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 Dec 25
- OPERATING CASH FLOW(Y) Highest at VND 12,492,397 MM
- NII(Q) Highest at VND 4,832,426 MM
- CASH AND EQV(HY) Highest at VND 40,538,829 MM
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 17.03%, 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
Underperformed the market in the last 1 year
- The stock has generated a return of 17.03% in the last 1 year, much lower than market (Vietnam VN Ho Chi Minh Index) returns of 43.59%
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
17.03%
2.57
34.91%
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)
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
Bearish
Bullish
RSI
Bullish
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
OPERATING CASH FLOW(Y)
Highest at VND 12,492,397 MM
NII(Q)
Highest at VND 4,832,426 MM
CASH AND EQV(HY)
Highest at VND 40,538,829 MM
NET SALES(Q)
Highest at VND 11,256,922 MM
OPERATING PROFIT(Q)
Highest at VND 4,539,768 MM
OPERATING PROFIT MARGIN(Q)
Highest at 40.33 %
PRE-TAX PROFIT(Q)
Highest at VND 4,657,105 MM
NET PROFIT(Q)
Highest at VND 3,730,588 MM
-3What is not working for the Company
INTEREST(9M)
At VND 18,038,742 MM has Grown at 27.85%
EPS(Q)
Lowest at VND 0
Here's what is working for Lien Viet Post Joint Stock Commercial Bank
Operating Cash Flow
Highest at VND 12,492,397 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)
NII
Highest at VND 4,832,426 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (VND MM)
Net Sales
Highest at VND 11,256,922 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Operating Profit
Highest at VND 4,539,768 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (VND MM)
Operating Profit Margin
Highest at 40.33 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at VND 4,657,105 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 3,730,588 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
Cash and Eqv
Highest at VND 40,538,829 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Lien Viet Post Joint Stock Commercial Bank
Interest
At VND 18,038,742 MM has Grown at 27.85%
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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