STC:CTG's ROE % is ranked better than 94.37% of 1527
companies
in the Banks industry
Industry Median: 10.23
vs STC:CTG: 22.40
Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Viet Nam Joint Stock Commercial Bank For Industry And Trade ROE % Related Terms
Viet Nam Joint Stock Commercial Bank For Industry And Trade ROE % 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 ROE % 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 ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) has a ROE % of 19.50% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Viet Nam Joint Stock Commercial Bank For Industry And Trade and its competitors. This is 19% above median its historical median of 16.37. Over the past decade, Viet Nam Joint Stock Commercial Bank For Industry And Trade's ROE % has ranged from 8.08 to 22.40. According to the industry distribution chart, Viet Nam Joint Stock Commercial Bank For Industry And Trade ranks #86 out of 1527 companies in the Banks industry, placing it in the top 5.6%.
Is Viet Nam Joint Stock Commercial Bank For Industry And Trade's ROE % too high?
Viet Nam Joint Stock Commercial Bank For Industry And Trade's current ROE % of 19.50% is 19% above median its 10-year median of 16.37. Over the past 10 years, this metric has ranged from a low of 8.08 to a high of 22.40. The Banks industry median ROE % is 10.23. Viet Nam Joint Stock Commercial Bank For Industry And Trade's value of 19.50% is 90.6% above this industry median. Based on the distribution chart, Viet Nam Joint Stock Commercial Bank For Industry And Trade ranks #86 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 ROE % compare to competitors?
According to the Banks industry distribution chart, Viet Nam Joint Stock Commercial Bank For Industry And Trade ranks #86 out of 1527 companies for ROE %. This places Viet Nam Joint Stock Commercial Bank For Industry And Trade in the top 6% of its industry — outperforming the majority of peers. The industry median ROE % is 10.23. Viet Nam Joint Stock Commercial Bank For Industry And Trade's value of 19.50% is 90.6% above this benchmark. Historically, Viet Nam Joint Stock Commercial Bank For Industry And Trade's own ROE % has ranged from 8.08 to 22.40 over the past decade. While the company's 10-year median is 16.37 vs. the industry median of 10.23, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.23, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % 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 ROE % of 19.50% is 90.6% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Viet Nam Joint Stock Commercial Bank For Industry And Trade and its competitors. For the Banks industry, the median ROE % is 10.23 — 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 ROE % is 19.50%, which is 19% above median its own 10-year median of 16.37. 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 ROE % is 19.50%, which is 19% above median its 10-year median of 16.37 and 90.6% above the Banks industry median of 10.23. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG), the current ROE % is 19.50% 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:
ROE %: 19.50% (19% above median its 10-year median of 16.37)
GF Value™: ₫32,002.62 vs. price of ₫33,600.00 (5% above fair value)
Industry Position: 90.6% above the Banks median (#86 of 1527)
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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