STC:VCB's Return-on-Tangible-Equity is ranked better than 80.66% of 1525
companies
in the Banks industry
Industry Median: 11.21
vs STC:VCB: 16.53
Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) 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 Foreign Trade of Vietnam Return-on-Tangible-Equity Related Terms
Joint Stock Commercial Bank for Foreign Trade 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 Foreign Trade of Vietnam Return-on-Tangible-Equity Chart
Joint Stock Commercial Bank for Foreign Trade 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 Foreign Trade 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 16.69% mean?
Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) has a Return-on-Tangible-Equity of 16.69% 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 Foreign Trade of Vietnam and its competitors. This is 24% below median its historical median of 22.06. Over the past decade, Joint Stock Commercial Bank for Foreign Trade of Vietnam's Return-on-Tangible-Equity has ranged from 15.39 to 26.80. According to the industry distribution chart, Joint Stock Commercial Bank for Foreign Trade of Vietnam ranks #295 out of 1525 companies in the Banks industry, placing it in the top 19.3%.
Is Joint Stock Commercial Bank for Foreign Trade of Vietnam's Return-on-Tangible-Equity too high?
Joint Stock Commercial Bank for Foreign Trade of Vietnam's current Return-on-Tangible-Equity of 16.69% is 24% below median its 10-year median of 22.06. Over the past 10 years, this metric has ranged from a low of 15.39 to a high of 26.80. The Banks industry median Return-on-Tangible-Equity is 11.21. Joint Stock Commercial Bank for Foreign Trade of Vietnam's value of 16.69% is 48.9% above this industry median. Based on the distribution chart, Joint Stock Commercial Bank for Foreign Trade of Vietnam ranks #295 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Joint Stock Commercial Bank for Foreign Trade of Vietnam has a GF Score™ of 84/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Joint Stock Commercial Bank for Foreign Trade of Vietnam's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Joint Stock Commercial Bank for Foreign Trade of Vietnam ranks #295 out of 1525 companies for Return-on-Tangible-Equity. This places Joint Stock Commercial Bank for Foreign Trade of Vietnam in the top 19% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.21. Joint Stock Commercial Bank for Foreign Trade of Vietnam's value of 16.69% is 48.9% above this benchmark. Historically, Joint Stock Commercial Bank for Foreign Trade of Vietnam's own Return-on-Tangible-Equity has ranged from 15.39 to 26.80 over the past decade. While the company's 10-year median is 22.06 vs. the industry median of 11.21, Joint Stock Commercial Bank for Foreign Trade 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 11.21, based on 1,525 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 Foreign Trade of Vietnam's current Return-on-Tangible-Equity of 16.69% is 48.9% 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 Foreign Trade of Vietnam and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Joint Stock Commercial Bank for Foreign Trade of Vietnam's current Return-on-Tangible-Equity is 16.69%, which is 24% below median its own 10-year median of 22.06. 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 Foreign Trade of Vietnam stock overvalued right now?
Based on GuruFocus' analysis, Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫69,831.85, compared to a current price of ₫61,400.00 — trading 12.1% below its estimated fair value. The current Return-on-Tangible-Equity is 16.69%, which is 24% below median its 10-year median of 22.06 and 48.9% above the Banks industry median of 11.21. Joint Stock Commercial Bank for Foreign Trade of Vietnam's overall GF Score™ is 84/100 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 Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB), the current Return-on-Tangible-Equity is 16.69% 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 Foreign Trade of Vietnam (STC:VCB) Overvalued in 2026?
Based on GuruFocus' analysis, Joint Stock Commercial Bank for Foreign Trade of Vietnam stock appears to be undervalued.
The current stock price of ₫61,400.00 is trading 12.1% below its estimated GF Value™ of ₫69,831.85.
GuruFocus considers Joint Stock Commercial Bank for Foreign Trade of Vietnam to be Modestly Undervalued.
Key valuation signals for STC:VCB:
Return-on-Tangible-Equity: 16.69% (24% below median its 10-year median of 22.06)
GF Value™: ₫69,831.85 vs. price of ₫61,400.00 (12.1% below fair value)
Industry Position: 48.9% above the Banks median (#295 of 1525)
No single metric tells the full story. See the STC:VCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Joint Stock Commercial Bank for Foreign Trade of Vietnam Business Description
Joint Stock Commercial Bank for Foreign Trade of Vietnam is a a state-owned commercial bank. Its activities include selling gold bars; mobilizing and receiving short, medium and long-term deposits from organizations and individuals; lending to organizations and individuals up to the nature and capability of the bank's capital resources; conducting settlement and cash services; providing other banking services. Its personal banking services include Account Services, Digital Banking Services, Cards, Loans, Savings, Insurance, Investments, and Money Transfer Services. Institutional banking provides SME banking, and corporate banking.
84GF 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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