STC:CTG's Return-on-Tangible-Equity is ranked better than 92.84% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs STC:CTG: 22.93
Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) 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.
Viet Nam Joint Stock Commercial Bank For Industry And Trade Return-on-Tangible-Equity Related Terms
Viet Nam Joint Stock Commercial Bank For Industry And Trade 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.
Viet Nam Joint Stock Commercial Bank For Industry And Trade Return-on-Tangible-Equity Chart
Viet Nam Joint Stock Commercial Bank For Industry And Trade 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.
Viet Nam Joint Stock Commercial Bank For Industry And Trade 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 19.95% mean?
Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) has a Return-on-Tangible-Equity of 19.95% 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade and its competitors. This is 16% above median its historical median of 17.14. Over the past decade, Viet Nam Joint Stock Commercial Bank For Industry And Trade's Return-on-Tangible-Equity has ranged from 8.76 to 22.93. According to the industry distribution chart, Viet Nam Joint Stock Commercial Bank For Industry And Trade ranks #109 out of 1523 companies in the Banks industry, placing it in the top 7.2%.
Is Viet Nam Joint Stock Commercial Bank For Industry And Trade's Return-on-Tangible-Equity too high?
Viet Nam Joint Stock Commercial Bank For Industry And Trade's current Return-on-Tangible-Equity of 19.95% is 16% above median its 10-year median of 17.14. Over the past 10 years, this metric has ranged from a low of 8.76 to a high of 22.93. The Banks industry median Return-on-Tangible-Equity is 11.20. Viet Nam Joint Stock Commercial Bank For Industry And Trade's value of 19.95% is 78.1% above this industry median. Based on the distribution chart, Viet Nam Joint Stock Commercial Bank For Industry And Trade ranks #109 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Viet Nam Joint Stock Commercial Bank For Industry And Trade has a GF Score™ of 85/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Viet Nam Joint Stock Commercial Bank For Industry And Trade's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Viet Nam Joint Stock Commercial Bank For Industry And Trade ranks #109 out of 1523 companies for Return-on-Tangible-Equity. This places Viet Nam Joint Stock Commercial Bank For Industry And Trade in the top 7% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. Viet Nam Joint Stock Commercial Bank For Industry And Trade's value of 19.95% is 78.1% above this benchmark. Historically, Viet Nam Joint Stock Commercial Bank For Industry And Trade's own Return-on-Tangible-Equity has ranged from 8.76 to 22.93 over the past decade. While the company's 10-year median is 17.14 vs. the industry median of 11.20, Viet Nam Joint Stock Commercial Bank For Industry And Trade 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. Viet Nam Joint Stock Commercial Bank For Industry And Trade's current Return-on-Tangible-Equity of 19.95% is 78.1% 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade 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. Viet Nam Joint Stock Commercial Bank For Industry And Trade's current Return-on-Tangible-Equity is 19.95%, which is 16% above median its own 10-year median of 17.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Viet Nam Joint Stock Commercial Bank For Industry And Trade stock overvalued right now?
Based on GuruFocus' analysis, Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) is currently considered Fairly Valued. The stock's GF Value™ is ₫32,055.58, compared to a current price of ₫34,150.00 — trading 6.5% above its estimated fair value. The current Return-on-Tangible-Equity is 19.95%, which is 16% above median its 10-year median of 17.14 and 78.1% above the Banks industry median of 11.20. Viet Nam Joint Stock Commercial Bank For Industry And Trade's overall GF Score™ is 85/100. 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG), the current Return-on-Tangible-Equity is 19.95% 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) Overvalued in 2026?
Based on GuruFocus' analysis, Viet Nam Joint Stock Commercial Bank For Industry And Trade stock appears to be overvalued.
The current stock price of ₫34,150.00 is trading 6.5% above its estimated GF Value™ of ₫32,055.58.
GuruFocus considers Viet Nam Joint Stock Commercial Bank For Industry And Trade to be Fairly Valued.
Key valuation signals for STC:CTG:
Return-on-Tangible-Equity: 19.95% (16% above median its 10-year median of 17.14)
GF Value™: ₫32,055.58 vs. price of ₫34,150.00 (6.5% above fair value)
Industry Position: 78.1% above the Banks median (#109 of 1523)
No single metric tells the full story. See the STC:CTG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Viet Nam Joint Stock Commercial Bank For Industry And Trade Business Description
Viet Nam Joint Stock Commercial Bank For Industry And Trade is a Vietnam based banking service provider. The company's operating segment include Banking financial services, Non-banking financial services, and Others. It generates maximum revenue from the Banking financial services segment. The company provides banking services including mobilizing and receiving short, medium and long-term deposits from organizations or individuals; making short, medium and long term loans and advances to organizations and individuals; conducting foreign exchange transactions, international trade finance services, discounting of commercial papers, bonds and other valuable papers and other services.
85GF Score
Get the complete analysis for STC:CTG
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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