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
Flat results in Dec 25
- INTEREST(9M) At VND 35,564,227 MM has Grown at 25.64%
- OPERATING PROFIT MARGIN(Q) Lowest at 38 %
- EPS(Q) Lowest at VND 0
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 -30.18%, 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 -30.18% 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
-30.18%
0.24
42.94%
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)
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
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bearish
Moving Averages
Bullish (Daily)
KST
Bullish
Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NET SALES(Q)
Highest at VND 28,650,580 MM
GROSS NPA (%)
(Q
NII(Q)
Highest at VND 16,206,619 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 131.27%
-5What is not working for the Company
INTEREST(9M)
At VND 35,564,227 MM has Grown at 25.64%
OPERATING PROFIT MARGIN(Q)
Lowest at 38 %
EPS(Q)
Lowest at VND 0
Here's what is working for Joint Stock Commercial Bank for Foreign Trade of Vietnam
Net Sales
Highest at VND 28,650,580 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (VND MM)
Non Performing Loans (%)
Lowest at 0.44%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at VND 16,206,619 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (VND MM)
Net Sales
At VND 28,650,580 MM has Grown at 14.33%
over average net sales of the previous four periods of VND 25,058,725.25 MMMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Credit Deposit Ratio
Highest at 131.27%
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 38 % and Fallen
In each period in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Interest
At VND 35,564,227 MM has Grown at 25.64%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (VND MM)
EPS
Lowest at VND 0
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (VND)
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