ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Orient Commercial Joint Stock Bank ?
1
High Management Efficiency with a high ROA of 1.96%
2
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.96%
3
Positive results in Mar 25
4
With ROA of 0.85%, it has a fair valuation with a 0.96 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 13.73%, its profits have fallen by -20.9%
- At the current price, the company has a high dividend yield of 4.2
5
Underperformed the market in the last 1 year
- The stock has generated a return of 13.73% in the last 1 year, much lower than market (Vietnam VN Ho Chi Minh Index) returns of 33.89%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Orient 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 Orient Commercial Joint Stock Bank for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Orient Commercial Joint Stock Bank
14.24%
-0.21
33.15%
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)
14.53%
EBIT Growth (5y)
2.08%
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
54.83%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
0.96
EV to EBIT
39.28
EV to EBITDA
37.91
EV to Capital Employed
0.99
EV to Sales
7.42
PEG Ratio
NA
Dividend Yield
4.19%
ROCE (Latest)
2.52%
ROE (Latest)
9.09%
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
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend0What is working for the Company
NO KEY POSITIVE TRIGGERS
-6What is not working for the Company
NET PROFIT(9M)
At VND 2,215,974.95 MM has Grown at -28.16%
OPERATING CASH FLOW(Y)
Lowest at VND 2,752,363.5 MM
CASH AND EQV(HY)
Lowest at VND 4,951,837.68 MM
Here's what is working for Orient Commercial Joint Stock Bank
Depreciation
Highest at VND 33,212.66 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 Orient Commercial Joint Stock Bank
Net Profit
At VND 2,215,974.95 MM has Grown at -28.16%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (VND MM)
Operating Cash Flow
Lowest at VND 2,752,363.5 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (VND MM)
Cash and Eqv
Lowest at VND 4,951,837.68 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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