STC:CTG's ROA % is ranked better than 74.48% of 1532
companies
in the Banks industry
Industry Median: 0.98
vs STC:CTG: 1.41
Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) ROA % Explanation
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.
Viet Nam Joint Stock Commercial Bank For Industry And Trade ROA % Related Terms
Viet Nam Joint Stock Commercial Bank For Industry And Trade ROA % 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 ROA % 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 ROA % 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 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.
Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) has a ROA % of 1.25% 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade and its competitors. This is 25% above median its historical median of 1.00. Over the past decade, Viet Nam Joint Stock Commercial Bank For Industry And Trade's ROA % has ranged from 0.47 to 1.41. According to the industry distribution chart, Viet Nam Joint Stock Commercial Bank For Industry And Trade ranks #391 out of 1532 companies in the Banks industry, placing it in the top 25.5%.
Is Viet Nam Joint Stock Commercial Bank For Industry And Trade's ROA % too high?
Viet Nam Joint Stock Commercial Bank For Industry And Trade's current ROA % of 1.25% is 25% above median its 10-year median of 1.00. Over the past 10 years, this metric has ranged from a low of 0.47 to a high of 1.41. The Banks industry median ROA % is 0.98. Viet Nam Joint Stock Commercial Bank For Industry And Trade's value of 1.25% is 27.6% above this industry median. Based on the distribution chart, Viet Nam Joint Stock Commercial Bank For Industry And Trade ranks #391 out of 1532 companies in the Banks industry, which is above the industry midpoint. Overall, Viet Nam Joint Stock Commercial Bank For Industry And Trade has a GF Score™ of 72/100 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 ROA % compare to competitors?
According to the Banks industry distribution chart, Viet Nam Joint Stock Commercial Bank For Industry And Trade ranks #391 out of 1532 companies for ROA %. This puts Viet Nam Joint Stock Commercial Bank For Industry And Trade in the upper half of its industry. The industry median ROA % is 0.98. Viet Nam Joint Stock Commercial Bank For Industry And Trade's value of 1.25% is 27.6% above this benchmark. Historically, Viet Nam Joint Stock Commercial Bank For Industry And Trade's own ROA % has ranged from 0.47 to 1.41 over the past decade. While the company's 10-year median is 1.00 vs. the industry median of 0.98, 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 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. Viet Nam Joint Stock Commercial Bank For Industry And Trade's current ROA % of 1.25% is 27.6% 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade 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. Viet Nam Joint Stock Commercial Bank For Industry And Trade's current ROA % is 1.25%, which is 25% above median its own 10-year median of 1.00. 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 ₫32,002.62, compared to a current price of ₫33,600.00 — trading 5% above its estimated fair value. The current ROA % is 1.25%, which is 25% above median its 10-year median of 1.00 and 27.6% above the Banks industry median of 0.98. Viet Nam Joint Stock Commercial Bank For Industry And Trade's overall GF Score™ is 72/100. 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG), the current ROA % is 1.25% 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 ₫33,600.00 is trading 5% above its estimated GF Value™ of ₫32,002.62.
GuruFocus considers Viet Nam Joint Stock Commercial Bank For Industry And Trade to be Fairly Valued.
Key valuation signals for STC:CTG:
ROA %: 1.25% (25% above median its 10-year median of 1.00)
GF Value™: ₫32,002.62 vs. price of ₫33,600.00 (5% above fair value)
Industry Position: 27.6% above the Banks median (#391 of 1532)
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.
72GF Score
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