Tien Phong Commercial Joint Stock Bank (STC:TPB) Scaled Net Operating Assets: 0.07 (As of Mar. 2026)


STC:TPB Tien Phong Commercial Joint Stock Bank STC:TPB
76 GF Score
Price ₫16,000.00
GF Value ₫16,535.62
Valuation Fairly Valued
! 4 Warning Signs
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What is Tien Phong Commercial Joint Stock Bank Scaled Net Operating Assets?

Tien Phong Commercial Joint Stock Bank STC:TPB 76 Scaled Net Operating Assets is 0.07 as of Mar. 2026. GuruFocus rates STC:TPB with a GF Score™ of 76/100 and a GF Value™ of ₫16,535.62 (Fairly Valued). The stock has 4 warning signs investors should review.

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

Tien Phong Commercial Joint Stock Bank's operating assets for the quarter that ended in Mar. 2026 was ₫417,277,410 Mil. Tien Phong Commercial Joint Stock Bank's operating liabilities for the quarter that ended in Mar. 2026 was ₫380,621,549 Mil. Tien Phong Commercial Joint Stock Bank's Total Assets for the quarter that ended in Dec. 2025 was ₫505,901,570 Mil. Therefore, Tien Phong Commercial Joint Stock Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.07.

STC:TPB
76GF Score
Tien Phong Commercial Joint Stock Bank STC:TPB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Tien Phong 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.

Tien Phong 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 )
=(388345749-391197794)/418028391
=-0.01

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=505901570 - 117555821
=388345749

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=459852809 - 68655015 - 0
=391197794

Tien Phong 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 )
=(417277410-380621549)/505901570
=0.07

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=527169377 - 109891967
=417277410

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=479135059 - 98513510 - 0
=380621549

* 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 0.07 mean?
Tien Phong Commercial Joint Stock Bank (STC:TPB) has a Scaled Net Operating Assets of 0.07 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 Tien Phong Commercial Joint Stock Bank and its competitors.
Is Tien Phong Commercial Joint Stock Bank's Scaled Net Operating Assets too high?
Tien Phong Commercial Joint Stock Bank's current Scaled Net Operating Assets is 0.07. Overall, Tien Phong Commercial Joint Stock Bank has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Tien Phong Commercial Joint Stock Bank's Scaled Net Operating Assets compare to competitors?
Tien Phong Commercial Joint Stock Bank's Scaled Net Operating Assets of 0.07 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 Tien Phong Commercial Joint Stock Bank and its competitors. Tien Phong Commercial Joint Stock Bank's current Scaled Net Operating Assets is 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tien Phong Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Tien Phong Commercial Joint Stock Bank (STC:TPB) is currently considered Fairly Valued. The stock's GF Value™ is ₫16,535.62, compared to a current price of ₫16,000.00 — trading 3.2% below its estimated fair value. The current Scaled Net Operating Assets is 0.07. Tien Phong Commercial Joint Stock Bank's overall GF Score™ is 76/100 with 4 warning signs 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 Tien Phong Commercial Joint Stock Bank (STC:TPB), the current Scaled Net Operating Assets is 0.07 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 Tien Phong Commercial Joint Stock Bank (STC:TPB) Overvalued in 2026?

Based on GuruFocus' analysis, Tien Phong Commercial Joint Stock Bank stock appears to be undervalued. The current stock price of ₫16,000.00 is trading 3.2% below its estimated GF Value™ of ₫16,535.62. GuruFocus considers Tien Phong Commercial Joint Stock Bank to be Fairly Valued.

Key valuation signals for STC:TPB:

  • Scaled Net Operating Assets: 0.07
  • GF Value™: ₫16,535.62 vs. price of ₫16,000.00 (3.2% below fair value)
  • GF Score™: 76/100 with 4 warning signs

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

Tien Phong Commercial Joint Stock Bank Business Description

Address No. 57 Ly Thuong Kiet Street, Cua Nam Ward, TP Bank building, Hoan Kiem District, Hanoi, VNM
Tien Phong Commercial Joint Stock Bank provides a range of banking services, including mobilizing and receiving short-term, medium-term, and long-term deposits from organizations and individuals, and extending loans and advances based on the Bank's capital capacity. Its activities also include foreign exchange transactions, bond investments, international trade finance services, discounting of bonds and other valuable papers, gold trading, and other banking services as approved by the State Bank of Vietnam.
76GF Score

Get the complete analysis for STC:TPB

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

₫16,000.00
Price
₫16,535.62
GF Value