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 STB long-term investments to assets to see how much of total assets are deployed in long-term investments.
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 Sai Gon Thuong Tin Commercial Joint Stoc tangible equity quality to evaluate the tangible quality of the company's equity base.
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 stock market capitalisation.
| 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 | — |