Vietnam Prosperity JSC Bank (STC:VPB) 3-Year RORE % : 41.32% (As of Mar. 2026)


STC:VPB Vietnam Prosperity JSC Bank STC:VPB
75 GF Score
Price ₫27,450.00
GF Value ₫27,543.50
Valuation Fairly Valued
! 2 Warning Signs
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What is Vietnam Prosperity JSC Bank 3-Year RORE %?

Vietnam Prosperity JSC Bank STC:VPB 75 3-Year RORE % is 41.32 as of Mar. 2026. GuruFocus rates STC:VPB with a GF Score™ of 75/100 and a GF Value™ of ₫27,543.50 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,473 Banks companies, Vietnam Prosperity JSC Bank ranks better than 88.66% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. Vietnam Prosperity JSC Bank's 3-Year RORE % for the quarter that ended in Mar. 2026 was 41.32%.

The industry rank for Vietnam Prosperity JSC Bank's 3-Year RORE % or its related term are showing as below:

STC:VPB's 3-Year RORE % is ranked better than
88.66% of 1473 companies
in the Banks industry
Industry Median: 9.87 vs STC:VPB: 41.32

Vietnam Prosperity JSC Bank  (STC:VPB) 3-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


Vietnam Prosperity JSC Bank 3-Year RORE % Related Terms


Vietnam Prosperity JSC Bank 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for Vietnam Prosperity JSC Bank's 3-Year RORE % 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.

Vietnam Prosperity JSC Bank 3-Year RORE % Chart

Vietnam Prosperity JSC Bank Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only 12.26 20.86 -5.56 -17.67 40.02

Vietnam Prosperity JSC Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
3-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6.86 15.78 32.54 40.02 41.32

Vietnam Prosperity JSC Bank 3-Year RORE % Competitor Comparison

For the Banks - Regional subindustry, Vietnam Prosperity JSC Bank's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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.


Vietnam Prosperity JSC Bank 3-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, Vietnam Prosperity JSC Bank's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where Vietnam Prosperity JSC Bank's 3-Year RORE % falls into.


STC:VPB
75GF Score
Vietnam Prosperity JSC Bank STC:VPB
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Vietnam Prosperity JSC Bank 3-Year RORE % Calculation

Vietnam Prosperity JSC Bank's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 3313.797-1513.238 )/( 6857.26-2500 )
=1800.559/4357.26
=41.32 %

* 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of 41.32 mean?
Vietnam Prosperity JSC Bank (STC:VPB) has a 3-Year RORE % of 41.32 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Vietnam Prosperity JSC Bank and its competitors. According to the industry distribution chart, Vietnam Prosperity JSC Bank ranks #167 out of 1473 companies in the Banks industry, placing it in the top 11.3%.
Is Vietnam Prosperity JSC Bank's 3-Year RORE % too high?
Vietnam Prosperity JSC Bank's current 3-Year RORE % is 41.32. The Banks industry median 3-Year RORE % is 9.87. Vietnam Prosperity JSC Bank's value of 41.32 is 318.6% above this industry median. Based on the distribution chart, Vietnam Prosperity JSC Bank ranks #167 out of 1473 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Vietnam Prosperity JSC Bank has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Vietnam Prosperity JSC Bank's 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Vietnam Prosperity JSC Bank ranks #167 out of 1473 companies for 3-Year RORE %. This places Vietnam Prosperity JSC Bank in the top 11% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.87. Vietnam Prosperity JSC Bank's value of 41.32 is 318.6% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.87, based on 1,473 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vietnam Prosperity JSC Bank's current 3-Year RORE % of 41.32 is 318.6% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Vietnam Prosperity JSC Bank and its competitors. For the Banks industry, the median 3-Year RORE % is 9.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vietnam Prosperity JSC Bank's current 3-Year RORE % is 41.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vietnam Prosperity JSC Bank stock overvalued right now?
Based on GuruFocus' analysis, Vietnam Prosperity JSC Bank (STC:VPB) is currently considered Fairly Valued. The stock's GF Value™ is ₫27,543.50, compared to a current price of ₫27,450.00 — trading 0.3% below its estimated fair value. The current 3-Year RORE % is 41.32 and 318.6% above the Banks industry median of 9.87. Vietnam Prosperity JSC Bank's overall GF Score™ is 75/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Vietnam Prosperity JSC Bank (STC:VPB), the current 3-Year RORE % is 41.32 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 Vietnam Prosperity JSC Bank (STC:VPB) Overvalued in 2026?

Based on GuruFocus' analysis, Vietnam Prosperity JSC Bank stock appears to be undervalued. The current stock price of ₫27,450.00 is trading 0.3% below its estimated GF Value™ of ₫27,543.50. GuruFocus considers Vietnam Prosperity JSC Bank to be Fairly Valued.

Key valuation signals for STC:VPB:

  • 3-Year RORE %: 41.32
  • GF Value™: ₫27,543.50 vs. price of ₫27,450.00 (0.3% below fair value)
  • GF Score™: 75/100 with 2 warning signs
  • Industry Position: 318.6% above the Banks median (#167 of 1473)

No single metric tells the full story. See the STC:VPB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Vietnam Prosperity JSC Bank Business Description

Address No. 89 Lang Ha Street, Lang Ha Ward, Dong Da District, Hanoi, VNM
Vietnam Prosperity JSC Bank is engaged in offering banking services in Vietnam. The firm offers personal services, cards, e-banking services, insurance, and other financial services for household and small and medium enterprises. Its segment includes Banking; Finance company and Asset and liabilities management. The company generates maximum revenue from the Banking segment.
75GF Score

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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫27,450.00
Price
₫27,543.50
GF Value