EVN Finance JSCSTC:EVF +0.38%70 Return-on-Tangible-Equity is 10.67% as of Mar. 2026, which is 43% above its 10-year median of 7.47. GuruFocus rates STC:EVF with a GF Score™ of 70/100 and a GF Value™ of ₫14,153.05 (Fairly Valued). The stock has 1 warning sign investors should review. Among 488 Diversified Financial Services companies, EVN Finance JSC ranks better than 87.91% 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. EVN Finance JSC's annualized net income for the quarter that ended in Mar. 2026 was ₫1,045,192 Mil. EVN Finance JSC's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₫9,799,575 Mil. Therefore, EVN Finance JSC's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 10.67%.
The historical rank and industry rank for EVN Finance JSC's Return-on-Tangible-Equity or its related term are showing as below:
STC:EVF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 5.02 Med: 7.47 Max: 9.59
Current: 9.59
During the past 6 years, EVN Finance JSC's highest Return-on-Tangible-Equity was 9.59%. The lowest was 5.02%. And the median was 7.47%.
STC:EVF's Return-on-Tangible-Equity is ranked better than 87.91% of 488
companies
in the Diversified Financial Services industry
Industry Median: 1.65
vs STC:EVF: 9.59
EVN Finance JSC (STC:EVF) 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.
EVN Finance JSC Return-on-Tangible-Equity Related Terms
EVN Finance JSC Return-on-Tangible-Equity Historical Data
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The historical data trend for EVN 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.
STC:EVF vs VOYA, FRHC: Return-on-Tangible-Equity Comparison
For the Financial Conglomerates subindustry, EVN 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.
EVN Finance JSC Return-on-Tangible-Equity vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, EVN Finance JSC's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where EVN 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 10.67% mean?
EVN Finance JSC (STC:EVF) has a Return-on-Tangible-Equity of 10.67% 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 EVN Finance JSC and its competitors. This is 43% above median its historical median of 7.47. Over the past decade, EVN Finance JSC's Return-on-Tangible-Equity has ranged from 5.02 to 9.59. According to the industry distribution chart, EVN Finance JSC ranks #59 out of 488 companies in the Diversified Financial Services industry, placing it in the top 12.1%.
Is EVN Finance JSC's Return-on-Tangible-Equity too high?
EVN Finance JSC's current Return-on-Tangible-Equity of 10.67% is 43% above median its 10-year median of 7.47. Over the past 10 years, this metric has ranged from a low of 5.02 to a high of 9.59. The Diversified Financial Services industry median Return-on-Tangible-Equity is 1.65. EVN Finance JSC's value of 10.67% is 546.7% above this industry median. Based on the distribution chart, EVN Finance JSC ranks #59 out of 488 companies in the Diversified Financial Services industry, which is in the top quartile — a strong position relative to peers. Overall, EVN Finance JSC has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does EVN Finance JSC's Return-on-Tangible-Equity compare to VOYA and FRHC?
According to the Diversified Financial Services industry distribution chart, EVN Finance JSC ranks #59 out of 488 companies for Return-on-Tangible-Equity. This places EVN Finance JSC in the top 12% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 1.65. EVN Finance JSC's value of 10.67% is 546.7% above this benchmark. Historically, EVN Finance JSC's own Return-on-Tangible-Equity has ranged from 5.02 to 9.59 over the past decade. While the company's 10-year median is 7.47 vs. the industry median of 1.65, EVN 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 Diversified Financial Services company?
The median Return-on-Tangible-Equity among Diversified Financial Services companies is 1.65, based on 488 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. EVN Finance JSC's current Return-on-Tangible-Equity of 10.67% is 546.7% 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 EVN Finance JSC and its competitors. For the Diversified Financial Services industry, the median Return-on-Tangible-Equity is 1.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EVN Finance JSC's current Return-on-Tangible-Equity is 10.67%, which is 43% above median its own 10-year median of 7.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is EVN Finance JSC stock overvalued right now?
Based on GuruFocus' analysis, EVN Finance JSC (STC:EVF) is currently considered Fairly Valued. The stock's GF Value™ is ₫14,153.05, compared to a current price of ₫13,150.00 — trading 7.1% below its estimated fair value. The current Return-on-Tangible-Equity is 10.67%, which is 43% above median its 10-year median of 7.47 and 546.7% above the Diversified Financial Services industry median of 1.65. EVN Finance JSC's overall GF Score™ is 70/100 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 EVN Finance JSC (STC:EVF), the current Return-on-Tangible-Equity is 10.67% 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 EVN Finance JSC (STC:EVF) Overvalued in 2026?
Based on GuruFocus' analysis, EVN Finance JSC stock appears to be undervalued.
The current stock price of ₫13,150.00 is trading 7.1% below its estimated GF Value™ of ₫14,153.05.
GuruFocus considers EVN Finance JSC to be Fairly Valued.
Key valuation signals for STC:EVF:
Return-on-Tangible-Equity: 10.67% (43% above median its 10-year median of 7.47)
GF Value™: ₫14,153.05 vs. price of ₫13,150.00 (7.1% below fair value)
Industry Position: 546.7% above the Diversified Financial Services median (#59 of 488)
No single metric tells the full story. See the STC:EVF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
EVN Finance JSC operates in the field of finance and currency business in Vietnam. The primary activities of the company include: i) Capital mobilization includes receiving deposits, issuing certificates of deposits, bills, and bonds; borrowing from domestic and foreign financial organizations and credit institutions, ii) Credit activities include providing loans and consumer credit; discounting, re-discounting commercial papers and other valuable papers, iii) Other finance and banking activities include opening and managing deposit accounts and credit accounts for customers; contributing capital and purchasing shares; providing insurance agency services; providing consultancy services; providing asset management services; trading treasury bonds; trading foreign currencies; trading debts.
70GF Score
Get the complete analysis for STC:EVF
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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