Joint Stock Commercial Bank for Foreign Trade of Vietnam

HOSE-VCB

Basic

Market Cap
₫487.93T
EV
—
Shares Out
5,589.09M
Revenue
₫62.41T
Employees
23,681

Margins

Gross
—
EBITDA
—
Operating
—
Pre-Tax
65.28%
Net
52.28%
FCF
-212.08%

Returns (5Yr Avg)

ROA
1.71%
ROTA
23.27%
ROE
22.67%
ROCE
—
ROIC
2.26%

Valuation (TTM)

P/E
—
P/B
—
EV/Sales
—
EV/EBITDA
—
P/FCF
—
EV/Gross Profit
—

Valuation (NTM)

Price Target
₫103,579.67
P/E
—
PEG
—
EV/Sales
—
EV/EBITDA
—
P/FCF
—

Financial Health

Cash
—
Net Debt
-₫268.2T
Debt/Equity
—
EBIT/Interest
—

Growth (CAGR)

Rev 3Yr
13.78%
Rev 5Yr
13.13%
Rev 10Yr
—
Dil EPS 3Yr
17.04%
Dil EPS 5Yr
17.37%
Dil EPS 10Yr
22.86%
Rev Fwd 2Yr
13.39%
EBITDA Fwd 2Yr
—
EPS Fwd 2Yr
12.81%
EPS LT Growth Est
19.48%

Dividends

Yield
—
Payout
—
DPS
—
DPS Growth 3Yr
—
DPS Growth 5Yr
—
DPS Growth 10Yr
—
DPS Growth Fwd 2Yr
-14.8%

Metric	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	LTM
Interest Income On Loans					67,665,496	69,205,134	70,621,957	88,112,700	108,122,278	104,452,068
Interest Income, Total					67,665,496	69,205,134	70,621,957	88,112,700	108,122,278	104,452,068
Interest On Deposits					33,127,768	32,919,659	28,349,385	34,866,222	54,501,409	50,956,089
Interest Expense, Total					33,127,768	32,919,659	28,349,385	34,866,222	54,501,409	50,956,089
Net Interest Income					34,537,728	36,285,475	42,272,572	53,246,478	53,620,869	53,495,979
Income From Trading Activities					153,022	1,712	52,430	-33,599	124,217	117,141
Gain (Loss) on Sale of Invest. & Securities					40,176	335,274	3,927	26,583	-24,426	-24,426
Income (Loss) on Equity Invest.					42,336	42,152	31,930	21,613	131,053	134,897
Total Other Non Interest Income					10,912,127	12,397,928	14,269,107	14,778,747	13,847,323	12,738,669
Non Interest Income, Total					11,147,661	12,777,066	14,357,394	14,793,344	14,078,167	12,966,281
Revenues Before Provison For Loan Losses					45,685,389	49,062,541	56,629,966	68,039,822	67,699,036	66,462,260
Provision For Loan Losses					6,607,278	9,974,730	11,478,198	9,464,218	4,564,876	4,051,510
Total Revenues					39,078,111	39,087,811	45,151,768	58,575,604	63,134,160	62,410,750
Total Revenues % Chg.					22.7%	0%	15.5%	29.7%	7.8%	3%
Salaries And Other Employee Benefits					8,668,273	8,603,051	9,586,008	10,704,534	11,718,438	11,795,562
Occupancy Expense					2,701,784	2,902,528	3,463,858	4,017,315	3,455,613	3,439,201
Federal Deposit Insurance					578,981	631,788	711,257	802,452	880,742	905,672
Selling General & Admin Expenses, Total	—	—	—	—	—	3,603,531	3,490,020	5,226,349	5,284,175	4,976,599
Total Other Non Interest Expense					3,917,502	297,352	414,782	456,863	551,505	553,134
Non Interest Expense, Total					15,866,540	16,038,250	17,665,925	21,207,513	21,890,473	21,670,168
EBT, Excl. Unusual Items					23,211,571	23,049,561	27,485,843	37,368,091	41,243,687	40,740,582
EBT, Incl. Unusual Items					23,211,571	23,049,561	27,485,843	37,368,091	41,243,687	40,740,582
Income Tax Expense					4,614,227	4,577,043	5,469,010	7,449,037	8,189,239	8,092,042
Earnings From Continuing Operations					18,597,344	18,472,518	22,016,833	29,919,054	33,054,448	32,648,540
Minority Interest					-15,090	-21,207	-20,232	-20,040	-21,245	-21,776
Net Income					18,582,254	18,451,311	21,996,601	29,899,014	33,033,203	32,626,764
Preferred Dividend and Other Adjustments					2,276,180	2,423,361	2,299,162	3,344,476	2,575,897	2,575,897
Net Income to Common Incl Extra Items					16,306,074	16,027,950	19,697,439	26,554,538	30,457,306	30,050,867
Net Income to Common Excl. Extra Items					16,306,074	16,027,950	19,697,439	26,554,538	30,457,306	30,050,867
Total Shares Outstanding					5,589.1	5,589.1	5,589.1	5,589.1	5,589.1	5,589.1
Weighted Avg. Shares Outstanding					5,576.7	5,589.1	5,589.1	5,589.1	5,589.1	5,589.1
Weighted Avg. Shares Outstanding Dil					5,576.7	5,589.1	5,589.1	5,589.1	5,589.1	5,589.1
EPS					2,923.9	2,867.7	3,524.3	4,751.1	5,449.4	5,376.7
EPS Diluted					2,923.9	2,867.7	3,524.3	4,751.1	5,449.4	5,376.7
Effective Tax Rate					19.9%	19.9%	19.9%	19.9%	19.9%	19.9%