EVN Finance JSCSTC:EVF 70 ROE % is 10.44% as of Mar. 2026, which is 41% above its 10-year median of 7.38. GuruFocus rates STC:EVF with a GF Score™ of 70/100 and a GF Value™ of ₫14,165.19 (Fairly Valued). The stock has 1 warning sign investors should review. Among 492 Diversified Financial Services companies, EVN Finance JSC ranks better than 88.41% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. EVN Finance JSC's annualized net income for the quarter that ended in Mar. 2026 was ₫1,045,192 Mil. EVN Finance JSC's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was ₫10,009,605 Mil. Therefore, EVN Finance JSC's annualized ROE % for the quarter that ended in Mar. 2026 was 10.44%.
The historical rank and industry rank for EVN Finance JSC's ROE % or its related term are showing as below:
STC:EVF'
s ROE % Range Over the Past 10 Years
Min: 4.98 Med: 7.38 Max: 9.45
Current: 9.45
During the past 6 years, EVN Finance JSC's highest ROE % was 9.45%. The lowest was 4.98%. And the median was 7.38%.
STC:EVF's ROE % is ranked better than 88.41% of 492
companies
in the Diversified Financial Services industry
Industry Median: 1.65
vs STC:EVF: 9.45
EVN Finance JSC (STC:EVF) 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.
EVN Finance JSC ROE % Related Terms
EVN Finance JSC ROE % Historical Data
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The historical data trend for EVN Finance JSC's ROE % can be seen below:
* 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 Financial Conglomerates subindustry, EVN Finance JSC's ROE %, along with its competitors' market caps and ROE % 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.
EVN Finance JSC ROE % vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, EVN Finance JSC's ROE % distribution charts can be found below:
* The bar in red indicates where EVN Finance JSC's ROE % 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 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.
EVN Finance JSC (STC:EVF) has a ROE % of 10.44% 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 EVN Finance JSC and its competitors. This is 41% above median its historical median of 7.38. Over the past decade, EVN Finance JSC's ROE % has ranged from 4.98 to 9.45. According to the industry distribution chart, EVN Finance JSC ranks #57 out of 492 companies in the Diversified Financial Services industry, placing it in the top 11.6%.
Is EVN Finance JSC's ROE % too high?
EVN Finance JSC's current ROE % of 10.44% is 41% above median its 10-year median of 7.38. Over the past 10 years, this metric has ranged from a low of 4.98 to a high of 9.45. The Diversified Financial Services industry median ROE % is 1.65. EVN Finance JSC's value of 10.44% is 532.7% above this industry median. Based on the distribution chart, EVN Finance JSC ranks #57 out of 492 companies in the Diversified Financial Services industry, which is in the top quartile — a strong position relative to peers. Overall, EVN Finance JSC has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does EVN Finance JSC's ROE % compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, EVN Finance JSC ranks #57 out of 492 companies for ROE %. This places EVN Finance JSC in the top 12% of its industry — outperforming the majority of peers. The industry median ROE % is 1.65. EVN Finance JSC's value of 10.44% is 532.7% above this benchmark. Historically, EVN Finance JSC's own ROE % has ranged from 4.98 to 9.45 over the past decade. While the company's 10-year median is 7.38 vs. the industry median of 1.65, EVN 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 ROE % for a Diversified Financial Services company?
The median ROE % among Diversified Financial Services companies is 1.65, based on 492 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. EVN Finance JSC's current ROE % of 10.44% is 532.7% 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 EVN Finance JSC and its competitors. For the Diversified Financial Services industry, the median ROE % is 1.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EVN Finance JSC's current ROE % is 10.44%, which is 41% above median its own 10-year median of 7.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is EVN Finance JSC stock overvalued right now?
Based on GuruFocus' analysis, EVN Finance JSC (STC:EVF) is currently considered Fairly Valued. The stock's GF Value™ is ₫14,165.19, compared to a current price of ₫13,200.00 — trading 6.8% below its estimated fair value. The current ROE % is 10.44%, which is 41% above median its 10-year median of 7.38 and 532.7% above the Diversified Financial Services industry median of 1.65. EVN Finance JSC's overall GF Score™ is 70/100 with 1 warning sign to review. 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 EVN Finance JSC (STC:EVF), the current ROE % is 10.44% 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 EVN Finance JSC (STC:EVF) Overvalued in 2026?
Based on GuruFocus' analysis, EVN Finance JSC stock appears to be undervalued.
The current stock price of ₫13,200.00 is trading 6.8% below its estimated GF Value™ of ₫14,165.19.
GuruFocus considers EVN Finance JSC to be Fairly Valued.
Key valuation signals for STC:EVF:
ROE %: 10.44% (41% above median its 10-year median of 7.38)
GF Value™: ₫14,165.19 vs. price of ₫13,200.00 (6.8% below fair value)
Industry Position: 532.7% above the Diversified Financial Services median (#57 of 492)
No single metric tells the full story. See the STC:EVF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
EVN Finance JSC operates in the field of finance and currency business in Vietnam. The primary activities of the company include: i) Capital mobilization includes receiving deposits, issuing certificates of deposits, bills, and bonds; borrowing from domestic and foreign financial organizations and credit institutions, ii) Credit activities include providing loans and consumer credit; discounting, re-discounting commercial papers and other valuable papers, iii) Other finance and banking activities include opening and managing deposit accounts and credit accounts for customers; contributing capital and purchasing shares; providing insurance agency services; providing consultancy services; providing asset management services; trading treasury bonds; trading foreign currencies; trading debts.
70GF Score
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