ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Vietnam Joint Stock Commercial Bank for Industry & Trade ?
1
Positive results in Jun 25
- ROCE(HY) Highest at 1.26%
- NET SALES(Q) Highest at VND 34,913,905 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 135.37%
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 36.18%, its profits have risen by 27% ; the PEG ratio of the company is 0.4
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?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Vietnam Joint Stock Commercial Bank for Industry & Trade
36.36%
1.66
28.75%
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)
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
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
ROCE(HY)
Highest at 1.26%
NET SALES(Q)
Highest at VND 34,913,905 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 135.37%
PRE-TAX PROFIT(Q)
At VND 12,097,152 MM has Grown at 49.45%
NET PROFIT(Q)
At VND 9,669,885 MM has Grown at 49.87%
-3What is not working for the Company
ROCE(HY)
Lowest at 1.26%
CASH AND EQV(HY)
Lowest at VND 49,716,095 MM
Here's what is working for Vietnam Joint Stock Commercial Bank for Industry & Trade
Net Sales
Highest at VND 34,913,905 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (VND MM)
Pre-Tax Profit
At VND 12,097,152 MM has Grown at 49.45%
over average net sales of the previous four periods of VND 8,094,210.25 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (VND MM)
Net Profit
At VND 9,669,885 MM has Grown at 49.87%
over average net sales of the previous four periods of VND 6,452,070 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
Credit Deposit Ratio
Highest at 135.37%
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
Cash and Eqv
Lowest at VND 49,716,095 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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