ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Saigon Thuong Tin 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 38.00%
2
Positive results in Jun 25
- NET PROFIT(HY) At VND 11,589,541 MM has Grown at 41.65%
- ROCE(HY) Highest at 2.07%
- NET SALES(Q) Highest at VND 13,867,397 MM
3
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 36.70%, its profits have risen by 31% ; the PEG ratio of the company is 0.4
4
Consistent Returns over the last 3 years
- Along with generating 36.70% returns in the last 1 year, the stock has outperformed Vietnam VN Ho Chi Minh Index in each of the last 3 annual periods
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Saigon Thuong Tin 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
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
36.09%
1.44
33.17%
Vietnam VN Ho Chi Minh Index
29.95%
1.61
21.07%
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
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 Bearish
Mildly Bearish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
NET PROFIT(HY)
At VND 11,589,541 MM has Grown at 41.65%
ROCE(HY)
Highest at 2.07%
NET SALES(Q)
Highest at VND 13,867,397 MM
CASH AND EQV(HY)
Highest at VND 49,789,924 MM
-5What is not working for the Company
NET PROFIT(Q)
At VND 716,759 MM has Fallen at -81.25%
ROCE(HY)
Lowest at 2.07%
Here's what is working for Saigon Thuong Tin Commercial Joint Stock Bank
Net Sales
Highest at VND 13,867,397 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (VND MM)
Cash and Eqv
Highest at VND 49,789,924 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Saigon Thuong Tin Commercial Joint Stock Bank
Net Profit
At VND 716,759 MM has Fallen at -81.25%
over average net sales of the previous four periods of VND 3,822,288.75 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (VND MM)
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