ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Tien Phong Commercial Joint Stock Bank ?
1
Flat results in Jun 25
- NO KEY NEGATIVE TRIGGERS
2
Underperformed the market in the last 1 year
- The stock has generated a return of 5.32% in the last 1 year, much lower than market (Vietnam VN Ho Chi Minh Index) returns of 33.89%
Real-Time Research ReportHow much should you hold?
- 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
5.0%
0.20
34.98%
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)
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
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
OPERATING CASH FLOW(Y)
Highest at VND 5,904,631 MM
NET PROFIT(9M)
Higher at VND 4,834,826.37 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 139.97%
NET SALES(Q)
Highest at VND 7,383,353 MM
OPERATING PROFIT(Q)
Highest at VND 1,926,290 MM
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Tien Phong Commercial Joint Stock Bank
Operating Cash Flow
Highest at VND 5,904,631 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 Profit
At VND 4,834,826.37 MM has Grown at 48.72%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
Net Sales
Highest at VND 7,383,353 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Operating Profit
Highest at VND 1,926,290 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (VND MM)
Credit Deposit Ratio
Highest at 139.97%
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 (%)
Net Profit
Higher at VND 4,834,826.37 MM
than preceding 12 month period ended Jun 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (VND MM)
Depreciation
Highest at VND 114,501 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (VND MM)
Depreciation
At VND 114,501 MM has Grown at 112.82%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (VND MM)
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