Joint Stock Commercial Bank for Foreign Trade of Vietnam Website

Joint Stock Commercial Bank for Foreign Trade of Vietnam

HOSE-VCB

Basic

  • Market Cap

    ₫489.05T

  • 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

    ₫102,061.49

  • 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

    6.76%

  • EBITDA Fwd 2Yr

  • EPS Fwd 2Yr

    5.38%

  • 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%

Select a metric from the list below to chart it

Dec '14

Dec '15

Dec '16

Dec '17

Dec '18

Dec '19

Dec '20

Dec '21

Dec '22

Dec '23

LTM

Dec '24 (E)

Dec '25 (E)

Dec '26 (E)

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%