VietCredit Finance JSCHSTC:TIN -0.72%29 ROA % is 9.94% as of Mar. 2026, which is 211% above its 10-year median of 3.20. GuruFocus rates HSTC:TIN with a GF Score™ of 29/100. The stock has 1 warning sign investors should review. Among 1,532 Banks companies, VietCredit Finance JSC ranks better than 99.61% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. VietCredit Finance JSC's annualizedNet Income for the quarter that ended in Mar. 2026 was ₫1,846,188 Mil.
VietCredit Finance JSC's average Total Assets over the quarter that ended in Mar. 2026 was ₫18,569,052 Mil. Therefore, VietCredit Finance JSC's annualized ROA % for the quarter that ended in Mar. 2026 was 9.94%.
The historical rank and industry rank for VietCredit Finance JSC's ROA % or its related term are showing as below:
HSTC:TIN'
s ROA % Range Over the Past 10 Years
Min: -1.91 Med: 3.2 Max: 11.16
Current: 11.16
During the past 2 years, VietCredit Finance JSC's highest ROA % was 11.16%. The lowest was -1.91%. And the median was 3.20%.
HSTC:TIN's ROA % is ranked better than 99.61% of 1532
companies
in the Banks industry
Industry Median: 0.98
vs HSTC:TIN: 11.16
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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.
For the Banks - Regional subindustry, VietCredit Finance JSC's ROA %, along with its competitors' market caps and ROA % 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.
VietCredit Finance JSC ROA % vs Banks Industry
For the Banks industry and Financial Services sector, VietCredit Finance JSC's ROA % distribution charts can be found below:
* The bar in red indicates where VietCredit Finance JSC's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
VietCredit Finance JSC (HSTC:TIN) has a ROA % of 9.94% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on VietCredit Finance JSC and its competitors. This is 211% above median its historical median of 3.20. According to the industry distribution chart, VietCredit Finance JSC ranks #6 out of 1532 companies in the Banks industry, placing it in the top 0.40000000000001%.
Is VietCredit Finance JSC's ROA % too high?
VietCredit Finance JSC's current ROA % of 9.94% is 211% above median its 10-year median of 3.20. The Banks industry median ROA % is 0.98. VietCredit Finance JSC's value of 9.94% is 914.3% above this industry median. Based on the distribution chart, VietCredit Finance JSC ranks #6 out of 1532 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, VietCredit Finance JSC has a GF Score™ of 29/100, reflecting its overall financial health beyond just this single metric.
How does VietCredit Finance JSC's ROA % compare to competitors?
According to the Banks industry distribution chart, VietCredit Finance JSC ranks #6 out of 1532 companies for ROA %. This places VietCredit Finance JSC in the top 0% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. VietCredit Finance JSC's value of 9.94% is 914.3% above this benchmark. While the company's 10-year median is 3.20 vs. the industry median of 0.98, VietCredit 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,532 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. VietCredit Finance JSC's current ROA % of 9.94% is 914.3% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on VietCredit Finance JSC and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. VietCredit Finance JSC's current ROA % is 9.94%, which is 211% above median its own 10-year median of 3.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VietCredit Finance JSC stock overvalued right now?
VietCredit Finance JSC (HSTC:TIN) has a current ROA % of 9.94%. The current ROA % is 9.94%, which is 211% above median its 10-year median of 3.20 and 914.3% above the Banks industry median of 0.98. VietCredit Finance JSC's overall GF Score™ is 29/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For VietCredit Finance JSC (HSTC:TIN), the current ROA % is 9.94% 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.
VietCredit Finance JSC is engaged in providing financial services under its Establishment and Operation License, including mobilising and receiving term deposits from organisations, granting short, medium, and long-term loans and consumption loans to organisations and individuals based on its capital sources, and conducting foreign currency trading, treasury services, and other cash services as approved by the SBV. Its products include credit cards, certificates of deposit, and small business loans.
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