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ACB
BanksNgân hàng Thương mại Cổ phần Á Châu
Ngân hàngNH
23.800
VND · Last close
Valuation Verdict
Overvalued
-120%Fair Value+120%
Intrinsic Value
17.003
Current
23.800
Gap
-28.6%
ModelPB ROE REGRESSION
Valuation Breakdown
NH→Bank
Classified as bank because company type is NH (commercial bank)
ModelP/B x ROE Regression
Intrinsic Value = Fair P/B x Book Value Per ShareEstimates fair value by finding the statistical relationship between how much investors pay for a bank's book value (P/B) and how efficiently it generates returns (ROE). A bank that earns more on its equity deserves a higher price-to-book multiple. We regress P/B against ROE, NIM, and cost efficiency across all listed Vietnamese banks to find where this bank should trade.
1
Model Inputs
Avg ROE→21.75%
Regression type→huber_multifactor
R²→0.6592
2
Valuation
Fair P/B
0.92x
x
BVPS
18.401
=
Intrinsic Value
17.003
Valuation Track Record
Retroactive intrinsic value vs actual close price — ACB
Earnings Quality
Fiscal year 2025
75
Good
Accrual Quality
97Cash Conversion
100Margin Stability
100Revenue Quality
4Quantitative Scores
F-Score
3/9
Weak
Sharpe
0.12
Positive
Composite
58
Fair
Price Risk
Momentum
+11.5%
Volatility
25.8%
Max Drawdown
-26.3%
Key Ratios
Fiscal year 2025
1.29P/B
P/E7.82
ROE17.6%
ROA1.7%
EPS3041.80
BVPS18401.02
Net Margin58.1%
Rev Growth15.4%
Profit Growth-6.9%
Div Yield0.0%
Company Overview
Issued Shares
5136.7M
Charter Capital
51366.6B VND
Sector (ICB L2)
Ngân hàng
Industry (ICB L3)
Ngân hàng
Sub-industry
Ngân hàng
Company Type
NH
// OWNERSHIP_NETWORK
> mapping common ownership for ACB — hover nodes for intel, click to navigate
Computed 12/04/2026