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 17.95%, 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, Low Return
Absolute
Risk Adjusted
Volatility
Vietnam Technological & Commercial Joint Stock Bank
6.89%
0.97
32.77%
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)
18.60%
EBIT Growth (5y)
14.63%
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
1.31
EV to EBIT
16.46
EV to EBITDA
15.49
EV to Capital Employed
1.12
EV to Sales
7.41
PEG Ratio
0.52
Dividend Yield
1.58%
ROCE (Latest)
6.79%
ROE (Latest)
14.87%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
NET SALES(Q)
Highest at VND 19,696,947 MM
OPERATING PROFIT(Q)
Highest at VND 8,630,568 MM
CASH AND EQV(HY)
Highest at VND 184,998,651 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 147.49%
-2What is not working for the Company
INTEREST(9M)
At VND 26,226,149 MM has Grown at 35.55%
Here's what is working for Vietnam Technological & Commercial Joint Stock Bank
Net Sales
Highest at VND 19,696,947 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (VND MM)
Operating Profit
Highest at VND 8,630,568 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (VND MM)
Net Sales
At VND 19,696,947 MM has Grown at 15.77%
over average net sales of the previous four periods of VND 17,014,162.75 MMMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Cash and Eqv
Highest at VND 184,998,651 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 147.49%
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 Technological & Commercial Joint Stock Bank
Interest
At VND 26,226,149 MM has Grown at 35.55%
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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