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TIN
BanksCông ty Tài chính tổng hợp cổ phần Tín Việt
Dịch vụ tài chínhNH
129.000
VND · Last close
Valuation Verdict
Overvalued
-120%Fair Value+120%
Intrinsic Value
109.802
Current
129.000
Gap
-14.9%
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→1.92%
Regression type→huber_multifactor
R²→0.6592
2
Valuation
Fair P/B
5.01x
x
BVPS
21.922
=
Intrinsic Value
109.802
Valuation Track Record
Retroactive intrinsic value vs actual close price — TIN
Earnings Quality
Fiscal year 2025
46
Weak
Accrual Quality
99Cash Conversion
89Margin Stability
0Revenue Quality
0Quantitative Scores
F-Score
4/9
Neutral
Sharpe
3.21
Excellent
Composite
57
Fair
Price Risk
Momentum
+391.7%
Volatility
74.3%
Max Drawdown
-17.8%
Key Ratios
Fiscal year 2025
5.83P/B
P/E10.87
ROE73.3%
ROA8.3%
EPS11764.14
BVPS21922.13
Net Margin32.5%
Rev Growth254.6%
Profit Growth789.1%
Div Yield0.0%
Company Overview
Issued Shares
91.2M
Charter Capital
911.8B VND
Sector (ICB L2)
Dịch vụ tài chính
Industry (ICB L3)
Dịch vụ tài chính
Sub-industry
Quản lý tài sản
Company Type
NH
// OWNERSHIP_NETWORK
> mapping common ownership for TIN — hover nodes for intel, click to navigate
Computed 12/04/2026