ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Asia Commercial Joint Stock Bank ?
1
Healthy long term growth as Net profit has grown by an annual rate of 22.60%
2
Positive results in Jun 25
- OPERATING CASH FLOW(Y) Highest at VND 27,406,600 MM
- CREDIT DEPOSIT RATIO(Q) Highest at 0%
- NET SALES(Q) Highest at VND 14,357,251 MM
3
With ROA of 1.12%, it has a fair valuation with a 1.32 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 6.40%, its profits have risen by 3%
- At the current price, the company has a high dividend yield of 3.3
4
Underperformed the market in the last 1 year
- The stock has generated a return of 6.40% in the last 1 year, much lower than market (Vietnam VN Ho Chi Minh Index) returns of 33.89%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Asia Commercial Joint Stock Bank should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Asia Commercial Joint Stock Bank for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Asia Commercial Joint Stock Bank
6.82%
-0.18
30.33%
Vietnam VN Ho Chi Minh Index
29.95%
1.61
21.07%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.40%
EBIT Growth (5y)
23.47%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
23.70%
Pledged Shares
0
Institutional Holding
0.01%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
1.32
EV to EBIT
17.48
EV to EBITDA
17.12
EV to Capital Employed
1.08
EV to Sales
7.06
PEG Ratio
NA
Dividend Yield
3.27%
ROCE (Latest)
6.20%
ROE (Latest)
18.79%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
OPERATING CASH FLOW(Y)
Highest at VND 27,406,600 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
NET SALES(Q)
Highest at VND 14,357,251 MM
OPERATING PROFIT(Q)
Highest at VND 5,647,254 MM
PRE-TAX PROFIT(Q)
Highest at VND 6,093,345 MM
NET PROFIT(Q)
Highest at VND 4,881,159 MM
EPS(Q)
Highest at VND 950.26
-2What is not working for the Company
INTEREST(9M)
At VND 21,021,373 MM has Grown at 24.72%
Here's what is working for Asia Commercial Joint Stock Bank
Operating Cash Flow
Highest at VND 27,406,600 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (VND MM)
Credit Deposit Ratio
Highest at 0% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Net Sales
Highest at VND 14,357,251 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Operating Profit
Highest at VND 5,647,254 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (VND MM)
Pre-Tax Profit
Highest at VND 6,093,345 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (VND MM)
Net Profit
Highest at VND 4,881,159 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
EPS
Highest at VND 950.26
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (VND)
Here's what is not working for Asia Commercial Joint Stock Bank
Interest
At VND 21,021,373 MM has Grown at 24.72%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (VND MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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