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NAB
BanksNgân hàng Thương mại Cổ phần Nam Á
Ngân hàngNH
13.200
VND · Last close
Valuation Verdict
Undervalued
-120%Fair Value+120%
Intrinsic Value
14.554
Current
13.200
Gap
+10.3%
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→19.58%
Regression type→huber_multifactor
R²→0.6592
2
Valuation
Fair P/B
1.07x
x
BVPS
13.657
=
Intrinsic Value
14.554
Valuation Track Record
Retroactive intrinsic value vs actual close price — NAB
Earnings Quality
Fiscal year 2025
60
Fair
Accrual Quality
27Cash Conversion
100Margin Stability
99Revenue Quality
0Quantitative Scores
F-Score
3/9
Weak
Sharpe
-0.09
Negative
Composite
56
Fair
Price Risk
Momentum
+7.6%
Volatility
17.6%
Max Drawdown
-17.6%
Key Ratios
Fiscal year 2025
1.03P/B
P/E5.76
ROE19.6%
ROA1.3%
EPS2437.64
BVPS13656.79
Net Margin48.5%
Rev Growth28.4%
Profit Growth15.9%
Div Yield0.0%
Company Overview
Issued Shares
1715.7M
Charter Capital
17156.9B VND
Sector (ICB L2)
Ngân hàng
Industry (ICB L3)
Ngân hàng
Sub-industry
Ngân hàng
Company Type
NH
// OWNERSHIP_NETWORK
> mapping common ownership for NAB — hover nodes for intel, click to navigate
Computed 12/04/2026