ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Vietnam Joint Stock Commercial Bank for Industry & Trade ?
1
Positive results in Dec 25
- 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 -7.95%, 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 -7.95% 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
-7.95%
0.32
43.88%
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)
8.40%
EBIT Growth (5y)
26.92%
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
9.53%
Pledged Shares
0
Institutional Holding
0.01%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.72
EV to EBIT
30.65
EV to EBITDA
29.66
EV to Capital Employed
1.14
EV to Sales
7.48
PEG Ratio
0.40
Dividend Yield
0.77%
ROCE (Latest)
3.73%
ROE (Latest)
15.58%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend17What is working for the Company
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
NII(Q)
Highest at VND 17,959,696 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 137.63%
OPERATING PROFIT(Q)
Highest at VND 13,823,112 MM
PRE-TAX PROFIT(Q)
Highest at VND 13,911,214 MM
NET PROFIT(Q)
Highest at VND 11,053,113 MM
-5What is not working for the Company
INTEREST(9M)
At VND 59,480,086 MM has Grown at 28.52%
ROCE(HY)
Lowest at 1.34%
EPS(Q)
Lowest at VND 0
Here's what is working for Vietnam Joint Stock Commercial Bank for Industry & Trade
Net Sales
Highest at VND 38,592,005 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (VND MM)
NII
Highest at VND 17,959,696 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (VND MM)
Operating Cash Flow
Highest at VND 172,238,905.14 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (VND MM)
Operating Profit
Highest at VND 13,823,112 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (VND MM)
Pre-Tax Profit
Highest at VND 13,911,214 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (VND MM)
Net Profit
Highest at VND 11,053,113 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
Credit Deposit Ratio
Highest at 137.63%
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 Vietnam Joint Stock Commercial Bank for Industry & Trade
Interest
At VND 59,480,086 MM has Grown at 28.52%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (VND MM)
EPS
Lowest at VND 0
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (VND)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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