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 67.27%, 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
64.65%
2.86
38.03%
Vietnam VN Ho Chi Minh Index
38.87%
1.90
22.90%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.30%
EBIT Growth (5y)
23.02%
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
20
Industry P/E
Price to Book Value
2.01
EV to EBIT
46.75
EV to EBITDA
41.23
EV to Capital Employed
1.24
EV to Sales
5.47
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
2.65%
ROE (Latest)
9.92%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Bullish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
NET PROFIT(Q)
At VND 4,626,823 MM has Grown at 94.05%
CREDIT DEPOSIT RATIO(HY)
Highest at 123.27%
-13What is not working for the Company
NET PROFIT(HY)
At VND 1,874,361 MM has Grown at -87.05%
OPERATING CASH FLOW(Y)
Lowest at VND 7,646,299.22 MM
INTEREST(9M)
At VND 25,851,120 MM has Grown at 32.96%
Here's what is working for Saigon Thuong Tin Commercial Joint Stock Bank
Net Profit
At VND 4,626,823 MM has Grown at 94.05%
over average net sales of the previous four periods of VND 2,384,297.25 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (VND MM)
Credit Deposit Ratio
Highest at 123.27%
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
Operating Cash Flow
Lowest at VND 7,646,299.22 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)
Interest
At VND 25,851,120 MM has Grown at 32.96%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (VND MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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