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Data-driven stock valuation

City Auto Corp (CTF) fair value: what the stock is really worth

As of Oct 26, 2026: fair value (intrinsic value) of City Auto Corp stock VND 2,096, price VND 18,500, upside -88.7%, quality 35 out of 100. Rating: strongly overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
  3. Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free

Consumer Cyclical · VN · ISIN VN000000CTF9

CA City Auto Corp logo Thin data Oct 26, 2026

City Auto Corp

CTF · VN

Weakest SetupStrongly overvalued and low quality.

Our calculation puts a fair price 89% below what the stock costs today.

Low debt
Expensive Growth (revenue 5y +8.4 %/yr in VND)
Thin margins · 0.2% net margin (TTM)
Fair value 2,096 VND · Strongly overvalued (−88.7%)
Quality 35/100
Negative free cash flow
Trails peers (1/10)
Narrow moat 19/100
Thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

31,365 VND 14,300 VND Fair Value 2,096 VND Jul 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 26, 2026.

How to read this chart

60‑month range 14,300 VND – 31,365 VND · fair‑value band 1,572 VND – 2,619 VND · the 18,500 VND price screens above the 2,096 VND fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 26, 2026.

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Company profile

City Auto Corporation trades in automobiles, spare parts, accessories, machinery, and equipment in Vietnam.

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It also manufactures and sells automobiles and other motor vehicles, as well as provides data processing, information technology, and other services related to computers; forest care and tree nursery services; and direct support service for railway transport.

In addition, the company is involved in the insurance agency and brokerage activities; real estate consultancy, brokerage, auction, and land use rights auction; automobile and other motor vehicle dealership; sale of spare parts and accessories of automobiles and other motor vehicles; road passenger and road freight transport; motor vehicle leasing; wholesale of computers, peripherals and software; maintenance and repair of automobiles and other motor vehicles; repair of machinery and equipment; retail sale of passenger cars; and wholesale sale of other household goods.

City Auto Corporation was incorporated in 2000 and is headquartered in Ho Chi Minh City, Vietnam.

Stock analysis

City Auto Corp (CTF) currently trades at 18,500 VND, while our model-based Fair Value estimate is 2,096 VND, 88.7% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the DCF Models group reads highest at a median of 13,985 VND per share, and 1 of the 12 models we run sit above the 18,500 VND price.

Bear case: the Earnings-Based group reads lowest at 1,109 VND, and 11 of the 12 models stay below the price. Data coverage for this calculation is low.

Scenario range: 1,572 VND (bear) to 2,619 VND (bull), the price of 18,500 VND sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 35/100 (below-average quality), in the Consumer Cyclical sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

City Auto Corp reported revenue of 8.4T VND in FY2025 versus 4.5T VND in FY2021, a compound +17.0%/yr. Reported net income was 9.1B VND in FY2025, compounding −34.4%/yr from FY2021.

Key figures

Market cap 1.8T VND (≈ $68.5M) Micro · P/E ratio 21.9 · P/S ratio 0.23 · EPS (TTM) 844.10 VND · Net margin 0.2% · Return on equity 1.2% · Return on assets (EBIT) 1.9% · Operating margin 1.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 19 out of 100 (medium confidence).

What moves the price

The share trades about 13% below its 52-week high and 12% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Consumer Cyclical peers we cover trades at −19% fair-value upside, at −89%, CTF screens richer than that median.

Fair Value models

The price assumes far more growth than our models allow for, so the models scatter widely (1,109 VND to 34,817 VND). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear 1,572 VND Fair Value 2,096 VND Bull 2,619 VND
Price 18,500 VND · Upside -88.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (693.78 VND per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Owner Earnings 9,430 VND 13,985 VND 19,855 VND 76
Residual Income 5,779 VND 5,150 VND 4,646 VND 76
Gordon GGM 2,048 VND 3,036 VND 3,628 VND 69
All 12 models by family
DCF Models
Owner Earnings 9,430 VND 13,985 VND 19,855 VND 76
Earnings-Based
Graham-Dodd 647.72 VND 2,960 VND 4,062 VND 64
Lynch FV 776.13 VND 1,109 VND 1,441 VND 61
PEG = 1.0 776.13 VND 1,109 VND 1,441 VND 57
Dividend Discount
Gordon GGM 2,048 VND 3,036 VND 3,628 VND 69
DDM Multi-Stage 2,048 VND 3,046 VND 3,293 VND 67
Multiples
P/E Multiple 1,572 VND 2,096 VND 2,619 VND 63
P/S Multiple 1,214 VND 1,619 VND 2,024 VND 57
P/B Multiple 26,113 VND 34,817 VND 43,521 VND 55
Asset-Based
NCAV (Graham) 1,946 VND 2,949 VND 3,686 VND 54
Economic Profit
Residual Income 5,779 VND 5,150 VND 4,646 VND 76
Growth Earnings
Growth-Adj P/E 1,282 VND 1,832 VND 2,381 VND 67

