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NVB
BanksNgân hàng Thương mại Cổ phần Quốc Dân
Ngân hàngNH
10.900
VND · Last close
Valuation Verdict
Overvalued
-120%Fair Value+120%
Intrinsic Value
9.679
Current
10.900
Gap
-11.2%
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→-12.33%
Regression type→huber_multifactor
R²→0.6592
2
Valuation
Fair P/B
1.37x
x
BVPS
7.050
=
Intrinsic Value
9.679
Valuation Track Record
Retroactive intrinsic value vs actual close price — NVB
Earnings Quality
Fiscal year 2025
49
Weak
Accrual Quality
95Cash Conversion
100Margin Stability
0Revenue Quality
0Quantitative Scores
F-Score
4/9
Neutral
Sharpe
0.06
Positive
Composite
51
Fair
Price Risk
Momentum
+23.6%
Volatility
22.0%
Max Drawdown
-35.7%
Key Ratios
Fiscal year 2025
1.74P/B
P/E304028.37
ROE0.0%
ROA0.0%
EPS0.04
BVPS7050.33
Net Margin0.0%
Rev Growth199.7%
Profit Growth100.0%
Div Yield0.0%
Company Overview
Issued Shares
1928.0M
Charter Capital
19279.8B VND
Sector (ICB L2)
Ngân hàng
Industry (ICB L3)
Ngân hàng
Sub-industry
Ngân hàng
Company Type
NH
// OWNERSHIP_NETWORK
> mapping common ownership for NVB — hover nodes for intel, click to navigate
Computed 12/04/2026