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%
- INTEREST(9M) At VND 22,862,982 MM has Grown at 37.15%
2
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 3.57%, its profits have risen by 3%
- At the current price, the company has a high dividend yield of 3.3
3
Majority shareholders : FIIs
4
Underperformed the market in the last 1 year
- The stock has generated a return of 3.57% in the last 1 year, much lower than market (Vietnam VN Ho Chi Minh Index) returns of 43.59%
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
16.9%
-0.17
31.46%
Vietnam VN Ho Chi Minh Index
38.87%
1.90
22.90%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
13.10%
EBIT Growth (5y)
15.73%
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
0
Pledged Shares
0
Institutional Holding
0.01%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
1.27
EV to EBIT
21.70
EV to EBITDA
21.23
EV to Capital Employed
1.06
EV to Sales
7.06
PEG Ratio
NA
Dividend Yield
3.15%
ROCE (Latest)
4.91%
ROE (Latest)
16.53%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NET SALES(Q)
Highest at VND 17,245,394 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 147.71%
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at VND -205,044,457 MM
INTEREST(9M)
At VND 27,498,061 MM has Grown at 41.4%
Here's what is working for Asia Commercial Joint Stock Bank
Net Sales
Highest at VND 17,245,394 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (VND MM)
Net Sales
At VND 17,245,394 MM has Grown at 17.17%
over average net sales of the previous four periods of VND 14,718,751 MMMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Credit Deposit Ratio
Highest at 147.71%
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 (%)
Here's what is not working for Asia Commercial Joint Stock Bank
Operating Cash Flow
Lowest at VND -205,044,457 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (VND MM)
Interest
At VND 27,498,061 MM has Grown at 41.4%
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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