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
Flat results in Jun 25
- OPERATING PROFIT MARGIN(Q) Lowest at 25.64 %
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 27.97%, its profits have risen by 27% ; the PEG ratio of the company is 0.3
Real-Time Research ReportHow much should you hold?
- 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, High Return
Absolute
Risk Adjusted
Volatility
Ho Chi Minh City Development Joint Stock Commercial Bank
26.36%
1.44
35.88%
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)
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
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
OPERATING CASH FLOW(Y)
Highest at VND 41,113,050 MM
NII(Q)
Highest at VND 9,819,158 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 133.83%
NET SALES(Q)
Highest at VND 17,989,705 MM
-1What is not working for the Company
OPERATING PROFIT MARGIN(Q)
Lowest at 25.64 %
Here's what is working for Ho Chi Minh City Development Joint Stock Commercial Bank
Operating Cash Flow
Highest at VND 41,113,050 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 9,819,158 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (VND MM)
Net Sales
Highest at VND 17,989,705 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Net Sales
At VND 17,989,705 MM has Grown at 26.29%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Credit Deposit Ratio
Highest at 133.83%
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 (%)
Depreciation
Highest at VND 61,639 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (VND MM)
Here's what is not working for Ho Chi Minh City Development Joint Stock Commercial Bank
Operating Profit Margin
Lowest at 25.64 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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