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SHB
BanksNgân hàng Thương mại Cổ phần Sài Gòn – Hà Nội
Ngân hàngNH
15.400
VND · Last close
Valuation Verdict
Undervalued
-120%Fair Value+120%
Intrinsic Value
18.384
Current
15.400
Gap
+19.4%
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→17.24%
Regression type→huber_multifactor
R²→0.6592
2
Valuation
Fair P/B
1.24x
x
BVPS
14.800
=
Intrinsic Value
18.384
Valuation Track Record
Retroactive intrinsic value vs actual close price — SHB
Earnings Quality
Fiscal year 2025
64
Fair
Accrual Quality
91Cash Conversion
100Margin Stability
63Revenue Quality
0Quantitative Scores
F-Score
4/9
Neutral
Sharpe
1.57
Excellent
Composite
72
Strong
Price Risk
Momentum
+93.5%
Volatility
26.1%
Max Drawdown
-19.9%
Key Ratios
Fiscal year 2025
1.04P/B
P/E5.89
ROE19.1%
ROA1.5%
EPS2614.15
BVPS14800.34
Net Margin59.4%
Rev Growth13.6%
Profit Growth28.8%
Div Yield0.0%
Company Overview
Issued Shares
4594.2M
Charter Capital
45942.0B VND
Sector (ICB L2)
Ngân hàng
Industry (ICB L3)
Ngân hàng
Sub-industry
Ngân hàng
Company Type
NH
// OWNERSHIP_NETWORK
> mapping common ownership for SHB — hover nodes for intel, click to navigate
Computed 12/04/2026