Sai Gon Thuong Tin Commercial Joint Stock Bank (STB) — Financial Flexibility Index
Sai Gon Thuong Tin Commercial Joint Stock Bank (STB) has a Financial Flexibility Index of -0.07x as of March 2026. Free cash flow of ₫-58.41 Trillion (operating CF ₫-58.55 Trillion minus capex ₫136.45 Billion) represents 0% of total liabilities (₫798.09 Trillion). Check Sai Gon Thuong Tin Commercial Joint Stoc (STB) strategic investment index to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Sai Gon Thuong Tin Commercial Joint Stock Bank Financial Flexibility Index (2019–2025)
Historical Financial Flexibility Index trend for Sai Gon Thuong Tin Commercial Joint Stock Bank across 7 annual periods. See Sai Gon Thuong Tin Commercial Joint Stoc current assets vs equity to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Sai Gon Thuong Tin Commercial Joint Stock Bank (2019–2025)
Year-by-year free cash flow to debt coverage for Sai Gon Thuong Tin Commercial Joint Stock Bank. For the full company profile including market capitalisation, see STB market cap.
| Year | Flexibility Index | Free Cash Flow (VND) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.11x | ₫93.40 Trillion | ₫92.48 Trillion | ₫857.25 Trillion | ▲ +91.8% |
| 2024 | 0.06x | ₫39.38 Trillion | ₫38.37 Trillion | ₫693.12 Trillion | ▲ +27.4% |
| 2023 | 0.04x | ₫28.04 Trillion | ₫26.75 Trillion | ₫628.66 Trillion | ▲ +206.5% |
| 2022 | -0.04x | ₫-23.16 Trillion | ₫-24.31 Trillion | ₫553.28 Trillion | ▼ -15.6% |
| 2021 | -0.04x | ₫-17.63 Trillion | ₫-18.24 Trillion | ₫486.86 Trillion | ▲ +38.9% |
| 2020 | -0.06x | ₫-27.49 Trillion | ₫-28.47 Trillion | ₫463.56 Trillion | ▲ +20.5% |
| 2019 | -0.07x | ₫-31.82 Trillion | ₫-32.70 Trillion | ₫426.84 Trillion | — |