ScoreWhy is Bac A Commercial Joint Stock Bank ?
Unrated Stock - No Analysis Available
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No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.70%
EBIT Growth (5y)
5.88%
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
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
1.04
EV to EBIT
40.94
EV to EBITDA
39.29
EV to Capital Employed
1.01
EV to Sales
4.19
PEG Ratio
0.69
Dividend Yield
0.70%
ROCE (Latest)
2.47%
ROE (Latest)
8.29%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bullish
Dow Theory
No Trend
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
NET SALES(Q)
Highest at VND 3,482,911 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 0.98%
-16What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at VND -227,486 MM
NII(Q)
Lowest at VND 712,949 MM
OPERATING PROFIT(Q)
Lowest at VND 107,141 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 3.08 %
PRE-TAX PROFIT(Q)
Lowest at VND 145,184 MM
NET PROFIT(Q)
Lowest at VND 118,127 MM
EPS(Q)
Lowest at VND 110.18
Here's what is working for Bac A Commercial Joint Stock Bank
Net Sales
Highest at VND 3,482,911 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (VND MM)
Credit Deposit Ratio
Highest at 0.98% 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 (%)
Here's what is not working for Bac A Commercial Joint Stock Bank
Pre-Tax Profit
At VND 145,184 MM has Fallen at -58.2%
over average net sales of the previous four periods of VND 347,358.5 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (VND MM)
Net Profit
At VND 118,127 MM has Fallen at -57.59%
over average net sales of the previous four periods of VND 278,532.75 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (VND MM)
Operating Cash Flow
Lowest at VND -227,486 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)
NII
Lowest at VND 712,949 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (VND MM)
Operating Profit
Lowest at VND 107,141 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (VND MM)
Operating Profit Margin
Lowest at 3.08 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at VND 145,184 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (VND MM)
Net Profit
Lowest at VND 118,127 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (VND MM)
EPS
Lowest at VND 110.18
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (VND)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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