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 Jun 25
- OPERATING CASH FLOW(Y) Highest at VND 45,398,992.82 MM
- NET SALES(Q) Highest at VND 25,236,506 MM
- PRE-TAX PROFIT(Q) Highest at VND 11,033,915 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 -8.99%, its profits have risen by 2% ; the PEG ratio of the company is 8.3
4
Below par performance in long term as well as near term
- Along with generating -8.99% returns in the last 1 year, the stock has also underperformed Vietnam VN Ho Chi Minh Index in the last 3 years, 1 year and 3 months
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?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Joint Stock Commercial Bank for Foreign Trade of Vietnam
-9.18%
-0.09
39.31%
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)
6.70%
EBIT Growth (5y)
12.75%
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
12.08%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
2.42
EV to EBIT
20.67
EV to EBITDA
20.13
EV to Capital Employed
1.56
EV to Sales
9.03
PEG Ratio
8.27
Dividend Yield
0.59%
ROCE (Latest)
7.54%
ROE (Latest)
14.58%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
OPERATING CASH FLOW(Y)
Highest at VND 45,398,992.82 MM
NET SALES(Q)
Highest at VND 25,236,506 MM
PRE-TAX PROFIT(Q)
Highest at VND 11,033,915 MM
NII(Q)
Highest at VND 14,172,295 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 125.31%
OPERATING PROFIT(Q)
Highest at VND 10,984,510 MM
NET PROFIT(Q)
Highest at VND 8,831,885 MM
EPS(Q)
Highest at VND 1,056.99
-1What is not working for the Company
OPERATING PROFIT MARGIN(Q)
Lowest at 43.53 %
Here's what is working for Joint Stock Commercial Bank for Foreign Trade of Vietnam
Net Sales
Highest at VND 25,236,506 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (VND MM)
Pre-Tax Profit
Highest at VND 11,033,915 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (VND MM)
NII
Highest at VND 14,172,295 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (VND MM)
Operating Cash Flow
Highest at VND 45,398,992.82 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (VND MM)
Operating Profit
Highest at VND 10,984,510 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (VND MM)
Net Profit
Highest at VND 8,831,885 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
EPS
Highest at VND 1,056.99
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (VND)
Credit Deposit Ratio
Highest at 125.31%
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 Joint Stock Commercial Bank for Foreign Trade of Vietnam
Operating Profit Margin
Lowest at 43.53 %
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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