Sai Gon Thuong Tin Commercial Joint Stock Bank (STB) — Cash Flow Quality Index
Sai Gon Thuong Tin Commercial Joint Stock Bank (STB) has a Cash Flow Quality Index of -36.95x as of March 2026. Operating cash flow of ₫-58.55 Trillion is below net income of ₫1.58 Trillion, suggesting accrual-heavy earnings not yet converted to cash. Explore Sai Gon Thuong Tin Commercial Joint Stoc cash conversion from operations to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Sai Gon Thuong Tin Commercial Joint Stock Bank Cash Flow Quality Index (2019–2025)
Historical Cash Flow Quality Index for Sai Gon Thuong Tin Commercial Joint Stock Bank across 7 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check STB total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for Sai Gon Thuong Tin Commercial Joint Stock Bank (2019–2025)
Year-by-year earnings quality comparison for Sai Gon Thuong Tin Commercial Joint Stock Bank. For live market cap and the full company financial profile, see STB market cap overview.
| Year | Quality Index | Operating CF (VND) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 15.57x | ₫92.48 Trillion | ₫5.94 Trillion | ▲ +309.4% |
| 2024 | 3.80x | ₫38.37 Trillion | ₫10.09 Trillion | ▲ +9.7% |
| 2023 | 3.47x | ₫26.75 Trillion | ₫7.72 Trillion | ▲ +171.9% |
| 2022 | -4.82x | ₫-24.31 Trillion | ₫5.04 Trillion | ▲ +9.8% |
| 2021 | -5.35x | ₫-18.24 Trillion | ₫3.41 Trillion | ▲ +49.6% |
| 2020 | -10.62x | ₫-28.47 Trillion | ₫2.68 Trillion | ▲ +20.3% |
| 2019 | -13.32x | ₫-32.70 Trillion | ₫2.45 Trillion | — |