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PGB
BanksNgân hàng Thương mại Cổ phần Thịnh vượng và Phát triển
Ngân hàngNH
11.800
VND · Last close
Valuation Verdict
Undervalued
-120%Fair Value+120%
Intrinsic Value
13.913
Current
11.800
Gap
+17.9%
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→6.78%
Regression type→huber_multifactor
R²→0.6592
2
Valuation
Fair P/B
1.16x
x
BVPS
11.962
=
Intrinsic Value
13.913
Valuation Track Record
Retroactive intrinsic value vs actual close price — PGB
Earnings Quality
Fiscal year 2025
70
Good
Accrual Quality
91Cash Conversion
100Margin Stability
62Revenue Quality
26Quantitative Scores
F-Score
4/9
Neutral
Sharpe
0.10
Positive
Composite
66
Fair
Price Risk
Momentum
+15.8%
Volatility
29.8%
Max Drawdown
-15.0%
Key Ratios
Fiscal year 2025
1.00P/B
P/E10.73
ROE10.5%
ROA0.8%
EPS1117.56
BVPS11961.98
Net Margin31.2%
Rev Growth35.3%
Profit Growth80.9%
Div Yield0.0%
Company Overview
Issued Shares
681.6M
Charter Capital
6815.9B VND
Sector (ICB L2)
Ngân hàng
Industry (ICB L3)
Ngân hàng
Sub-industry
Ngân hàng
Company Type
NH
// OWNERSHIP_NETWORK
> mapping common ownership for PGB — hover nodes for intel, click to navigate
Computed 12/04/2026