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VAB
BanksNgân hàng Thương mại Cổ phần Việt Á
Ngân hàngNH
10.100
VND · Last close
Valuation Verdict
Undervalued
-120%Fair Value+120%
Intrinsic Value
11.443
Current
10.100
Gap
+13.3%
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→10.29%
Regression type→huber_multifactor
R²→0.6592
2
Valuation
Fair P/B
0.92x
x
BVPS
12.417
=
Intrinsic Value
11.443
Valuation Track Record
Retroactive intrinsic value vs actual close price — VAB
Earnings Quality
Fiscal year 2025
73
Good
Accrual Quality
88Cash Conversion
100Margin Stability
100Revenue Quality
0Quantitative Scores
F-Score
4/9
Neutral
Sharpe
1.29
Excellent
Composite
75
Strong
Price Risk
Momentum
+70.7%
Volatility
25.7%
Max Drawdown
-27.8%
Key Ratios
Fiscal year 2025
0.87P/B
P/E6.74
ROE13.7%
ROA1.0%
EPS1594.80
BVPS12417.26
Net Margin38.3%
Rev Growth31.4%
Profit Growth50.2%
Div Yield0.0%
Company Overview
Issued Shares
816.4M
Charter Capital
8163.6B VND
Sector (ICB L2)
Ngân hàng
Industry (ICB L3)
Ngân hàng
Sub-industry
Ngân hàng
Company Type
NH
// OWNERSHIP_NETWORK
> mapping common ownership for VAB — hover nodes for intel, click to navigate
Computed 12/04/2026