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The 3-Year Sortino Ratio measures the additional return that an investor receives per unit of the downside risk over the past three years. As of today (2026-09-08), Viet Nam Joint Stock Commercial Bank For Industry And Trade's 3-Year Sortino Ratio is 1.02.
Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) 3-Year Sortino Ratio Explanation
The 3-Year Sortino Ratio inidicates the risk-adjusted return of an investment over the past three year. It is calculated as the annualized result of the average three-year monthly excess returns divided by the standard deviation of negative returns in the three-year period. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.
Differnt from the Sharpe Ratio that penalizes both upside and downside volatility equally, the Sortino Ratio penalizes only those returns falling below a user-specified target or required rate of return. The expected returns here is set to the risk-free rate as well.
Viet Nam Joint Stock Commercial Bank For Industry And Trade 3-Year Sortino Ratio Related Terms
Viet Nam Joint Stock Commercial Bank For Industry And Trade 3-Year Sortino Ratio Competitor Comparison
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Viet Nam Joint Stock Commercial Bank For Industry And Trade 3-Year Sortino Ratio vs Banks Industry
Viet Nam Joint Stock Commercial Bank For Industry And Trade 3-Year Sortino Ratio Calculation
The 3-Year Sortino Ratio measures the risk-adjusted return of an investment asset or portfolio in the last three year, focusing specifically on downside risk rather than total risk. A stock / portfolio's 3-Year Sortino Ratio can be calculated by dividing the difference between the three-year average monthly returns of the investment and the risk-free rate, by the standard deviation of the downside risks over the past three year.
A downside risk is a potential loss from the asset or investment. The Downside risk here is measured by the downside deviation, which is the standard deviation of negative returns.
Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG) has a 3-Year Sortino Ratio of 1.02 as of Sep. 08, 2026. 3-Year Sortino Ratio measures the additional return that an investor receives per unit of the downside risk over the past three years. View historical data for 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 3-Year Sortino Ratio too high?
Viet Nam Joint Stock Commercial Bank For Industry And Trade's current 3-Year Sortino Ratio is 1.02. Overall, Viet Nam Joint Stock Commercial Bank For Industry And Trade has a GF Score™ of 70/100 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 3-Year Sortino Ratio compare to competitors?
Viet Nam Joint Stock Commercial Bank For Industry And Trade's 3-Year Sortino Ratio of 1.02 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 3-Year Sortino Ratio for a Banks company?
A good 3-Year Sortino Ratio depends on the Banks industry context. However, 3-Year Sortino Ratio 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 3-Year Sortino Ratio mean?
A high 3-Year Sortino Ratio can signal that a stock is expensive relative to its fundamentals. 3-Year Sortino Ratio measures the additional return that an investor receives per unit of the downside risk over the past three years. View historical data for 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 3-Year Sortino Ratio is 1.02. 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 ₫31,723.32, compared to a current price of ₫30,800.00 — trading 2.9% below its estimated fair value. The current 3-Year Sortino Ratio is 1.02. Viet Nam Joint Stock Commercial Bank For Industry And Trade's overall GF Score™ is 70/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Sortino Ratio calculated?
3-Year Sortino Ratio is calculated from a company's financial statements. For Viet Nam Joint Stock Commercial Bank For Industry And Trade (STC:CTG), the current 3-Year Sortino Ratio is 1.02 as of Sep. 08, 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 undervalued.
The current stock price of ₫30,800.00 is trading 2.9% below its estimated GF Value™ of ₫31,723.32.
GuruFocus considers Viet Nam Joint Stock Commercial Bank For Industry And Trade to be Fairly Valued.
Key valuation signals for STC:CTG:
3-Year Sortino Ratio: 1.02
GF Value™: ₫31,723.32 vs. price of ₫30,800.00 (2.9% below fair value)
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 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.
70GF Score
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