Open the full fair value analysis →

Quality Score breakdown

Overall quality 35/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 35
How much profit the company makes from its sales and capital
Quality Growth 48
Are margins and returns getting better?
Cashflow 15
Do the profits arrive as real cash?
Financial strength 30
Debt, balance sheet and risk of trouble
Investment 67
Does it invest with discipline instead of growing at any price?
Low Volatility 88
How calm the share price moves, does not count
Momentum 44
Price trend of the last 3 to 12 months, does not count
Near the 52-week high 35
Distance to the 52-week high, does not count
New shares 40
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 45/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+3.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.4%
Start year 2020 (pandemic)
What shareholders gained per year (last 5 years), in VND ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in VND: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+40.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+40.1%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.0% → 0%

CTF screens overvalued: fair value 89% below the price. Compare with Carvana Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Auto & Truck Dealerships · 87 stocks

Beats the industry median on 1/10 measures
Overall it trails its industry peers.
Valuation
Quality Score 35 · Bottom 25%
Fair Value upside −88.7% · Bottom 25%
Profitability
Return on equity (12 months) 1.2% · Below median
Return on assets 0.3% · Below median
Net margin (12 months) 0.2% · Bottom 25%
Operating margin (12 months) 1.2% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −28.7% · Bottom 25%
Dividend yield (12 months) 0.0% · Bottom 25%
Balance sheet
Debt / equity 0.24× · Below median

Valuation Multiplesvs Auto & Truck Dealerships median · lower = cheaper

P/E (12 months) 21.9× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 43
FUTURE (revenue growth)0 · sector 18
PAST (return on equity)5 · sector 27
HEALTH (low debt)88 · sector 86
DIVIDEND (yield)0 · sector 65

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Auto & Truck Dealerships stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
AutoNation, Inc AN $161.84 $381.90 +136% vs CTF
Lithia Motors, Inc LAD $295.57 $517.15 +75% vs CTF
Hotai Motor Co 2207 526.00 TWD 576.75 TWD +10% vs CTF
Penske Automotive Group PAG $212.33 $229.90 +8% vs CTF
OPENLANE, Inc OPLN $37.69 $30.57 −19% vs CTF
Rush Enterprises, Inc RUSHB $57.89 $46.91 −19% vs CTF
CarMax, Inc KMX $51.55 $32.38 −37% vs CTF
D'Ieteren Group DIE €175.90 €105.40 −40% vs CTF
Carvana Co CVNA $57.81 $25.27 −56% vs CTF
AUTO1 Group AG1 €17.04 €4.48 −74% vs CTF

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City Auto Corp · Fair Value
2,096 VND −89%Fair Value
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Cite: Fair Value Calculator (2026). "City Auto Corp Fair Value". https://www.fairvalue-calculator.com/stock/CTF

