Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) Scaled Net Operating Assets: -0.02 (As of Mar. 2026)


STC:SHB Sai Gon - Hanoi Commercial Joint Stock Bank STC:SHB
68 GF Score
Price ₫13,650.00
GF Value ₫14,308.17
Valuation Fairly Valued
! 1 Warning Sign
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What is Sai Gon - Hanoi Commercial Joint Stock Bank Scaled Net Operating Assets?

Sai Gon - Hanoi Commercial Joint Stock Bank STC:SHB 68 Scaled Net Operating Assets is -0.02 as of Mar. 2026. GuruFocus rates STC:SHB with a GF Score™ of 68/100 and a GF Value™ of ₫14,308.17 (Fairly Valued). 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.

Sai Gon - Hanoi Commercial Joint Stock Bank's operating assets for the quarter that ended in Mar. 2026 was ₫751,415,004 Mil. Sai Gon - Hanoi Commercial Joint Stock Bank's operating liabilities for the quarter that ended in Mar. 2026 was ₫770,684,045 Mil. Sai Gon - Hanoi Commercial Joint Stock Bank's Total Assets for the quarter that ended in Dec. 2025 was ₫892,008,709 Mil. Therefore, Sai Gon - Hanoi Commercial Joint Stock Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.02.

STC:SHB
68GF Score
Sai Gon - Hanoi Commercial Joint Stock Bank STC:SHB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Sai Gon - Hanoi Commercial Joint Stock Bank 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.

Sai Gon - Hanoi Commercial Joint Stock Bank'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 )
=(729510254-743980353)/747478069
=-0.02

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=892008709 - 162498455
=729510254

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=823877771 - 79897418 - 0
=743980353

Sai Gon - Hanoi Commercial Joint Stock Bank'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 )
=(751415004-770684045)/892008709
=-0.02

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=930982542 - 179567538
=751415004

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=859259342 - 88575297 - 0
=770684045

* 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 -0.02 mean?
Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) has a Scaled Net Operating Assets of -0.02 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 Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors.
Is Sai Gon - Hanoi Commercial Joint Stock Bank's Scaled Net Operating Assets too high?
Sai Gon - Hanoi Commercial Joint Stock Bank's current Scaled Net Operating Assets is -0.02. Overall, Sai Gon - Hanoi Commercial Joint Stock Bank has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sai Gon - Hanoi Commercial Joint Stock Bank's Scaled Net Operating Assets compare to competitors?
Sai Gon - Hanoi Commercial Joint Stock Bank's Scaled Net Operating Assets of -0.02 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 Sai Gon - Hanoi Commercial Joint Stock Bank and its competitors. Sai Gon - Hanoi Commercial Joint Stock Bank's current Scaled Net Operating Assets is -0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sai Gon - Hanoi Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) is currently considered Fairly Valued. The stock's GF Value™ is ₫14,308.17, compared to a current price of ₫13,650.00 — trading 4.6% below its estimated fair value. The current Scaled Net Operating Assets is -0.02. Sai Gon - Hanoi Commercial Joint Stock Bank's overall GF Score™ is 68/100 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 Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB), the current Scaled Net Operating Assets is -0.02 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 Sai Gon - Hanoi Commercial Joint Stock Bank (STC:SHB) Overvalued in 2026?

Based on GuruFocus' analysis, Sai Gon - Hanoi Commercial Joint Stock Bank stock appears to be undervalued. The current stock price of ₫13,650.00 is trading 4.6% below its estimated GF Value™ of ₫14,308.17. GuruFocus considers Sai Gon - Hanoi Commercial Joint Stock Bank to be Fairly Valued.

Key valuation signals for STC:SHB:

  • Scaled Net Operating Assets: -0.02
  • GF Value™: ₫14,308.17 vs. price of ₫13,650.00 (4.6% below fair value)
  • GF Score™: 68/100 with 1 warning sign

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

Sai Gon - Hanoi Commercial Joint Stock Bank Business Description

Address 77 Tran Hung Dao Street, Hoan Kiem District, Cua Nam Ward, Hanoi, VNM
Sai Gon - Hanoi Commercial Joint Stock Bank is a Vietnam-based banking corporation. It offers various banking services to its customers, including retail banking, corporate banking, and other banking-related services. Its products and services include savings, current accounts, money transfer services, E-banking, guarantee service, and forex trading and treasury services. It also provides credit in the form of car loans, rubber loans, agricultural product loans, business overdrafts, and medium and long-term loans and credit facilities. The company operates in four reportable segments: credit, investment, services, and treasury. The primary source of its revenue is interest income, commission, and fees received by providing advisory and financial services to the customer.
68GF Score

Get the complete analysis for STC:SHB

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

₫13,650.00
Price
₫14,308.17
GF Value