ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Tien Phong Commercial Joint Stock Bank ?
1
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- The company has declared positive results for the last 2 consecutive quarters
- 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 11.20%, 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 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
24.59%
0.32
36.49%
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)
15.80%
EBIT Growth (5y)
16.78%
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
6
Industry P/E
Price to Book Value
1.11
EV to EBIT
22.28
EV to EBITDA
21.43
EV to Capital Employed
1.02
EV to Sales
6.39
PEG Ratio
0.40
Dividend Yield
4.96%
ROCE (Latest)
4.59%
ROE (Latest)
17.45%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NET SALES(Q)
Highest at VND 9,308,076 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 159.7%
-6What is not working for the Company
INTEREST(9M)
At VND 15,577,873 MM has Grown at 50.39%
OPERATING CASH FLOW(Y)
Lowest at VND 1,007,272 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 19.61 %
Here's what is working for Tien Phong Commercial Joint Stock Bank
Net Sales
Highest at VND 9,308,076 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (VND MM)
Net Sales
At VND 9,308,076 MM has Grown at 36.85%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Credit Deposit Ratio
Highest at 159.7%
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 15,577,873 MM has Grown at 50.39%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (VND MM)
Operating Cash Flow
Lowest at VND 1,007,272 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (VND MM)
Operating Profit Margin
Lowest at 19.61 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
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