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VIB
BanksNgân hàng Thương mại Cổ phần Quốc tế Việt Nam
Ngân hàngNH
17.000
VND · Last close
Valuation Verdict
Overvalued
-120%Fair Value+120%
Intrinsic Value
14.848
Current
17.000
Gap
-12.7%
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→18.06%
Regression type→huber_multifactor
R²→0.6592
2
Valuation
Fair P/B
1.08x
x
BVPS
13.779
=
Intrinsic Value
14.848
Valuation Track Record
Retroactive intrinsic value vs actual close price — VIB
Earnings Quality
Fiscal year 2025
75
Good
Accrual Quality
97Cash Conversion
100Margin Stability
100Revenue Quality
0Quantitative Scores
F-Score
3/9
Weak
Sharpe
-0.13
Negative
Composite
58
Fair
Price Risk
Momentum
+6.0%
Volatility
23.7%
Max Drawdown
-30.1%
Key Ratios
Fiscal year 2025
1.25P/B
P/E8.06
ROE16.4%
ROA1.4%
EPS2140.25
BVPS13779.28
Net Margin45.3%
Rev Growth12.0%
Profit Growth1.1%
Div Yield0.0%
Company Overview
Issued Shares
3404.0M
Charter Capital
34040.1B VND
Sector (ICB L2)
Ngân hàng
Industry (ICB L3)
Ngân hàng
Sub-industry
Ngân hàng
Company Type
NH
// OWNERSHIP_NETWORK
> mapping common ownership for VIB — hover nodes for intel, click to navigate
Computed 12/04/2026