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
51.67%
1.21
41.12%
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)
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
0
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
19.86
EV to EBITDA
19.51
EV to Capital Employed
1.08
EV to Sales
5.90
PEG Ratio
0.17
Dividend Yield
1.59%
ROCE (Latest)
5.43%
ROE (Latest)
14.29%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend22What is working for the Company
NII(Q)
Highest at VND 16,991,253 MM
OPERATING CASH FLOW(Y)
Highest at VND 60,592,182 MM
NET PROFIT(HY)
At VND 14,154,829.77 MM has Grown at 66.3%
ROCE(HY)
Highest at 2.22%
NET SALES(Q)
Highest at VND 31,580,219 MM
CASH AND EQV(HY)
Highest at VND 35,227,139 MM
-5What is not working for the Company
INTEREST(9M)
At VND 38,378,720 MM has Grown at 56.72%
ROCE(HY)
Lowest at 2.22%
Here's what is working for Vietnam Prosperity Joint-Stock Commercial Bank
NII
Highest at VND 16,991,253 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 31,580,219 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (VND MM)
Net Profit
At VND 14,154,829.77 MM has Grown at 66.3%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
Operating Cash Flow
Highest at VND 60,592,182 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (VND MM)
Net Sales
At VND 31,580,219 MM has Grown at 24.74%
over average net sales of the previous four periods of VND 25,316,835.25 MMMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Cash and Eqv
Highest at VND 35,227,139 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Vietnam Prosperity Joint-Stock Commercial Bank
Interest
At VND 38,378,720 MM has Grown at 56.72%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (VND MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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