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Saigon Treasure Commercial Joint Stock Bank STB.VN
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Saigon Treasure Commercial Joint Stock Bank financials (annual)
Bars are annual figures from 2022 to 2025; red bars are negative (a loss or cash outflow).
| Metric | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Revenue | ₫36.04T | ₫28.91T | ₫24.80T | ₫15.64T |
| SG&A expense | ₫742.5B | ₫875.0B | ₫813.5B | ₫711.3B |
| Interest expense | ₫30.80T | ₫25.46T | ₫33.85T | ₫20.24T |
| Income tax | ₫1.69T | ₫2.63T | ₫1.88T | ₫1.30T |
| Net income | ₫5.94T | ₫10.09T | ₫7.72T | ₫5.04T |
| EPS (diluted) | ₫3150.00 | ₫4751.00 | ₫3622.00 | ₫2380.00 |
| Operating cash flow | ₫92.48T | ₫38.37T | ₫26.75T | ₫15.54T |
| Free cash flow | ₫91.55T | ₫37.35T | ₫25.46T | ₫14.40T |
| Cash & equivalents | ₫194.47T | ₫106.49T | ₫70.51T | ₫45.10T |
| Total assets | ₫917.12T | ₫748.09T | ₫674.39T | ₫591.91T |
| Total debt | ₫43.67T | ₫46.53T | ₫32.88T | ₫32.76T |
| Total liabilities | ₫857.25T | ₫693.12T | ₫628.66T | ₫553.28T |
| Shareholders' equity | ₫59.87T | ₫54.97T | ₫45.73T | ₫38.63T |
| Share buybacks | ₫0 | ₫0 | ₫0 | — |
Growth · year-over-year · Revenue CAGR 32.1%
| Metric | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Revenue growth | +24.7% | +16.6% | +58.6% | — |
| Net income growth | -41.1% | +30.7% | +53.1% | — |
| EPS growth | -33.7% | +31.2% | +52.2% | — |
| Free cash flow growth | +145.1% | +46.7% | +76.9% | — |
Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.
Computed from company filings · VN · as of 2025-12-31. Figures in VND. Facts plus Stocktoria's own computed scores — not investment advice.