ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Southeast Asia 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 40.24%
2
Positive results in Jun 25
- OPERATING CASH FLOW(Y) Highest at VND 12,057,265 MM
- ROCE(HY) Highest at 2.04%
- NET PROFIT(9M) Higher at VND 5,742,007 MM
3
With ROA of 1.38%, it has a fair valuation with a 1.33 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -0.29%, its profits have risen by 46.8% ; the PEG ratio of the company is 0.3
4
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -0.29% returns in the last 1 year, the stock has also underperformed Vietnam VN Ho Chi Minh Index in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Southeast Asia 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 Southeast Asia Commercial Joint Stock Bank for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Southeast Asia Commercial Joint Stock Bank
-0.57%
-0.33
27.85%
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)
16.09%
EBIT Growth (5y)
12.07%
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
8
Industry P/E
Price to Book Value
1.33
EV to EBIT
30.75
EV to EBITDA
29.71
EV to Capital Employed
1.08
EV to Sales
8.07
PEG Ratio
0.27
Dividend Yield
NA
ROCE (Latest)
3.50%
ROE (Latest)
17.00%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
OPERATING CASH FLOW(Y)
Highest at VND 12,057,265 MM
ROCE(HY)
Highest at 2.04%
NET PROFIT(9M)
Higher at VND 5,742,007 MM
CASH AND EQV(HY)
Highest at VND 10,793,775 MM
NET SALES(Q)
Highest at VND 5,970,273 MM
-5What is not working for the Company
ROCE(HY)
Lowest at 2.04%
PRE-TAX PROFIT(Q)
At VND 1,505,880 MM has Fallen at -32.19%
NET PROFIT(Q)
At VND 1,169,990 MM has Fallen at -31.76%
Here's what is working for Southeast Asia Commercial Joint Stock Bank
Operating Cash Flow
Highest at VND 12,057,265 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (VND MM)
Net Sales
Highest at VND 5,970,273 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Cash and Eqv
Highest at VND 10,793,775 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 Southeast Asia Commercial Joint Stock Bank
Pre-Tax Profit
At VND 1,505,880 MM has Fallen at -32.19%
over average net sales of the previous four periods of VND 2,220,874.75 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (VND MM)
Net Profit
At VND 1,169,990 MM has Fallen at -31.76%
over average net sales of the previous four periods of VND 1,714,480.75 MMMOJO Watch
Near term Net Profit trend is negative
Net Profit (VND MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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