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CTG
BanksNgân hàng Thương mại Cổ phần Công thương Việt Nam
Ngân hàngNH
34.800
VND · Last close
Valuation Verdict
Undervalued
-120%Fair Value+120%
Intrinsic Value
38.083
Current
34.800
Gap
+9.4%
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→18.57%
Regression type→soe_peer_median_tilt
R²→0.0000
Fallback→Peer median
2
Valuation
Fair P/B
1.66x
x
BVPS
22.974
=
Intrinsic Value
38.083
Valuation Track Record
Retroactive intrinsic value vs actual close price — CTG
Earnings Quality
Fiscal year 2025
68
Fair
Accrual Quality
95Cash Conversion
100Margin Stability
77Revenue Quality
0Quantitative Scores
F-Score
4/9
Neutral
Sharpe
1.00
Positive
Composite
70
Fair
Price Risk
Momentum
+43.8%
Volatility
29.7%
Max Drawdown
-20.8%
Key Ratios
Fiscal year 2025
1.51P/B
P/E7.81
ROE21.2%
ROA1.4%
EPS4453.57
BVPS22973.61
Net Margin52.1%
Rev Growth15.0%
Profit Growth36.5%
Div Yield0.0%
Company Overview
Issued Shares
7766.9M
Charter Capital
77669.4B VND
Sector (ICB L2)
Ngân hàng
Industry (ICB L3)
Ngân hàng
Sub-industry
Ngân hàng
Company Type
NH
// OWNERSHIP_NETWORK
> mapping common ownership for CTG — hover nodes for intel, click to navigate
Computed 12/04/2026