15.92% is 42.1% 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-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 Joint Stock Commercial Bank for Investment and Development of Vietnam 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. Joint Stock Commercial Bank for Investment and Development of Vietnam's current Return-on-Tangible-Equity is 15.92%, which is near median its own 10-year median of 16.73. 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 Investment and Development of Vietnam stock overvalued right now?
Based on GuruFocus' analysis, Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫47,449.53, compared to a current price of ₫42,250.00 — trading 11% below its estimated fair value. The current Return-on-Tangible-Equity is 15.92%, which is near median its 10-year median of 16.73 and 42.1% above the Banks industry median of 11.20. Joint Stock Commercial Bank for Investment and Development of Vietnam's overall GF Score™ is 85/100 with 2 warning signs 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 Joint Stock Commercial Bank for Investment and Development of Vietnam (STC:BID), the current Return-on-Tangible-Equity is 15.92% 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 Investment and Development of Vietnam (STC:BID) Overvalued in 2026?
Based on GuruFocus' analysis, Joint Stock Commercial Bank for Investment and Development of Vietnam stock appears to be undervalued.
The current stock price of ₫42,250.00 is trading 11% below its estimated GF Value™ of ₫47,449.53.
GuruFocus considers Joint Stock Commercial Bank for Investment and Development of Vietnam to be Modestly Undervalued.
Key valuation signals for STC:BID:
Return-on-Tangible-Equity: 15.92% (near median its 10-year median of 16.73)
GF Value™: ₫47,449.53 vs. price of ₫42,250.00 (11% below fair value)
Industry Position: 42.1% above the Banks median (#178 of 1523)
No single metric tells the full story. See the STC:BID stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Joint Stock Commercial Bank for Investment and Development of Vietnam Business Description
Joint Stock Commercial Bank for Investment and Development of Vietnam is one of the leading commercial banks based in Vietnam. It is a leading provider of products and modern banking services and utilities such as loans, deposits, savings and current account. Its secondary offerings include insurance products of all types such as life and non-life insurance. Its add on services include a variety of brokerage services, investment advice and contribution to established enterprises to invest various projects. The bank's distribution network spans predominantly across Vietnam and a few countries abroad such as Laos, Cambodia, Myanmar, Russia and Czech Republic.
85GF Score
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Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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