ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Vietnam Technological & Commercial Joint Stock Bank ?
1
High Management Efficiency with a high ROA of 2.12%
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
3
Positive results in Dec 25
- OPERATING PROFIT(Q) Highest at VND 8,416,591 MM
- PRE-TAX PROFIT(Q) Highest at VND 9,153,234 MM
- NET PROFIT(Q) Highest at VND 6,675,562 MM
4
With ROA of 1.69%, it has a fair valuation with a 1.82 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 35.09%, its profits have risen by 20%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Vietnam Technological & Commercial Joint Stock 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 Technological & Commercial Joint Stock Bank for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Vietnam Technological & Commercial Joint Stock Bank
-100.0%
1.43
32.55%
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)
19.20%
EBIT Growth (5y)
16.60%
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
32.79%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
1.82
EV to EBIT
20.03
EV to EBITDA
18.94
EV to Capital Employed
1.31
EV to Sales
9.08
PEG Ratio
NA
Dividend Yield
1.23%
ROCE (Latest)
6.54%
ROE (Latest)
13.63%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
OPERATING PROFIT(Q)
Highest at VND 8,416,591 MM
PRE-TAX PROFIT(Q)
Highest at VND 9,153,234 MM
NET PROFIT(Q)
Highest at VND 6,675,562 MM
NII(Q)
Highest at VND 10,789,282 MM
CASH AND EQV(HY)
Highest at VND 168,155,742 MM
NET SALES(Q)
Highest at VND 19,165,547 MM
EPS(Q)
Highest at VND 942.05
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at VND 7,911,308 MM
INTEREST(9M)
At VND 23,217,728 MM has Grown at 25%
Here's what is working for Vietnam Technological & Commercial Joint Stock Bank
Operating Profit
Highest at VND 8,416,591 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (VND MM)
Pre-Tax Profit
Highest at VND 9,153,234 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (VND MM)
Net Profit
Highest at VND 6,675,562 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (VND MM)
NII
Highest at VND 10,789,282 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (VND MM)
Net Sales
Highest at VND 19,165,547 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Net Sales
At VND 19,165,547 MM has Grown at 19.87%
over average net sales of the previous four periods of VND 15,989,033 MMMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
EPS
Highest at VND 942.05
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (VND)
Cash and Eqv
Highest at VND 168,155,742 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 Technological & Commercial Joint Stock Bank
Interest
At VND 23,217,728 MM has Grown at 25%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (VND MM)
Operating Cash Flow
Lowest at VND 7,911,308 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (VND MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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