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
With a growth in Interest of NAN%, the company declared Very 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 46.96%, 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, Low Return
Absolute
Risk Adjusted
Volatility
Ho Chi Minh City Development Joint Stock Commercial Bank
42.66%
0.71
42.44%
Vietnam VN Ho Chi Minh Index
16.45%
1.90
22.90%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
24.00%
EBIT Growth (5y)
29.58%
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
8
Industry P/E
Price to Book Value
1.66
EV to EBIT
17.77
EV to EBITDA
17.55
EV to Capital Employed
1.17
EV to Sales
5.29
PEG Ratio
NA
Dividend Yield
0.22%
ROCE (Latest)
6.60%
ROE (Latest)
20.57%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bullish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
OPERATING CASH FLOW(Y)
Highest at VND 33,792,021 MM
CASH AND EQV(HY)
Highest at VND 96,720,568 MM
NET SALES(Q)
Highest at VND 19,920,877 MM
OPERATING PROFIT(Q)
Highest at VND 5,994,333 MM
-2What is not working for the Company
INTEREST(9M)
At VND 28,925,585 MM has Grown at 37.88%
Here's what is working for Ho Chi Minh City Development Joint Stock Commercial Bank
Operating Cash Flow
Highest at VND 33,792,021 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)
Net Sales
Highest at VND 19,920,877 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Net Sales
At VND 19,920,877 MM has Grown at 32.88%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Operating Profit
Highest at VND 5,994,333 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (VND MM)
Cash and Eqv
Highest at VND 96,720,568 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at VND 72,198 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
Interest
At VND 28,925,585 MM has Grown at 37.88%
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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