ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Lien Viet Post Joint Stock Commercial Bank ?
1
Efficient Cost Management with a low Cost to Income Ratio of 28.49%
2
Strong Long Term Fundamental Strength with a 40.64% CAGR growth in Net Profits
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 40.64%
4
Positive results in Mar 25
- CREDIT DEPOSIT RATIO(Q) Highest at 0%
5
With ROA of 1.71%, it has a expensive valuation with a 3.63 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 53.65%, its profits have risen by 19.1% ; the PEG ratio of the company is 7.7
- At the current price, the company has a high dividend yield of 5.2
6
Consistent Returns over the last 3 years
- Along with generating 53.65% returns in the last 1 year, the stock has outperformed 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 Lien Viet Post 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 Lien Viet Post Joint Stock Commercial Bank for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Lien Viet Post Joint Stock Commercial Bank
55.97%
2.71
35.61%
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)
17.05%
EBIT Growth (5y)
40.92%
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
76.83%
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
3.63
EV to EBIT
24.23
EV to EBITDA
23.72
EV to Capital Employed
1.57
EV to Sales
8.22
PEG Ratio
7.71
Dividend Yield
5.22%
ROCE (Latest)
6.49%
ROE (Latest)
24.40%
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
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
-2What is not working for the Company
NII(Q)
Lowest at VND 3,294,454 MM
Here's what is working for Lien Viet Post Joint Stock Commercial Bank
Credit Deposit Ratio
Highest at 0% 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 (%)
Depreciation
Highest at VND 67,288 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 Lien Viet Post Joint Stock Commercial Bank
NII
Lowest at VND 3,294,454 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (VND MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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