ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Tien Phong Commercial Joint Stock Bank ?
1
Positive results in Dec 25
- OPERATING CASH FLOW(Y) Highest at VND 6,604,447 MM
- NII(Q) Highest at VND 3,722,627 MM
- CASH AND EQV(HY) Highest at VND 44,383,465 MM
2
With ROA of 1.11%, it has a does not qualify valuation with a 1.33 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 11.49%, its profits have risen by 36% ; the PEG ratio of the company is 0.6
- At the current price, the company has a high dividend yield of 4.3
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Tien Phong 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 Tien Phong Commercial Joint Stock Bank for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Tien Phong Commercial Joint Stock Bank
-100.0%
0.50
36.21%
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)
17.00%
EBIT Growth (5y)
12.49%
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
43.51%
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
26.70
EV to EBITDA
25.39
EV to Capital Employed
1.08
EV to Sales
6.78
PEG Ratio
0.63
Dividend Yield
4.33%
ROCE (Latest)
4.03%
ROE (Latest)
15.88%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
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 Trend16What is working for the Company
OPERATING CASH FLOW(Y)
Highest at VND 6,604,447 MM
NII(Q)
Highest at VND 3,722,627 MM
CASH AND EQV(HY)
Highest at VND 44,383,465 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 147.04%
NET SALES(Q)
Highest at VND 8,957,804 MM
OPERATING PROFIT(Q)
Highest at VND 3,157,287 MM
OPERATING PROFIT MARGIN(Q)
Highest at 35.25 %
PRE-TAX PROFIT(Q)
Highest at VND 3,155,047 MM
NET PROFIT(Q)
Highest at VND 2,542,761 MM
-3What is not working for the Company
INTEREST(9M)
At VND 13,961,356 MM has Grown at 40.51%
EPS(Q)
Lowest at VND 0
Here's what is working for Tien Phong Commercial Joint Stock Bank
NII
Highest at VND 3,722,627 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (VND MM)
Operating Cash Flow
Highest at VND 6,604,447 MM
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 8,957,804 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Net Sales
At VND 8,957,804 MM has Grown at 30.6%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Operating Profit
Highest at VND 3,157,287 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (VND MM)
Operating Profit Margin
Highest at 35.25 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at VND 3,155,047 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (VND MM)
Net Profit
Highest at VND 2,542,761 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
Cash and Eqv
Highest at VND 44,383,465 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 147.04%
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 Tien Phong Commercial Joint Stock Bank
Interest
At VND 13,961,356 MM has Grown at 40.51%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (VND MM)
EPS
Lowest at VND 0
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (VND)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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