Frequently asked questions

Is City Auto Corp (CTF) overvalued or undervalued?
As of Oct 26, 2026, our model estimates a fair value of 2,096 VND versus a price of 18,500 VND, about −89% upside (overvalued).
What is the fair value of CTF?
Our model-based fair value for City Auto Corp is 2,096 VND (as of Oct 26, 2026), built from audited fundamentals. The current price: 18,500 VND.
What is the quality score of CTF?
City Auto Corp has a Quality Score of 35/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for City Auto Corp (CTF)?
Our model-based price target is the fair value of 2,096 VND (as of Oct 26, 2026) from 12 valuation models. Cautious scenario 1,572 VND, optimistic scenario 2,619 VND. It is a calculation from audited fundamentals, not an analyst target.
What is the City Auto Corp stock forecast for 2026?
Our models put fair value at 2,096 VND, about −89% upside versus a price of 18,500 VND (overvalued). Cautious scenario 1,572 VND, optimistic scenario 2,619 VND. The calculation is refreshed regularly with new filings.
What is the revenue of City Auto Corp (CTF)?
City Auto Corp reported trailing-twelve-month revenue of about 7.7T VND (latest available figure, as of Oct 26, 2026).
What is the intrinsic value of City Auto Corp (CTF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For City Auto Corp it is 2,096 VND per share (as of Oct 26, 2026), against a price of 18,500 VND. It is the blended result of 12 valuation models (cash flow, earnings, asset, dividend).
Is City Auto Corp stock overvalued or undervalued in 2026?
As of Oct 26, 2026, CTF trades above its calculated fair value: price 18,500 VND, fair value 2,096 VND, a gap of about −89% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CTF?
No. The price is what the market pays today (18,500 VND); the fair value is what the company's own numbers justify (2,096 VND). For City Auto Corp the two are 16,404 VND per share apart. That gap is exactly why we show both numbers side by side.
How much is City Auto Corp worth?
The market values City Auto Corp at about 1.8T VND (market capitalisation, as of Oct 26, 2026). Per share that is 18,500 VND; our models calculate a fair value of 2,096 VND per share.
What do the bullish and bearish scenarios say about CTF?
Our models span a range for City Auto Corp: cautious scenario 1,572 VND, base 2,096 VND, optimistic 2,619 VND per share (as of Oct 26, 2026, price 18,500 VND). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CTF?
City Auto Corp trades at a price-to-earnings ratio of 21.9 (as of Oct 26, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 2,096 VND is built from several models across several years.
How solid is the balance sheet of City Auto Corp (CTF)?
Balance-sheet figures for City Auto Corp (as of Oct 26, 2026): return on equity 1.2%, debt of 0.24 per unit of equity. They feed the Quality Score of 35/100, which measures business quality independently of the share price.
How far is CTF from its 52-week high?
City Auto Corp trades at 18,500 VND, about 13% below its 52-week high of 21,250 VND and 12% above the low of 16,500 VND (as of Oct 26, 2026). Distance from the high says nothing about value: that is what the fair value of 2,096 VND is for.
Which stocks are comparable to City Auto Corp?
From the same area (Consumer Cyclical) we also value Carvana Co, Penske Automotive Group, D'Ieteren Group, Hotai Motor Co, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is City Auto Corp stock attractive at the current price?
The data as of Oct 26, 2026: price 18,500 VND, calculated fair value 2,096 VND (−89%), Quality Score 35/100, from 12 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CTF calculated?
We run City Auto Corp through 12 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 2,096 VND, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 12.7 % above its aggregate fair value. City Auto Corp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of City Auto Corp (CTF)?
The closing price on Oct 26, 2026 was 18,500 VND. Our model-based fair value is 2,096 VND, about −89% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with City Auto Corp right now?
The price sits above even our optimistic bull case (2,619 VND). The favourable scenario is already priced in. Weak quality (35/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.

Key figures of City Auto Corp

How large is the market capitalisation of City Auto Corp (CTF)?
The market capitalisation of City Auto Corp is 1.8T VND (≈ $68.5M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of City Auto Corp (CTF)?
The price-to-sales ratio of City Auto Corp is 0.23 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of City Auto Corp (CTF)?
Earnings per share at City Auto Corp are 844.10 VND (price ÷ EPS = P/E 21.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of City Auto Corp (CTF)?
The net margin of City Auto Corp is 0.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of City Auto Corp (CTF)?
The return on equity (ROE) of City Auto Corp is 1.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of City Auto Corp (CTF)?
On an EBIT basis the return on assets of City Auto Corp is 1.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of City Auto Corp (CTF)?
The operating margin of City Auto Corp is 1.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at City Auto Corp (CTF)?
Revenue at City Auto Corp is growing −28.7% versus a year earlier (3y avg +10.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at City Auto Corp (CTF)?
Earnings per share at City Auto Corp are growing −40.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does City Auto Corp (CTF) generate?
The free cash flow of City Auto Corp is −33.6B VND (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does City Auto Corp (CTF) carry?
The net debt of City Auto Corp is 2.3T VND (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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