STC:HDB's Return-on-Tangible-Equity is ranked better than 94.48% of 1523
companies
in the Banks industry
Industry Median: 11.19
vs STC:HDB: 25.18
Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) 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.
Ho Chi Minh City Development Joint Stock Commercial Bank Return-on-Tangible-Equity Related Terms
Ho Chi Minh City Development Joint Stock Commercial Bank 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.
Ho Chi Minh City Development Joint Stock Commercial Bank Return-on-Tangible-Equity Chart
Ho Chi Minh City Development Joint Stock Commercial Bank 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.
Ho Chi Minh City Development Joint Stock Commercial Bank 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 24.74% mean?
Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) has a Return-on-Tangible-Equity of 24.74% 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 Ho Chi Minh City Development Joint Stock Commercial Bank and its competitors. This is near median its historical median of 23.91. Over the past decade, Ho Chi Minh City Development Joint Stock Commercial Bank's Return-on-Tangible-Equity has ranged from 19.52 to 26.22. According to the industry distribution chart, Ho Chi Minh City Development Joint Stock Commercial Bank ranks #84 out of 1523 companies in the Banks industry, placing it in the top 5.5%.
Is Ho Chi Minh City Development Joint Stock Commercial Bank's Return-on-Tangible-Equity too high?
Ho Chi Minh City Development Joint Stock Commercial Bank's current Return-on-Tangible-Equity of 24.74% is near median its 10-year median of 23.91. Over the past 10 years, this metric has ranged from a low of 19.52 to a high of 26.22. The Banks industry median Return-on-Tangible-Equity is 11.19. Ho Chi Minh City Development Joint Stock Commercial Bank's value of 24.74% is 121.1% above this industry median. Based on the distribution chart, Ho Chi Minh City Development Joint Stock Commercial Bank ranks #84 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Ho Chi Minh City Development Joint Stock Commercial Bank has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ho Chi Minh City Development Joint Stock Commercial Bank's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Ho Chi Minh City Development Joint Stock Commercial Bank ranks #84 out of 1523 companies for Return-on-Tangible-Equity. This places Ho Chi Minh City Development Joint Stock Commercial Bank in the top 6% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.19. Ho Chi Minh City Development Joint Stock Commercial Bank's value of 24.74% is 121.1% above this benchmark. Historically, Ho Chi Minh City Development Joint Stock Commercial Bank's own Return-on-Tangible-Equity has ranged from 19.52 to 26.22 over the past decade. While the company's 10-year median is 23.91 vs. the industry median of 11.19, Ho Chi Minh City Development Joint Stock Commercial Bank 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 11.19, 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. Ho Chi Minh City Development Joint Stock Commercial Bank's current Return-on-Tangible-Equity of 24.74% is 121.1% 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 Ho Chi Minh City Development Joint Stock Commercial Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ho Chi Minh City Development Joint Stock Commercial Bank's current Return-on-Tangible-Equity is 24.74%, which is near median its own 10-year median of 23.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ho Chi Minh City Development Joint Stock Commercial Bank stock overvalued right now?
Based on GuruFocus' analysis, Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) is currently considered Modestly Overvalued. The stock's GF Value™ is ₫23,752.54, compared to a current price of ₫26,950.00 — trading 13.5% above its estimated fair value. The current Return-on-Tangible-Equity is 24.74%, which is near median its 10-year median of 23.91 and 121.1% above the Banks industry median of 11.19. Ho Chi Minh City Development Joint Stock Commercial Bank's overall GF Score™ is 73/100 with 3 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 Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB), the current Return-on-Tangible-Equity is 24.74% 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 Ho Chi Minh City Development Joint Stock Commercial Bank (STC:HDB) Overvalued in 2026?
Based on GuruFocus' analysis, Ho Chi Minh City Development Joint Stock Commercial Bank stock appears to be overvalued.
The current stock price of ₫26,950.00 is trading 13.5% above its estimated GF Value™ of ₫23,752.54.
GuruFocus considers Ho Chi Minh City Development Joint Stock Commercial Bank to be Modestly Overvalued.
Key valuation signals for STC:HDB:
Return-on-Tangible-Equity: 24.74% (near median its 10-year median of 23.91)
GF Value™: ₫23,752.54 vs. price of ₫26,950.00 (13.5% above fair value)
Industry Position: 121.1% above the Banks median (#84 of 1523)
No single metric tells the full story. See the STC:HDB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ho Chi Minh City Development Joint Stock Commercial Bank Business Description
Ho Chi Minh City Development Joint Stock Commercial Bank is a Vietnamese commercial bank providing personal and commercial banking services to retail customers, corporations, and investors.
73GF Score
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