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
Flat results in Dec 25
- OPERATING CASH FLOW(Y) Lowest at VND -15,220,601 MM
- INTEREST(9M) At VND 28,833,759 MM has Grown at 33.59%
- ROCE(HY) Lowest at 1.46%
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 72.50%, 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 72.50% in the last 1 year, much higher than market (Vietnam VN Ho Chi Minh Index) returns of 43.59%
Real-Time Research ReportHow much should you hold?
- 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)
12.90%
EBIT Growth (5y)
35.88%
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
6
Industry P/E
Price to Book Value
1.04
EV to EBIT
18.07
EV to EBITDA
17.91
EV to Capital Employed
1.01
EV to Sales
4.69
PEG Ratio
2.17
Dividend Yield
3.12%
ROCE (Latest)
5.59%
ROE (Latest)
17.66%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
CREDIT DEPOSIT RATIO(HY)
Highest at 133.36%
OPERATING PROFIT(Q)
Highest at VND 4,635,671 MM
PRE-TAX PROFIT(Q)
Highest at VND 4,639,116 MM
NET PROFIT(Q)
Highest at VND 3,725,963 MM
EPS(Q)
Highest at VND 799.43
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at VND -18,568,394 MM
INTEREST(9M)
At VND 31,591,290 MM has Grown at 37.07%
Here's what is working for Sai Gon - Hanoi Commercial Joint Stock Bank
Operating Profit
Highest at VND 4,635,671 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (VND MM)
Pre-Tax Profit
Highest at VND 4,639,116 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 3,725,963 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
EPS
Highest at VND 799.43
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (VND)
Credit Deposit Ratio
Highest at 133.36%
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 (%)
Depreciation
Highest at VND 37,158 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (VND MM)
Depreciation
At VND 37,158 MM has Grown at inf%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (VND MM)
Here's what is not working for Sai Gon - Hanoi Commercial Joint Stock Bank
Interest
At VND 31,591,290 MM has Grown at 37.07%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (VND MM)
Operating Cash Flow
Lowest at VND -18,568,394 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (VND MM)
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