Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) Scaled Net Operating Assets: -0.09 (As of Mar. 2026)


STC:CTG Viet Nam Joint Stock Commercial Bank For Industry And Trade STC:CTG
72 GF Score
Price ₫33,600.00
GF Value ₫32,002.62
Valuation Fairly Valued
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What is Viet Nam Joint Stock Commercial Bank For Industry And Trade Scaled Net Operating Assets?

Viet Nam Joint Stock Commercial Bank For Industry And Trade STC:CTG +0.30% 72 Scaled Net Operating Assets is -0.09 as of Mar. 2026. GuruFocus rates STC:CTG with a GF Score™ of 72/100 and a GF Value™ of ₫32,002.62 (Fairly Valued).

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

Viet Nam Joint Stock Commercial Bank For Industry And Trade's operating assets for the quarter that ended in Mar. 2026 was ₫2,305,797,575 Mil. Viet Nam Joint Stock Commercial Bank For Industry And Trade's operating liabilities for the quarter that ended in Mar. 2026 was ₫2,565,028,579 Mil. Viet Nam Joint Stock Commercial Bank For Industry And Trade's Total Assets for the quarter that ended in Dec. 2025 was ₫2,767,699,300 Mil. Therefore, Viet Nam Joint Stock Commercial Bank For Industry And Trade's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.09.

STC:CTG
72GF Score
Viet Nam Joint Stock Commercial Bank For Industry And Trade STC:CTG
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Viet Nam Joint Stock Commercial Bank For Industry And Trade 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.

Viet Nam Joint Stock Commercial Bank For Industry And Trade'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 )
=(2256509107-2393734487)/2385387732
=-0.06

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2767699300 - 511190193
=2256509107

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2588044295 - 194309808 - 0
=2393734487

Viet Nam Joint Stock Commercial Bank For Industry And Trade'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 )
=(2305797575-2565028579)/2767699300
=-0.09

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2924176928 - 618379353
=2305797575

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2735484770 - 170456191 - 0
=2565028579

* 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 -0.09 mean?
Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) has a Scaled Net Operating Assets of -0.09 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade and its competitors.
Is Viet Nam Joint Stock Commercial Bank For Industry And Trade's Scaled Net Operating Assets too high?
Viet Nam Joint Stock Commercial Bank For Industry And Trade's current Scaled Net Operating Assets is -0.09. Overall, Viet Nam Joint Stock Commercial Bank For Industry And Trade has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Viet Nam Joint Stock Commercial Bank For Industry And Trade's Scaled Net Operating Assets compare to competitors?
Viet Nam Joint Stock Commercial Bank For Industry And Trade's Scaled Net Operating Assets of -0.09 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade and its competitors. Viet Nam Joint Stock Commercial Bank For Industry And Trade's current Scaled Net Operating Assets is -0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Viet Nam Joint Stock Commercial Bank For Industry And Trade stock overvalued right now?
Based on GuruFocus' analysis, Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) is currently considered Fairly Valued. The stock's GF Value™ is ₫32,002.62, compared to a current price of ₫33,600.00 — trading 5% above its estimated fair value. The current Scaled Net Operating Assets is -0.09. Viet Nam Joint Stock Commercial Bank For Industry And Trade's overall GF Score™ is 72/100. 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG), the current Scaled Net Operating Assets is -0.09 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 Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) Overvalued in 2026?

Based on GuruFocus' analysis, Viet Nam Joint Stock Commercial Bank For Industry And Trade stock appears to be overvalued. The current stock price of ₫33,600.00 is trading 5% above its estimated GF Value™ of ₫32,002.62. GuruFocus considers Viet Nam Joint Stock Commercial Bank For Industry And Trade to be Fairly Valued.

Key valuation signals for STC:CTG:

  • Scaled Net Operating Assets: -0.09
  • GF Value™: ₫32,002.62 vs. price of ₫33,600.00 (5% above fair value)
  • GF Score™: 72/100

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


Viet Nam Joint Stock Commercial Bank For Industry And Trade Business Description

Address 108 Tran Hung Dao Street, Hoan Kiem District, Hanoi, VNM
Viet Nam Joint Stock Commercial Bank For Industry And Trade is a Vietnam based banking service provider. The company's operating segment include Banking financial services, Non-banking financial services, and Others. It generates maximum revenue from the Banking financial services segment. The company provides banking services including mobilizing and receiving short, medium and long-term deposits from organizations or individuals; making short, medium and long term loans and advances to organizations and individuals; conducting foreign exchange transactions, international trade finance services, discounting of commercial papers, bonds and other valuable papers and other services.
72GF Score

Get the complete analysis for STC:CTG

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

₫33,600.00
Price
₫32,002.62
GF Value