Stock STB SAIGON THUONG TIN COMMERCIALBANK
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Financials Saigon Thuong Tin CommercialBank

Equities

STB

VN000000STB4

Banks

End-of-day quote Ho Chi Minh S.E.
Other stock markets
 06:00:00 2024-04-25 pm EDT 		5-day change 1st Jan Change
28,200 VND -0.88% Intraday chart for Saigon Thuong Tin CommercialBank +5.22% +0.89%
Apr. 19 Vietnam continues support for bank engulfed in massive fraud, central bank says RE
Apr. 19 Vietnam working on measures to restore SCB's normal operations, cenbank says RE

Valuation

Fiscal Period: December 2019 2020 2021 2022 2024 2025 2026
Capitalization 1 18,126,717 30,481,743 59,384,295 42,417,354 53,163,083 - -
Enterprise Value (EV) 1 18,126,717 30,481,743 59,384,295 42,417,354 53,163,083 53,163,083 53,163,083
P/E ratio 8.98 x 12.4 x 19.3 x 8.41 x 6.35 x 4.46 x 3.31 x
Yield - - - - - - -
Capitalization / Revenue 1.3 x 1.79 x 3.23 x 1.62 x 1.63 x 1.34 x 1.02 x
EV / Revenue 1.3 x 1.79 x 3.23 x 1.62 x 1.63 x 1.34 x 1.02 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 0.68 x 1.05 x 1.73 x 1.1 x 0.98 x 0.79 x -
Nbr of stocks (in thousands) 1,803,653 1,803,653 1,885,216 1,885,216 1,885,216 - -
Reference price 2 10,050 16,900 31,500 22,500 28,200 28,200 28,200
Announcement Date 1/20/20 1/20/21 1/28/22 3/31/23 - - -
1VND in Million2VND
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2024 2025 2026
Net sales 1 13,984,131 17,003,366 18,395,135 26,141,290 32,618,568 39,579,101 52,032,000
EBITDA - - - - - - -
EBIT 1 5,369,635 6,255,650 7,835,746 15,220,573 18,954,808 23,039,286 31,751,000
Operating Margin 38.4% 36.79% 42.6% 58.22% 58.11% 58.21% 61.02%
Earnings before Tax (EBT) 1 3,216,746 3,339,280 4,400,026 6,339,072 12,404,822 17,527,865 23,385,000
Net income 1 2,454,864 2,681,981 3,411,496 5,040,695 10,431,687 14,022,432 18,708,000
Net margin 17.55% 15.77% 18.55% 19.28% 31.98% 35.43% 35.95%
EPS 2 1,119 1,368 1,630 2,674 4,439 6,326 8,510
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share - - - - - - -
Announcement Date 1/20/20 1/20/21 1/28/22 3/31/23 - - -
1VND in Million2VND
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2022 Q3 2023 Q2 2023 Q3
Net sales 1 - - 6,413,319
EBITDA - - -
EBIT - - -
Operating Margin - - -
Earnings before Tax (EBT) - 2,372,538 -
Net income 1 1,211,607 1,925,126 1,634,592
Net margin - - 25.49%
EPS - - -
Dividend per Share - - -
Announcement Date 10/29/22 7/28/23 10/30/23
1VND in Million
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2024 2025 2026
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 9.56% 9.63% 10.8% 13.8% 20.7% 24.2% 24.7%
ROA (Net income/ Total Assets) 0.57% 0.57% 0.67% 0.91% 1.43% 1.7% 2%
Assets 1 429,848,363 473,095,960 506,833,457 556,509,379 732,048,193 824,848,941 935,400,000
Book Value Per Share 2 14,826 16,054 18,174 20,489 28,805 35,841 -
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/20/20 1/20/21 1/28/22 3/31/23 - - -
1VND in Million2VND
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Ratings for Saigon Thuong Tin CommercialBank

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
6
Last Close Price
28,200 VND
Average target price
38,910 VND
Spread / Average Target
+37.98%
Consensus

EPS Revisions

Estimates Revisions

Annual profits - Rate of surprise

Company calendar

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