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VCB
BanksNgân hàng Thương mại Cổ phần Ngoại thương Việt Nam
Ngân hàngNH
58.800
VND · Last close
Valuation Verdict
Overvalued
-120%Fair Value+120%
Intrinsic Value
45.327
Current
58.800
Gap
-22.9%
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→18.74%
Regression type→soe_peer_median_tilt
R²→0.0000
Fallback→Peer median
2
Valuation
Fair P/B
1.67x
x
BVPS
27.223
=
Intrinsic Value
45.327
Valuation Track Record
Retroactive intrinsic value vs actual close price — VCB
Earnings Quality
Fiscal year 2025
73
Good
Accrual Quality
91Cash Conversion
100Margin Stability
100Revenue Quality
0Quantitative Scores
F-Score
3/9
Weak
Sharpe
0.11
Positive
Composite
61
Fair
Price Risk
Momentum
+20.0%
Volatility
30.6%
Max Drawdown
-22.0%
Key Ratios
Fiscal year 2025
2.37P/B
P/E15.30
ROE16.6%
ROA1.6%
EPS4210.09
BVPS27222.74
Net Margin60.0%
Rev Growth12.2%
Profit Growth4.0%
Div Yield0.0%
Company Overview
Issued Shares
8355.7M
Charter Capital
83556.8B VND
Sector (ICB L2)
Ngân hàng
Industry (ICB L3)
Ngân hàng
Sub-industry
Ngân hàng
Company Type
NH
// OWNERSHIP_NETWORK
> mapping common ownership for VCB — hover nodes for intel, click to navigate
Computed 12/04/2026