VietCredit Finance JSC (HSTC:TIN) Scaled Net Operating Assets: 0.68 (As of Mar. 2026)


HSTC:TIN VietCredit Finance JSC HSTC:TIN
29 GF Score
Price ₫118,000.00
! 1 Warning Sign
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What is VietCredit Finance JSC Scaled Net Operating Assets?

VietCredit Finance JSC HSTC:TIN 29 Scaled Net Operating Assets is 0.68 as of Mar. 2026. GuruFocus rates HSTC:TIN with a GF Score™ of 29/100. The stock has 1 warning sign investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

VietCredit Finance JSC's operating assets for the quarter that ended in Mar. 2026 was ₫17,202,502 Mil. VietCredit Finance JSC's operating liabilities for the quarter that ended in Mar. 2026 was ₫5,144,473 Mil. VietCredit Finance JSC's Total Assets for the quarter that ended in Dec. 2025 was ₫17,641,694 Mil. Therefore, VietCredit Finance JSC's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.68.

HSTC:TIN
29GF Score
VietCredit Finance JSC HSTC:TIN
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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VietCredit Finance JSC Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

VietCredit Finance JSC's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(15007572.866-5825605.484)/8163104.127
=1.12

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=17641693.551 - 2634120.685
=15007572.866

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=15642870.546 - 9817265.062 - 0
=5825605.484

VietCredit Finance JSC's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(17202501.633-5144473.102)/17641693.551
=0.68

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=19496411.331 - 2293909.698
=17202501.633

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=17036041.241 - 11891568.139 - 0
=5144473.102

* 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.

What does a Scaled Net Operating Assets of 0.68 mean?
VietCredit Finance JSC (HSTC:TIN) has a Scaled Net Operating Assets of 0.68 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on VietCredit Finance JSC and its competitors.
Is VietCredit Finance JSC's Scaled Net Operating Assets too high?
VietCredit Finance JSC's current Scaled Net Operating Assets is 0.68. Overall, VietCredit Finance JSC has a GF Score™ of 29/100, reflecting its overall financial health beyond just this single metric.
How does VietCredit Finance JSC's Scaled Net Operating Assets compare to competitors?
VietCredit Finance JSC's Scaled Net Operating Assets of 0.68 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on VietCredit Finance JSC and its competitors. VietCredit Finance JSC's current Scaled Net Operating Assets is 0.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VietCredit Finance JSC stock overvalued right now?
VietCredit Finance JSC (HSTC:TIN) has a current Scaled Net Operating Assets of 0.68. The current Scaled Net Operating Assets is 0.68. VietCredit Finance JSC's overall GF Score™ is 29/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For VietCredit Finance JSC (HSTC:TIN), the current Scaled Net Operating Assets is 0.68 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.

VietCredit Finance JSC Business Description

Address No. 98 Hoang Quoc Viet, 9th Floor, V.E.T Tower, Nghia Do Ward, Hanoi, VNM
VietCredit Finance JSC is engaged in providing financial services under its Establishment and Operation License, including mobilising and receiving term deposits from organisations, granting short, medium, and long-term loans and consumption loans to organisations and individuals based on its capital sources, and conducting foreign currency trading, treasury services, and other cash services as approved by the SBV. Its products include credit cards, certificates of deposit, and small business loans.
29GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₫118,000.00
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