Back to Dashboard
VPB
BanksNgân hàng Thương mại Cổ phần Việt Nam Thịnh Vượng
Ngân hàngNH
26.450
VND · Last close
Valuation Verdict
Undervalued
-120%Fair Value+120%
Intrinsic Value
37.179
Current
26.450
Gap
+40.6%
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→11.14%
Regression type→huber_multifactor
R²→0.6592
2
Valuation
Fair P/B
1.76x
x
BVPS
21.163
=
Intrinsic Value
37.179
Valuation Track Record
Retroactive intrinsic value vs actual close price — VPB
Earnings Quality
Fiscal year 2025
77
Good
Accrual Quality
96Cash Conversion
100Margin Stability
65Revenue Quality
45Quantitative Scores
F-Score
4/9
Neutral
Sharpe
0.66
Positive
Composite
79
Strong
Price Risk
Momentum
+51.7%
Volatility
37.3%
Max Drawdown
-37.9%
Key Ratios
Fiscal year 2025
1.34P/B
P/E9.36
ROE14.9%
ROA2.2%
EPS3023.72
BVPS21162.71
Net Margin40.9%
Rev Growth26.4%
Profit Growth52.0%
Div Yield0.0%
Company Overview
Issued Shares
7933.9M
Charter Capital
79339.2B VND
Sector (ICB L2)
Ngân hàng
Industry (ICB L3)
Ngân hàng
Sub-industry
Ngân hàng
Company Type
NH
// OWNERSHIP_NETWORK
> mapping common ownership for VPB — hover nodes for intel, click to navigate
Computed 12/04/2026