ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Saigon Thuong Tin Commercial Joint Stock Bank ?
1
The company has declared negative results in Jan 70 after 2 consecutive negative quarters
- OPERATING CASH FLOW(Y) Lowest at VND 10,119,268 MM
- INTEREST(9M) At VND 24,014,547 MM has Grown at 26.91%
- OPERATING PROFIT MARGIN(Q) Lowest at -23.86 %
2
With ROA of 1.03%, it has a attractive valuation with a 1.86 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 63.19%, its profits have risen by 31% ; the PEG ratio of the company is 0.4
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Saigon Thuong Tin Commercial Joint Stock Bank for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Saigon Thuong Tin Commercial Joint Stock Bank
63.19%
2.77
37.53%
Vietnam VN Ho Chi Minh Index
43.59%
1.93
22.62%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.40%
EBIT Growth (5y)
26.54%
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
11
Industry P/E
Price to Book Value
1.86
EV to EBIT
16.14
EV to EBITDA
14.89
EV to Capital Employed
1.37
EV to Sales
3.78
PEG Ratio
0.36
Dividend Yield
NA
ROCE (Latest)
8.51%
ROE (Latest)
16.86%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
CASH AND EQV(HY)
Highest at VND 50,430,473 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 129.2%
-29What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at VND 10,119,268 MM
INTEREST(9M)
At VND 24,014,547 MM has Grown at 26.91%
OPERATING PROFIT MARGIN(Q)
Lowest at -23.86 %
PRE-TAX PROFIT(Q)
Lowest at VND -3,360,145 MM
NET PROFIT(Q)
Lowest at VND -2,752,462 MM
NII(Q)
Lowest at VND 5,364,977 MM
OPERATING PROFIT(Q)
Lowest at VND -3,348,502 MM
EPS(Q)
Lowest at VND -1,460.03
Here's what is working for Saigon Thuong Tin Commercial Joint Stock Bank
Cash and Eqv
Highest at VND 50,430,473 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 129.2%
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 Saigon Thuong Tin Commercial Joint Stock Bank
Pre-Tax Profit
At VND -3,360,145 MM has Fallen at -186.08%
over average net sales of the previous four periods of VND 3,903,633.5 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (VND MM)
Net Profit
At VND -2,752,462 MM has Fallen at -169.3%
over average net sales of the previous four periods of VND 3,971,932.25 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (VND MM)
Operating Cash Flow
Lowest at VND 10,119,268 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)
Operating Profit Margin
Lowest at -23.86 % and Fallen
In each period in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at VND -3,360,145 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (VND MM)
Net Profit
Lowest at VND -2,752,462 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very negative
Net Profit (VND MM)
NII
Lowest at VND 5,364,977 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (VND MM)
Interest
At VND 24,014,547 MM has Grown at 26.91%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (VND MM)
Operating Profit
Lowest at VND -3,348,502 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (VND MM)
EPS
Lowest at VND -1,460.03
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (VND)
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