ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Vietnam Prosperity Joint-Stock Commercial Bank ?
1
High Profitability with a Net Interest Margin of 11.51%
2
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 5 consecutive quarters
- NII(Q) Highest at VND 16,769,186 MM
- ROCE(HY) Highest at 2.2%
- NET SALES(Q) Highest at VND 29,454,350 MM
3
With ROA of 1.14%, it has a very attractive valuation with a 1.65 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 42.11%, its profits have risen by 58% ; the PEG ratio of the company is 0.3
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Vietnam Prosperity Joint-Stock Commercial 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 Vietnam Prosperity Joint-Stock Commercial Bank for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Vietnam Prosperity Joint-Stock Commercial Bank
13.68%
1.21
41.12%
Vietnam VN Ho Chi Minh Index
16.45%
1.90
22.90%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
14.10%
EBIT Growth (5y)
18.77%
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
16.54%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
1.26
EV to EBIT
21.69
EV to EBITDA
21.30
EV to Capital Employed
1.08
EV to Sales
6.44
PEG Ratio
0.18
Dividend Yield
1.53%
ROCE (Latest)
4.96%
ROE (Latest)
13.78%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend30What is working for the Company
OPERATING CASH FLOW(Y)
Highest at VND 35,926,923 MM
NII(Q)
Highest at VND 18,004,326 MM
ROCE(HY)
Highest at 2.29%
NET SALES(Q)
Highest at VND 36,397,799 MM
CASH AND EQV(HY)
Highest at VND 34,859,113 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 185.77%
OPERATING PROFIT(Q)
Highest at VND 10,855,887 MM
PRE-TAX PROFIT(Q)
Highest at VND 10,959,088 MM
NET PROFIT(Q)
Highest at VND 8,384,557.13 MM
EPS(Q)
Highest at VND 1,056.81
-5What is not working for the Company
INTEREST(9M)
At VND 45,667,603 MM has Grown at 69.05%
ROCE(HY)
Lowest at 2.29%
Here's what is working for Vietnam Prosperity Joint-Stock Commercial Bank
NII
Highest at VND 18,004,326 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at VND 35,926,923 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (VND MM)
Net Sales
Highest at VND 36,397,799 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (VND MM)
Net Sales
At VND 36,397,799 MM has Grown at 31.56%
over average net sales of the previous four periods of VND 27,665,816.25 MMMOJO Watch
Near term sales trend is very positive
Net Sales (VND MM)
Operating Profit
Highest at VND 10,855,887 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (VND MM)
Pre-Tax Profit
Highest at VND 10,959,088 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 8,384,557.13 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
EPS
Highest at VND 1,056.81
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (VND)
Cash and Eqv
Highest at VND 34,859,113 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 185.77%
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 Prosperity Joint-Stock Commercial Bank
Interest
At VND 45,667,603 MM has Grown at 69.05%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (VND MM)
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