ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Sai Gon - Hanoi Commercial Joint Stock Bank ?
1
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 32.60%
2
Positive results in Jun 25
- ROCE(HY) Highest at 1.46%
- NII(Q) Highest at VND 9,126,756 MM
- CASH AND EQV(HY) Highest at VND 69,887,843 MM
3
With ROA of 1.01%, it has a very attractive valuation with a 1.16 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 89.33%, its profits have risen by 27% ; the PEG ratio of the company is 0.3
- At the current price, the company has a high dividend yield of 4
4
Market Beating Performance
- The stock has generated a return of 89.33% in the last 1 year, much higher than market (Vietnam VN Ho Chi Minh Index) returns of 33.89%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Sai Gon - Hanoi 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
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.80%
EBIT Growth (5y)
31.48%
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
24.07%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
1.16
EV to EBIT
19.76
EV to EBITDA
19.57
EV to Capital Employed
1.05
EV to Sales
4.47
PEG Ratio
0.31
Dividend Yield
3.98%
ROCE (Latest)
5.30%
ROE (Latest)
14.73%
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 Bullish
Mildly Bearish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
ROCE(HY)
Highest at 1.46%
NII(Q)
Highest at VND 9,126,756 MM
CASH AND EQV(HY)
Highest at VND 69,887,843 MM
NET SALES(Q)
Highest at VND 18,005,250 MM
OPERATING PROFIT(Q)
Highest at VND 4,475,924 MM
PRE-TAX PROFIT(Q)
Highest at VND 4,565,811 MM
NET PROFIT(Q)
Highest at VND 3,606,511 MM
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at VND 1,005,953 MM
ROCE(HY)
Lowest at 1.46%
Here's what is working for Sai Gon - Hanoi Commercial Joint Stock Bank
Net Sales
At VND 18,005,250 MM has Grown at 40.93%
over average net sales of the previous four periods of VND 12,776,288 MMMOJO Watch
Near term sales trend is very positive
Net Sales (VND MM)
NII
Highest at VND 9,126,756 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (VND MM)
Net Sales
Highest at VND 18,005,250 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Operating Profit
Highest at VND 4,475,924 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (VND MM)
Pre-Tax Profit
Highest at VND 4,565,811 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (VND MM)
Pre-Tax Profit
At VND 4,565,811 MM has Grown at 53.88%
over average net sales of the previous four periods of VND 2,967,038 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (VND MM)
Net Profit
Highest at VND 3,606,511 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
Net Profit
At VND 3,606,511 MM has Grown at 51.96%
over average net sales of the previous four periods of VND 2,373,291.5 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
Cash and Eqv
Highest at VND 69,887,843 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at VND 30,243 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 Sai Gon - Hanoi Commercial Joint Stock Bank
Operating Cash Flow
Lowest at VND 1,005,953 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (VND MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
