STC:VCB's ROE % is ranked better than 85.27% of 1527
companies
in the Banks industry
Industry Median: 10.23
vs STC:VCB: 16.34
Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) 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.
Joint Stock Commercial Bank for Foreign Trade of Vietnam ROE % Related Terms
Joint Stock Commercial Bank for Foreign Trade of Vietnam 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.
Joint Stock Commercial Bank for Foreign Trade of Vietnam ROE % 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 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.
Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) has a ROE % of 16.50% 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 Joint Stock Commercial Bank for Foreign Trade of Vietnam and its competitors. This is 23% below median its historical median of 21.38. Over the past decade, Joint Stock Commercial Bank for Foreign Trade of Vietnam's ROE % has ranged from 14.79 to 25.99. According to the industry distribution chart, Joint Stock Commercial Bank for Foreign Trade of Vietnam ranks #225 out of 1527 companies in the Banks industry, placing it in the top 14.7%.
Is Joint Stock Commercial Bank for Foreign Trade of Vietnam's ROE % too high?
Joint Stock Commercial Bank for Foreign Trade of Vietnam's current ROE % of 16.50% is 23% below median its 10-year median of 21.38. Over the past 10 years, this metric has ranged from a low of 14.79 to a high of 25.99. The Banks industry median ROE % is 10.23. Joint Stock Commercial Bank for Foreign Trade of Vietnam's value of 16.50% is 61.3% above this industry median. Based on the distribution chart, Joint Stock Commercial Bank for Foreign Trade of Vietnam ranks #225 out of 1527 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 ROE % compare to competitors?
According to the Banks industry distribution chart, Joint Stock Commercial Bank for Foreign Trade of Vietnam ranks #225 out of 1527 companies for ROE %. This places Joint Stock Commercial Bank for Foreign Trade of Vietnam in the top 15% of its industry — outperforming the majority of peers. The industry median ROE % is 10.23. Joint Stock Commercial Bank for Foreign Trade of Vietnam's value of 16.50% is 61.3% above this benchmark. Historically, Joint Stock Commercial Bank for Foreign Trade of Vietnam's own ROE % has ranged from 14.79 to 25.99 over the past decade. While the company's 10-year median is 21.38 vs. the industry median of 10.23, 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 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. Joint Stock Commercial Bank for Foreign Trade of Vietnam's current ROE % of 16.50% is 61.3% 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 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 Joint Stock Commercial Bank for Foreign Trade of Vietnam 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. Joint Stock Commercial Bank for Foreign Trade of Vietnam's current ROE % is 16.50%, which is 23% below median its own 10-year median of 21.38. 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 ROE % is 16.50%, which is 23% below median its 10-year median of 21.38 and 61.3% above the Banks industry median of 10.23. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB), the current ROE % is 16.50% 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 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:
ROE %: 16.50% (23% below median its 10-year median of 21.38)
GF Value™: ₫69,831.85 vs. price of ₫61,400.00 (12.1% below fair value)
Industry Position: 61.3% above the Banks median (#225 of 1527)
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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