ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Vietnam Export Import Commercial Joint Stock Bank ?
1
The company has declared negative results in Jan 70 after 2 consecutive negative quarters
- OPERATING CASH FLOW(Y) Lowest at VND 1,694,358 MM
- INTEREST(9M) At VND 7,292,843 MM has Grown at 32.76%
- OPERATING PROFIT(Q) Lowest at VND -522,761 MM
2
With ROA of 1.01%, it has a fair valuation with a 1.84 Price to Book Value
- Over the past year, while the stock has generated a return of 19.80%, its profits have risen by 54% ; the PEG ratio of the company is 0.3
3
Underperformed the market in the last 1 year
- The stock has generated a return of 19.80% in the last 1 year, much lower than market (Vietnam VN Ho Chi Minh Index) returns of 43.59%
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Vietnam Export Import Commercial Joint Stock Bank for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Vietnam Export Import Commercial Joint Stock Bank
19.8%
0.76
42.91%
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)
3.20%
EBIT Growth (5y)
41.97%
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
14
Industry P/E
Price to Book Value
1.84
EV to EBIT
24.36
EV to EBITDA
22.85
EV to Capital Employed
1.32
EV to Sales
6.93
PEG Ratio
0.33
Dividend Yield
NA
ROCE (Latest)
5.40%
ROE (Latest)
12.76%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
NII(Q)
Highest at VND 1,691,347 MM
CASH AND EQV(HY)
Highest at VND 16,383,038 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 127.78%
NET SALES(Q)
Highest at VND 4,189,280 MM
-27What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at VND 1,694,358 MM
INTEREST(9M)
At VND 7,292,843 MM has Grown at 32.76%
OPERATING PROFIT(Q)
Lowest at VND -522,761 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -12.48 %
PRE-TAX PROFIT(Q)
Lowest at VND -536,822 MM
NET PROFIT(Q)
Lowest at VND -472,482 MM
EPS(Q)
Lowest at VND -253.65
Here's what is working for Vietnam Export Import Commercial Joint Stock Bank
NII
Highest at VND 1,691,347 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (VND MM)
Net Sales
Highest at VND 4,189,280 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Cash and Eqv
Highest at VND 16,383,038 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 127.78%
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 (%)
Depreciation
Highest at VND 74,795 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (VND MM)
Here's what is not working for Vietnam Export Import Commercial Joint Stock Bank
Pre-Tax Profit
At VND -536,822 MM has Fallen at -155.64%
over average net sales of the previous four periods of VND 964,770.75 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (VND MM)
Net Profit
At VND -472,482 MM has Fallen at -162.07%
over average net sales of the previous four periods of VND 761,231.25 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (VND MM)
Operating Profit
Lowest at VND -522,761 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite negative
Operating Profit (VND MM)
Operating Profit Margin
Lowest at -12.48 % and Fallen
In each period in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at VND -536,822 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (VND MM)
Net Profit
Lowest at VND -472,482 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very negative
Net Profit (VND MM)
Interest
At VND 7,292,843 MM has Grown at 32.76%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (VND MM)
Operating Cash Flow
Lowest at VND 1,694,358 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (VND MM)
EPS
Lowest at VND -253.65
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (VND)
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