ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Joint Stock Commercial Bank for Foreign Trade of Vietnam ?
1
Efficient Cost Management with a low Cost to Income Ratio of 32.63%
2
Positive results in Dec 25
- NET SALES(Q) Highest at VND 28,650,580 MM
- GROSS NPA (%)(Q) Lowest at 0.44%
- NII(Q) Highest at VND 16,206,619 MM
3
With ROA of 1.05%, it has a expensive valuation with a 2.42 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 -32.80%, its profits have risen by 2% ; the PEG ratio of the company is 8.3
4
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -32.80% returns in the last 1 year, the stock has also underperformed Vietnam VN Ho Chi Minh Index in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Joint Stock Commercial Bank for Foreign Trade of Vietnam 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 Joint Stock Commercial Bank for Foreign Trade of Vietnam for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Joint Stock Commercial Bank for Foreign Trade of Vietnam
9.35%
0.14
43.12%
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)
8.70%
EBIT Growth (5y)
14.10%
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
15
Industry P/E
Price to Book Value
2.26
EV to EBIT
22.80
EV to EBITDA
22.12
EV to Capital Employed
1.42
EV to Sales
9.22
PEG Ratio
NA
Dividend Yield
0.60%
ROCE (Latest)
6.23%
ROE (Latest)
15.47%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend17What is working for the Company
OPERATING CASH FLOW(Y)
Highest at VND 34,933,028 MM
NII(Q)
Highest at VND 17,661,079 MM
NET SALES(Q)
Highest at VND 32,101,986 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 0.47%
OPERATING PROFIT(Q)
Highest at VND 11,755,047 MM
PRE-TAX PROFIT(Q)
Highest at VND 11,802,653 MM
NET PROFIT(Q)
Highest at VND 9,456,566 MM
EPS(Q)
Highest at VND 1,131.75
-5What is not working for the Company
INTEREST(9M)
At VND 38,940,923 MM has Grown at 28.77%
OPERATING PROFIT MARGIN(Q)
Lowest at 36.62 %
CASH AND EQV(HY)
Lowest at VND 83,876,766 MM
Here's what is working for Joint Stock Commercial Bank for Foreign Trade of Vietnam
NII
Highest at VND 17,661,079 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at VND 34,933,028 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 32,101,986 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 0.47% 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 (%)
Net Sales
At VND 32,101,986 MM has Grown at 21.9%
over average net sales of the previous four periods of VND 26,335,491 MMMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Operating Profit
Highest at VND 11,755,047 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (VND MM)
Pre-Tax Profit
Highest at VND 11,802,653 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (VND MM)
Net Profit
Highest at VND 9,456,566 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
EPS
Highest at VND 1,131.75
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (VND)
Here's what is not working for Joint Stock Commercial Bank for Foreign Trade of Vietnam
Operating Profit Margin
Lowest at 36.62 % and Fallen
In each period in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Interest
At VND 38,940,923 MM has Grown at 28.77%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (VND MM)
Cash and Eqv
Lowest at VND 83,876,766 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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