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STC:TCB's Shiller PE Ratio is ranked better than 63.19% of 1236
companies
in the Banks industry
Industry Median: 14.01
vs STC:TCB: 12.14
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
Vietnam Technological and Commercial Joint Stock bank's adjusted earnings per share data for the three months ended in Jun. 2026 was ₫1,037.230. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is ₫2,685.60 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Vietnam Technological and Commercial Joint Stock bank (STC:TCB) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Vietnam Technological and Commercial Joint Stock bank Shiller PE Ratio Related Terms
Vietnam Technological and Commercial Joint Stock bank Shiller PE Ratio 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.
Vietnam Technological and Commercial Joint Stock bank Shiller PE Ratio Chart
Vietnam Technological and Commercial Joint Stock bank 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.
Vietnam Technological and Commercial Joint Stock bank Shiller PE Ratio vs Banks Industry
Vietnam Technological and Commercial Joint Stock bank Shiller PE Ratio Calculation
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
Vietnam Technological and Commercial Joint Stock bank (STC:TCB) has a Shiller PE Ratio of 12.14 as of Sep. 07, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Vietnam Technological and Commercial Joint Stock bank and its competitors. This is near median its historical median of 11.86. Over the past decade, Vietnam Technological and Commercial Joint Stock bank's Shiller PE Ratio has ranged from 10.65 to 12.51. According to the industry distribution chart, Vietnam Technological and Commercial Joint Stock bank ranks #455 out of 1236 companies in the Banks industry, placing it in the top 36.8%.
Is Vietnam Technological and Commercial Joint Stock bank's Shiller PE Ratio too high?
Vietnam Technological and Commercial Joint Stock bank's current Shiller PE Ratio of 12.14 is near median its 10-year median of 11.86. Over the past 10 years, this metric has ranged from a low of 10.65 to a high of 12.51. The Banks industry median Shiller PE Ratio is 14.01. Vietnam Technological and Commercial Joint Stock bank's value of 12.14 is 13.3% below this industry median. Based on the distribution chart, Vietnam Technological and Commercial Joint Stock bank ranks #455 out of 1236 companies in the Banks industry, which is above the industry midpoint. Overall, Vietnam Technological and Commercial Joint Stock bank has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Vietnam Technological and Commercial Joint Stock bank's Shiller PE Ratio compare to competitors?
According to the Banks industry distribution chart, Vietnam Technological and Commercial Joint Stock bank ranks #455 out of 1236 companies for Shiller PE Ratio. This puts Vietnam Technological and Commercial Joint Stock bank in the upper half of its industry. The industry median Shiller PE Ratio is 14.01. Vietnam Technological and Commercial Joint Stock bank's value of 12.14 is 13.3% below this benchmark. Historically, Vietnam Technological and Commercial Joint Stock bank's own Shiller PE Ratio has ranged from 10.65 to 12.51 over the past decade. While the company's 10-year median is 11.86 vs. the industry median of 14.01, Vietnam Technological and Commercial Joint Stock bank has consistently been below 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 Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 14.01, based on 1,236 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Vietnam Technological and Commercial Joint Stock bank's current Shiller PE Ratio of 12.14 is 13.3% below 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Vietnam Technological and Commercial Joint Stock bank and its competitors. For the Banks industry, the median Shiller PE Ratio is 14.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vietnam Technological and Commercial Joint Stock bank's current Shiller PE Ratio is 12.14, which is near median its own 10-year median of 11.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vietnam Technological and Commercial Joint Stock bank stock overvalued right now?
Based on GuruFocus' analysis, Vietnam Technological and Commercial Joint Stock bank (STC:TCB) is currently considered Fairly Valued. The stock's GF Value™ is ₫33,219.84, compared to a current price of ₫32,600.00 — trading 1.9% below its estimated fair value. The current Shiller PE Ratio is 12.14, which is near median its 10-year median of 11.86 and 13.3% below the Banks industry median of 14.01. Vietnam Technological and Commercial Joint Stock bank's overall GF Score™ is 80/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Vietnam Technological and Commercial Joint Stock bank (STC:TCB), the current Shiller PE Ratio is 12.14 as of Sep. 07, 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 Technological and Commercial Joint Stock bank (STC:TCB) Overvalued in 2026?
Based on GuruFocus' analysis, Vietnam Technological and Commercial Joint Stock bank stock appears to be undervalued.
The current stock price of ₫32,600.00 is trading 1.9% below its estimated GF Value™ of ₫33,219.84.
GuruFocus considers Vietnam Technological and Commercial Joint Stock bank to be Fairly Valued.
Key valuation signals for STC:TCB:
Shiller PE Ratio: 12.14 (near median its 10-year median of 11.86)
GF Value™: ₫33,219.84 vs. price of ₫32,600.00 (1.9% below fair value)
Industry Position: 13.3% below the Banks median (#455 of 1236)
No single metric tells the full story. See the STC:TCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vietnam Technological and Commercial Joint Stock bank The principal activities of the Bank are mobilizing and receiving short, medium and long-term deposit funds from organizations and individuals; lending on short, medium and long-term basis; conducting settlement and cash services and other banking services as approved by the SBV; conducting investments in subsidiaries, associates, joint-ventures and other companies; conducting investments in bonds and dealing in foreign exchange as per regulations.
80GF Score
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