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 12.67x as of June 2026. Operating cash flow of ₫17.06 Trillion exceeds net income of ₫1.35 Trillion, indicating high earnings quality where cash backs reported profits. Explore STB debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see Sai Gon Thuong Tin Commercial Joint Stoc operating cash flow efficiency.
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.
| 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 | — |