ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Ho Chi Minh City Development Joint Stock Commercial Bank ?
1
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 28.80%
2
Positive results in Dec 25
- OPERATING CASH FLOW(Y) Highest at VND 36,500,755 MM
- NII(Q) Highest at VND 9,914,751 MM
- CASH AND EQV(HY) Highest at VND 92,464,476 MM
3
With ROA of 1.47%, it has a fair valuation with a 1.83 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 60.35%, its profits have risen by 27% ; the PEG ratio of the company is 0.3
4
Market Beating Performance
- The stock has generated a return of 60.35% in the last 1 year, much higher than market (Vietnam VN Ho Chi Minh Index) returns of 43.59%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Ho Chi Minh City Development Joint Stock Commercial 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 Ho Chi Minh City Development Joint Stock Commercial Bank for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Ho Chi Minh City Development Joint Stock Commercial Bank
-100.0%
1.02
42.19%
Vietnam VN Ho Chi Minh Index
43.59%
1.93
22.62%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
24.20%
EBIT Growth (5y)
28.26%
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
9
Industry P/E
Price to Book Value
1.83
EV to EBIT
17.57
EV to EBITDA
17.36
EV to Capital Employed
1.22
EV to Sales
4.92
PEG Ratio
0.34
Dividend Yield
0.26%
ROCE (Latest)
6.94%
ROE (Latest)
20.53%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
OPERATING CASH FLOW(Y)
Highest at VND 36,500,755 MM
NII(Q)
Highest at VND 9,914,751 MM
CASH AND EQV(HY)
Highest at VND 92,464,476 MM
NET SALES(Q)
Highest at VND 19,036,704 MM
OPERATING PROFIT(Q)
Highest at VND 5,670,946 MM
PRE-TAX PROFIT(Q)
Highest at VND 6,519,277 MM
NET PROFIT(Q)
Highest at VND 5,107,218 MM
EPS(Q)
Highest at VND 1,020.37
-2What is not working for the Company
INTEREST(9M)
At VND 25,662,606 MM has Grown at 28.83%
Here's what is working for Ho Chi Minh City Development Joint Stock Commercial Bank
Operating Cash Flow
Highest at VND 36,500,755 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)
NII
Highest at VND 9,914,751 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (VND MM)
Net Sales
Highest at VND 19,036,704 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Net Sales
At VND 19,036,704 MM has Grown at 25.28%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Operating Profit
Highest at VND 5,670,946 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (VND MM)
Pre-Tax Profit
Highest at VND 6,519,277 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (VND MM)
Pre-Tax Profit
At VND 6,519,277 MM has Grown at 59.95%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (VND MM)
Net Profit
Highest at VND 5,107,218 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
Net Profit
At VND 5,107,218 MM has Grown at 63.97%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
EPS
Highest at VND 1,020.37
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (VND)
Cash and Eqv
Highest at VND 92,464,476 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Ho Chi Minh City Development Joint Stock Commercial Bank
Interest
At VND 25,662,606 MM has Grown at 28.83%
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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