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 Jun 25
- OPERATING CASH FLOW(Y) Highest at VND 58,668,149 MM
- CASH AND EQV(HY) Highest at VND 118,641,031 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 145.15%
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 32.51%, its profits have risen by 20%
Real-Time Research ReportHow much should you hold?
- 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?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Vietnam Technological & Commercial Joint Stock Bank
31.96%
0.99
31.19%
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)
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
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
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
OPERATING CASH FLOW(Y)
Highest at VND 58,668,149 MM
CASH AND EQV(HY)
Highest at VND 118,641,031 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 145.15%
NET SALES(Q)
Highest at VND 16,335,125 MM
OPERATING PROFIT(Q)
Highest at VND 7,261,088 MM
PRE-TAX PROFIT(Q)
Highest at VND 7,898,588 MM
NET PROFIT(Q)
Highest at VND 6,247,364 MM
EPS(Q)
Highest at VND 884.29
-2What is not working for the Company
GROSS NPA (%)
(Q
Here's what is working for Vietnam Technological & Commercial Joint Stock Bank
Operating Cash Flow
Highest at VND 58,668,149 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 16,335,125 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (VND MM)
Operating Profit
Highest at VND 7,261,088 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (VND MM)
Pre-Tax Profit
Highest at VND 7,898,588 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 6,247,364 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (VND MM)
EPS
Highest at VND 884.29
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (VND)
Cash and Eqv
Highest at VND 118,641,031 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 145.15%
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 (%)
Depreciation
Highest at VND 461,646 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (VND MM)
Here's what is not working for Vietnam Technological & Commercial Joint Stock Bank
Non Performing Loans (%)
Highest at 1.13%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
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