Stock VPB VIETNAM PROSPERITYCOMMERCIAL BANK
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Financials Vietnam ProsperityCommercial Bank

Equities

VPB

VN000000VPB6

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
18,550 VND -0.27% Intraday chart for Vietnam ProsperityCommercial Bank +1.37% -3.39%
Apr. 24 Vietnam Prosperity Joint Stock Commercial Bank Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
Mar. 22 Vietnam Prosperity Joint Stock Commercial Bank Announces Relocation of Xuong Giang Branch CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 48,754,967 79,779,322 161,303,809 119,090,386 151,751,117 147,174,283 - -
Enterprise Value (EV) 1 48,754,967 79,779,322 161,303,809 119,090,386 151,751,117 147,174,283 147,174,283 147,174,283
P/E ratio 5.92 x 7.61 x 13.4 x 6.58 x 13.3 x 10.8 x 7.54 x 6.67 x
Yield - - - - - 4.85% 5.07% 5.07%
Capitalization / Revenue 1.34 x 2.04 x 3.64 x 2.06 x 3.05 x 2.34 x 1.82 x 1.55 x
EV / Revenue 1.34 x 2.04 x 3.64 x 2.06 x 3.05 x 2.34 x 1.82 x 1.55 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.2 x 1.51 x 2.03 x 1.24 x 1.13 x 1.01 x 0.93 x 0.87 x
Nbr of stocks (in thousands) 6,581,921 6,627,821 6,758,539 6,653,094 7,903,704 7,933,924 - -
Reference price 2 7,407 12,037 23,867 17,900 19,200 18,550 18,550 18,550
Announcement Date 1/20/20 1/20/21 1/27/22 1/30/23 1/15/24 - - -
1VND in Million2VND
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 36,355,505 39,033,114 44,301,475 57,797,030 49,743,430 62,889,471 80,906,040 94,857,799
EBITDA - - - - - - - -
EBIT 1 24,021,495 27,641,093 33,582,538 43,680,949 35,831,613 45,453,308 58,042,253 66,760,300
Operating Margin 66.07% 70.81% 75.8% 75.58% 72.03% 72.27% 71.74% 70.38%
Earnings before Tax (EBT) 1 10,333,870 13,019,455 14,580,460 21,219,723 10,987,177 16,032,200 25,482,392 26,528,500
Net income 1 8,268,030 10,413,760 11,807,884 18,175,234 10,052,574 12,353,281 18,914,061 19,845,747
Net margin 22.74% 26.68% 26.65% 31.45% 20.21% 19.64% 23.38% 20.92%
EPS 2 1,251 1,582 1,777 2,719 1,445 1,724 2,460 2,782
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - - - - - 900.0 940.0 940.0
Announcement Date 1/20/20 1/20/21 1/27/22 1/30/23 1/15/24 - - -
1VND in Million2VND
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 - - - - - 12,358,753 12,781,506 11,262,031 13,341,140 13,410,612 15,281,061 16,216,863 16,935,577 18,355,695 19,312,628
EBITDA - - - - - - - - - - - - - - -
EBIT 8,215,661 - 9,762,453 - - 8,935,834 9,102,840 8,067,282 - 9,944,045 - - - - -
Operating Margin - - - - - 72.3% 71.22% 71.63% - 74.15% - - - - -
Earnings before Tax (EBT) 2,844,755 - 4,176,730 - - 2,549,655 2,612,539 3,117,132 - 4,181,852 - - - - -
Net income 2,428,891 - 3,508,206 - - 2,535,954 3,061,793 2,424,746 - 3,566,697 - - - - -
Net margin - - - - - 20.52% 23.95% 21.53% - 26.6% - - - - -
EPS 2 - - - - - 378.0 456.0 361.0 250.0 450.0 473.4 503.1 515.2 575.5 596.7
Dividend per Share 2 - - - - - - - - - - - - 500.0 - -
Announcement Date 1/27/22 4/23/22 7/23/22 10/30/22 1/30/23 4/28/23 7/28/23 10/16/23 1/15/24 4/24/24 - - - - -
1VND in Million2VND
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 21.5% 21.9% 18% 20.7% 8.68% 11.4% 12.4% 13.3%
ROA (Net income/ Total Assets) 2.36% 2.62% 2.44% 3.08% 1.39% 1.69% 1.74% 1.7%
Assets 1 350,251,207 398,109,947 483,335,407 589,244,091 724,248,847 732,002,890 1,087,640,088 1,170,377,879
Book Value Per Share 2 6,180 7,965 11,766 14,426 16,980 18,403 20,051 21,391
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 1/20/20 1/20/21 1/27/22 1/30/23 1/15/24 - - -
1VND in Million2VND
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Vietnam ProsperityCommercial Bank

Trading Rating
Investor Rating
ESG Refinitiv
C+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
7
Last Close Price
18,550 VND
Average target price
25,942 VND
Spread / Average Target
+39.85%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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