Lien Viet Post Joint Stock Commercial Bank () Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Vietnam Prosperity Joint-Stock Commercial Bank

Vietnam Technological & Commercial Joint Stock Bank

Viet Nam International Commercial Joint Stock Bank

Sai Gon - Hanoi Commercial Joint Stock Bank

JSC Bank for Investment & Development of Vietnam

Ho Chi Minh City Development Joint Stock Commercial Bank

Tien Phong Commercial Joint Stock Bank

Southeast Asia Commercial Joint Stock Bank

Asia Commercial Joint Stock Bank

Lien Viet Post Joint Stock Commercial Bank

Saigon Thuong Tin Commercial Joint Stock Bank

Why is Lien Viet Post Joint Stock Commercial Bank ?

Efficient Cost Management with a low Cost to Income Ratio of 28.49%

Strong Long Term Fundamental Strength with a 40.64% CAGR growth in Net Profits

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%

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

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 19.69%, 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

Underperformed the market in the last 1 year

The stock has generated a return of 19.69% in the last 1 year, much lower than market (Vietnam VN Ho Chi Minh Index) returns of 43.59%

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

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

62.5%

2.59

35.05%

Vietnam VN Ho Chi Minh Index

38.87%

1.90

22.90%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

17.13%

EBIT Growth (5y)

44.05%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

2.67

EV to EBIT

21.24

EV to EBITDA

20.92

EV to Capital Employed

1.36

EV to Sales

7.57

PEG Ratio

11.05

Dividend Yield

5.92%

ROCE (Latest)

6.41%

ROE (Latest)

24.20%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

Mildly Bearish

Bullish

OBV

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

2What is working for the Company

CASH AND EQV(HY)

Highest at VND 40,855,428 MM

NET SALES(Q)

At VND 10,800,059 MM has Grown at 26.86%

-9What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at VND -121,032,860 MM

INTEREST(9M)

At VND 19,426,565 MM has Grown at 30.77%

OPERATING PROFIT(Q)

Lowest at VND 2,750,656 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 25.47 %

PRE-TAX PROFIT(Q)

Lowest at VND 2,826,472 MM

NET PROFIT(Q)

Lowest at VND 2,279,191 MM

EPS(Q)

Lowest at VND 762.96

Here's what is working for Lien Viet Post Joint Stock Commercial Bank

Net Sales

At VND 10,800,059 MM has Grown at 26.86%

Year on Year (YoY)

MOJO Watch

Near term sales trend is positive

Net Sales (VND MM)

Cash and Eqv

Highest at VND 40,855,428 MM

in the last six Semi-Annual periods

MOJO 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 19,426,565 MM has Grown at 30.77%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (VND MM)

Operating Cash Flow

Lowest at VND -121,032,860 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (VND MM)

Operating Profit

Lowest at VND 2,750,656 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (VND MM)

Operating Profit Margin

Lowest at 25.47 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at VND 2,826,472 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (VND MM)

Net Profit

Lowest at VND 2,279,191 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (VND MM)

EPS

Lowest at VND 762.96

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (VND)