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EIB
BanksNgân hàng Thương mại Cổ phần Xuất nhập khẩu Việt Nam
Ngân hàngNH
22.750
VND · Last close
Valuation Verdict
Overvalued
-120%Fair Value+120%
Intrinsic Value
11.652
Current
22.750
Gap
-48.8%
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→10.09%
Regression type→huber_multifactor
R²→0.6592
2
Valuation
Fair P/B
0.84x
x
BVPS
13.916
=
Intrinsic Value
11.652
Valuation Track Record
Retroactive intrinsic value vs actual close price — EIB
Earnings Quality
Fiscal year 2025
52
Fair
Accrual Quality
88Cash Conversion
100Margin Stability
19Revenue Quality
0Quantitative Scores
F-Score
3/9
Weak
Sharpe
0.34
Positive
Composite
45
Weak
Price Risk
Momentum
+18.6%
Volatility
41.0%
Max Drawdown
-35.7%
Key Ratios
Fiscal year 2025
1.66P/B
P/E37.97
ROE4.4%
ROA0.4%
EPS608.38
BVPS13915.99
Net Margin19.0%
Rev Growth17.3%
Profit Growth-65.8%
Div Yield0.0%
Company Overview
Issued Shares
1868.8M
Charter Capital
18688.1B VND
Sector (ICB L2)
Ngân hàng
Industry (ICB L3)
Ngân hàng
Sub-industry
Ngân hàng
Company Type
NH
// OWNERSHIP_NETWORK
> mapping common ownership for EIB — hover nodes for intel, click to navigate
Computed 12/04/2026