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 77.31%, 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 77.31% 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)
12.80%
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
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
NET SALES(9M)
At VND 47,122,721 MM has Grown at 26.55%
NET PROFIT(9M)
At VND 8,473,171 MM has Grown at 41.29%
ROCE(HY)
Highest at 1.46%
CREDIT DEPOSIT RATIO(HY)
Highest at 131.55%
-13What is not working for the Company
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%
NII(Q)
Lowest at VND 3,838,385 MM
NET SALES(Q)
At VND 14,209,023 MM has Fallen at -9.32%
PRE-TAX PROFIT(Q)
At VND 2,793,827 MM has Fallen at -24.09%
NET PROFIT(Q)
At VND 2,259,937 MM has Fallen at -22.68%
EPS(Q)
Lowest at VND 0
Here's what is working for Sai Gon - Hanoi Commercial Joint Stock Bank
Credit Deposit Ratio
Highest at 131.55%
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 (%)
Here's what is not working for Sai Gon - Hanoi Commercial Joint Stock Bank
Operating Cash Flow
Lowest at VND -15,220,601 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (VND MM)
NII
Lowest at VND 3,838,385 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (VND MM)
Interest
At VND 28,833,759 MM has Grown at 33.59%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (VND MM)
Net Sales
At VND 14,209,023 MM has Fallen at -9.32%
over average net sales of the previous four periods of VND 15,669,385.25 MMMOJO Watch
Near term sales trend is negative
Net Sales (VND MM)
Pre-Tax Profit
At VND 2,793,827 MM has Fallen at -24.09%
over average net sales of the previous four periods of VND 3,680,568.25 MMMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (VND MM)
Net Profit
At VND 2,259,937 MM has Fallen at -22.68%
over average net sales of the previous four periods of VND 2,922,795.75 MMMOJO Watch
Near term Net Profit trend is negative
Net Profit (VND MM)
EPS
Lowest at VND 0
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (VND)
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