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 Jun 25
- The company has declared positive results for the last 5 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at VND 52,817,864 MM
- NII(Q) Highest at VND 13,460,649 MM
- CASH AND EQV(HY) Highest at VND 29,587,513 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 37.92%, 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, High Return
Absolute
Risk Adjusted
Volatility
Vietnam Prosperity Joint-Stock Commercial Bank
37.56%
1.22
38.53%
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)
9.90%
EBIT Growth (5y)
15.29%
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
25.14%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
1.65
EV to EBIT
32.10
EV to EBITDA
31.28
EV to Capital Employed
1.19
EV to Sales
7.81
PEG Ratio
0.28
Dividend Yield
1.32%
ROCE (Latest)
3.71%
ROE (Latest)
10.25%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
OPERATING CASH FLOW(Y)
Highest at VND 52,817,864 MM
NII(Q)
Highest at VND 13,460,649 MM
CASH AND EQV(HY)
Highest at VND 29,587,513 MM
NET SALES(Q)
Highest at VND 23,438,605 MM
OPERATING PROFIT(Q)
Highest at VND 6,196,292 MM
PRE-TAX PROFIT(Q)
Highest at VND 6,214,474 MM
NET PROFIT(Q)
Highest at VND 4,862,359.48 MM
EPS(Q)
Highest at VND 612.86
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Vietnam Prosperity Joint-Stock Commercial Bank
Operating Cash Flow
Highest at VND 52,817,864 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)
NII
Highest at VND 13,460,649 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (VND MM)
Net Sales
Highest at VND 23,438,605 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Operating Profit
Highest at VND 6,196,292 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (VND MM)
Pre-Tax Profit
Highest at VND 6,214,474 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 4,862,359.48 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
EPS
Highest at VND 612.86
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (VND)
Cash and Eqv
Highest at VND 29,587,513 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
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