ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Vietnam Joint Stock Commercial Bank for Industry & Trade ?
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 172,238,905.14 MM
- ROCE(HY) Highest at 1.34%
- NET SALES(Q) Highest at VND 38,592,005 MM
2
With ROA of 0.70%, it has a attractive valuation with a 1.72 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 -12.14%, its profits have risen by 27% ; the PEG ratio of the company is 0.4
3
Majority shareholders : FIIs
4
Below par performance in long term as well as near term
- Along with generating -12.14% returns in the last 1 year, the stock has also underperformed Vietnam VN Ho Chi Minh Index in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Vietnam Joint Stock Commercial Bank for Industry & Trade should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Vietnam Joint Stock Commercial Bank for Industry & Trade for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Vietnam Joint Stock Commercial Bank for Industry & Trade
-100.0%
0.18
44.10%
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)
11.30%
EBIT Growth (5y)
24.54%
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
0.01%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
1.55
EV to EBIT
23.25
EV to EBITDA
22.63
EV to Capital Employed
1.11
EV to Sales
6.76
PEG Ratio
NA
Dividend Yield
0.80%
ROCE (Latest)
4.79%
ROE (Latest)
19.39%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
NII(Q)
Highest at VND 19,411,544 MM
NET PROFIT(9M)
At VND 28,432,700 MM has Grown at 39.08%
ROCE(HY)
Highest at 1.41%
NET SALES(Q)
Highest at VND 41,698,913 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at VND 21,207,818 MM
INTEREST(9M)
At VND 62,733,668 MM has Grown at 28.84%
ROCE(HY)
Lowest at 1.41%
Here's what is working for Vietnam Joint Stock Commercial Bank for Industry & Trade
NII
Highest at VND 19,411,544 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at VND 41,698,913 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (VND MM)
Credit Deposit Ratio
Highest at 0% and Grown
In each half year 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
At VND 28,432,700 MM has Grown at 39.08%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
Net Sales
At VND 41,698,913 MM has Grown at 16.47%
over average net sales of the previous four periods of VND 35,803,420 MMMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Here's what is not working for Vietnam Joint Stock Commercial Bank for Industry & Trade
Interest
At VND 62,733,668 MM has Grown at 28.84%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (VND MM)
Operating Cash Flow
Lowest at VND 21,207,818 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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