ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Viet Nam International Commercial Joint Stock Bank ?
1
High Management Efficiency with a high ROA of 2.09%
2
The Bank has a high Capital Adequacy Ratio of 5,604,814.00% signifying high buffers against its risk based assets
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 18.01%
4
Flat results in Jun 25
- OPERATING CASH FLOW(Y) Lowest at VND 6,089,410 MM
5
With ROA of 1.28%, it has a fair valuation with a 1.35 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 2.99%, its profits have fallen by -1.3%
- At the current price, the company has a high dividend yield of 2.6
6
Underperformed the market in the last 1 year
- The stock has generated a return of 2.99% 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 Viet Nam International 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 Viet Nam International Commercial Joint Stock Bank for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Viet Nam International Commercial Joint Stock Bank
3.26%
-0.34
30.43%
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)
18.29%
EBIT Growth (5y)
15.93%
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
29.35%
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
1.35
EV to EBIT
24.13
EV to EBITDA
23.68
EV to Capital Employed
1.07
EV to Sales
6.55
PEG Ratio
NA
Dividend Yield
2.65%
ROCE (Latest)
4.44%
ROE (Latest)
17.27%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
Bullish
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
NET PROFIT(Q)
Highest at VND 2,076,469 MM
NET SALES(Q)
Highest at VND 8,700,128 MM
OPERATING PROFIT(Q)
Highest at VND 2,474,195 MM
PRE-TAX PROFIT(Q)
Highest at VND 2,595,566 MM
EPS(Q)
Highest at VND 611.41
-2What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at VND 6,089,410 MM
Here's what is working for Viet Nam International Commercial Joint Stock Bank
Net Profit
Highest at VND 2,076,469 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (VND MM)
Net Sales
Highest at VND 8,700,128 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Operating Profit
Highest at VND 2,474,195 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (VND MM)
Pre-Tax Profit
Highest at VND 2,595,566 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (VND MM)
EPS
Highest at VND 611.41
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (VND)
Here's what is not working for Viet Nam International Commercial Joint Stock Bank
Operating Cash Flow
Lowest at VND 6,089,410 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (VND MM)
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