ScoreWhy is Nam A Commercial Joint Stock Bank ?
1
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
2
Positive results in Jun 25
- OPERATING CASH FLOW(Y) Highest at VND 7,199,820 MM
- CREDIT DEPOSIT RATIO(Q) Highest at 0%
- CASH AND EQV(HY) Highest at VND 39,428,336 MM
3
With ROA of 1.07%, it has a fair valuation with a 0.92 Price to Book Value
- Over the past year, while the stock has generated a return of 8.80%, its profits have risen by 21.2%
4
Underperformed the market in the last 1 year
- The stock has generated a return of 8.80% in the last 1 year, much lower than market (Vietnam VN Ho Chi Minh Index) returns of 29.95%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Nam A Commercial Joint Stock 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 Nam A Commercial Joint Stock Bank for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Nam A Commercial Joint Stock Bank
8.8%
2.42
32.21%
Vietnam VN Ho Chi Minh Index
29.95%
1.40
21.34%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.94%
EBIT Growth (5y)
40.44%
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
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
0.92
EV to EBIT
19.13
EV to EBITDA
18.32
EV to Capital Employed
0.98
EV to Sales
4.71
PEG Ratio
NA
Dividend Yield
0.84%
ROCE (Latest)
5.13%
ROE (Latest)
18.12%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
RSI
Bullish
No Signal
Bollinger Bands
Bearish
Sideways
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
OPERATING CASH FLOW(Y)
Highest at VND 7,199,820 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
CASH AND EQV(HY)
Highest at VND 39,428,336 MM
NET SALES(Q)
Highest at VND 5,263,169 MM
OPERATING PROFIT(Q)
Highest at VND 1,209,966 MM
PRE-TAX PROFIT(Q)
Highest at VND 1,295,588 MM
NET PROFIT(Q)
Highest at VND 1,034,671 MM
EPS(Q)
Highest at VND 603.06
-1What is not working for the Company
OPERATING PROFIT MARGIN(Q)
Lowest at 22.99 %
Here's what is working for Nam A Commercial Joint Stock 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 (%)
Operating Cash Flow
Highest at VND 7,199,820 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (VND MM)
Net Sales
Highest at VND 5,263,169 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Operating Profit
Highest at VND 1,209,966 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (VND MM)
Pre-Tax Profit
Highest at VND 1,295,588 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 1,034,671 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
EPS
Highest at VND 603.06
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (VND)
Cash and Eqv
Highest at VND 39,428,336 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at VND 56,631 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 Nam A Commercial Joint Stock Bank
Operating Profit Margin
Lowest at 22.99 %
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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