Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) Scaled Net Operating Assets: -0.13 (As of Mar. 2026)


STC:VCB Joint Stock Commercial Bank for Foreign Trade of Vietnam STC:VCB
84 GF Score
Price ₫62,000.00
GF Value ₫69,831.85
Valuation Modestly Undervalued
! 1 Warning Sign
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What is Joint Stock Commercial Bank for Foreign Trade of Vietnam Scaled Net Operating Assets?

Joint Stock Commercial Bank for Foreign Trade of Vietnam STC:VCB +0.98% 84 Scaled Net Operating Assets is -0.13 as of Mar. 2026. GuruFocus rates STC:VCB with a GF Score™ of 84/100 and a GF Value™ of ₫69,831.85 (Modestly Undervalued). 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.

Joint Stock Commercial Bank for Foreign Trade of Vietnam's operating assets for the quarter that ended in Mar. 2026 was ₫1,945,322,188 Mil. Joint Stock Commercial Bank for Foreign Trade of Vietnam's operating liabilities for the quarter that ended in Mar. 2026 was ₫2,273,878,834 Mil. Joint Stock Commercial Bank for Foreign Trade of Vietnam's Total Assets for the quarter that ended in Dec. 2025 was ₫2,442,279,166 Mil. Therefore, Joint Stock Commercial Bank for Foreign Trade of Vietnam's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.13.

STC:VCB
84GF Score
Joint Stock Commercial Bank for Foreign Trade of Vietnam STC:VCB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Joint Stock Commercial Bank for Foreign Trade of Vietnam 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.

Joint Stock Commercial Bank for Foreign Trade of Vietnam'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 )
=(1873702253-2174950714)/2085873522
=-0.14

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2442279166 - 568576913
=1873702253

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2217720440 - 42769726 - 0
=2174950714

Joint Stock Commercial Bank for Foreign Trade of Vietnam'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 )
=(1945322188-2273878834)/2442279166
=-0.13

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2550963342 - 605641154
=1945322188

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2316932013 - 43053179 - 0
=2273878834

* 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 -0.13 mean?
Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) has a Scaled Net Operating Assets of -0.13 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 Joint Stock Commercial Bank for Foreign Trade of Vietnam and its competitors.
Is Joint Stock Commercial Bank for Foreign Trade of Vietnam's Scaled Net Operating Assets too high?
Joint Stock Commercial Bank for Foreign Trade of Vietnam's current Scaled Net Operating Assets is -0.13. Overall, Joint Stock Commercial Bank for Foreign Trade of Vietnam has a GF Score™ of 84/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Joint Stock Commercial Bank for Foreign Trade of Vietnam's Scaled Net Operating Assets compare to competitors?
Joint Stock Commercial Bank for Foreign Trade of Vietnam's Scaled Net Operating Assets of -0.13 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 Joint Stock Commercial Bank for Foreign Trade of Vietnam and its competitors. Joint Stock Commercial Bank for Foreign Trade of Vietnam's current Scaled Net Operating Assets is -0.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Joint Stock Commercial Bank for Foreign Trade of Vietnam stock overvalued right now?
Based on GuruFocus' analysis, Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₫69,831.85, compared to a current price of ₫62,000.00 — trading 11.2% below its estimated fair value. The current Scaled Net Operating Assets is -0.13. Joint Stock Commercial Bank for Foreign Trade of Vietnam's overall GF Score™ is 84/100 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 Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB), the current Scaled Net Operating Assets is -0.13 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 Joint Stock Commercial Bank for Foreign Trade of Vietnam (STC:VCB) Overvalued in 2026?

Based on GuruFocus' analysis, Joint Stock Commercial Bank for Foreign Trade of Vietnam stock appears to be undervalued. The current stock price of ₫62,000.00 is trading 11.2% below its estimated GF Value™ of ₫69,831.85. GuruFocus considers Joint Stock Commercial Bank for Foreign Trade of Vietnam to be Modestly Undervalued.

Key valuation signals for STC:VCB:

  • Scaled Net Operating Assets: -0.13
  • GF Value™: ₫69,831.85 vs. price of ₫62,000.00 (11.2% below fair value)
  • GF Score™: 84/100 with 1 warning sign

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


Joint Stock Commercial Bank for Foreign Trade of Vietnam Business Description

Other Exchanges VCB11:Thailand
Address No. 198 Tran Quang Khai Street, Hoan Kiem District, Ha Noi, VNM
Joint Stock Commercial Bank for Foreign Trade of Vietnam is a a state-owned commercial bank. Its activities include selling gold bars; mobilizing and receiving short, medium and long-term deposits from organizations and individuals; lending to organizations and individuals up to the nature and capability of the bank's capital resources; conducting settlement and cash services; providing other banking services. Its personal banking services include Account Services, Digital Banking Services, Cards, Loans, Savings, Insurance, Investments, and Money Transfer Services. Institutional banking provides SME banking, and corporate banking.
84GF Score

Get the complete analysis for STC:VCB

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

₫62,000.00
Price
₫69,831.85
GF Value