Stock ACB ASIA COMMERCIALBANK
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Financials Asia CommercialBank

Equities

ACB

VN000000ACB8

Banks

End-of-day quote Ho Chi Minh S.E.
Other stock markets
 06:00:00 2024-05-21 pm EDT 		5-day change 1st Jan Change
27,950 VND -0.89% Intraday chart for Asia CommercialBank +0.90% +16.95%
Apr. 25 Asia Commercial Joint Stock Bank Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
Apr. 12 CVC Capital Partners exits Vietnam's Asia Commercial Bank, sources say RE

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 37,768,548 60,739,793 93,217,209 73,965,829 92,828,804 110,501,233 - -
Enterprise Value (EV) 1 37,768,548 60,739,793 93,217,209 73,965,829 92,828,804 110,501,233 110,501,233 110,501,233
P/E ratio 6.4 x 8 x 9.86 x 5.46 x 5.84 x 6.54 x 5.38 x 4.68 x
Yield - - - - - 3.51% 4.1% 4.57%
Capitalization / Revenue 2.35 x 3.34 x 3.96 x 2.57 x 3.33 x 3.09 x 2.64 x 2.34 x
EV / Revenue 2.35 x 3.34 x 3.96 x 2.57 x 3.33 x 3.09 x 2.64 x 2.34 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.36 x 1.71 x 2.08 x 1.27 x 1.31 x 1.33 x 1.08 x 0.92 x
Nbr of stocks (in thousands) 3,869,516 3,884,050 3,884,050 3,884,050 3,884,050 3,884,050 - -
Reference price 2 9,761 15,638 24,000 19,043 23,900 28,450 28,450 28,450
Announcement Date 1/21/20 1/25/21 1/25/22 3/9/23 1/26/24 - - -
1VND in Million2VND
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 16,068,645 18,161,309 23,563,997 28,790,067 27,881,907 35,775,531 41,782,819 47,191,251
EBITDA - - - - - - - -
EBIT 1 7,789,757 10,537,041 15,334,221 17,185,022 21,872,230 24,101,713 27,772,123 32,788,500
Operating Margin 48.48% 58.02% 65.07% 59.69% 78.45% 67.37% 66.47% 69.48%
Earnings before Tax (EBT) 1 7,515,936 9,595,888 11,998,112 17,114,208 20,067,999 22,685,000 26,596,616 31,513,000
Net income 1 5,997,085 7,682,823 9,602,746 13,688,193 16,044,733 18,148,000 20,969,258 25,211,000
Net margin 37.32% 42.3% 40.75% 47.54% 57.55% 50.73% 50.19% 53.42%
EPS 2 1,524 1,954 2,433 3,485 4,092 4,350 5,285 6,081
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - - - - - 1,000 1,167 1,300
Announcement Date 1/21/20 1/25/21 1/25/22 3/9/23 1/26/24 - - -
1VND in Million2VND
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 5,971,221 - 7,305,427 7,920,151 7,671,124 7,119,752 7,016,914 7,896,411 8,413,268 8,607,635 8,839,462 9,529,835 10,130,514
EBITDA - - - - - - - - - - - - -
EBIT 3,553,777 - 4,646,996 4,900,483 5,538,340 5,556,164 5,365,215 5,404,530 - - - - -
Operating Margin 59.52% - 63.61% 61.87% 72.2% 78.04% 76.46% 68.44% - - - - -
Earnings before Tax (EBT) 3,029,760 - 4,914,360 5,156,497 4,832,447 5,035,481 5,043,574 4,892,313 - - - - -
Net income 2,428,495 3,287,535 3,943,148 4,135,029 3,865,846 4,037,579 4,006,279 3,905,419 - - - - -
Net margin 40.67% - 53.98% 52.21% 50.39% 56.71% 57.09% 49.46% - - - - -
EPS 2 - 846.6 - - 797.0 - 1,031 1,006 1,054 1,063 1,077 1,217 1,300
Dividend per Share 2 - - - - - - - - - - 1,000 - -
Announcement Date 1/25/22 4/27/22 7/27/22 4/28/23 8/14/23 10/24/23 1/26/24 4/25/24 - - - - -
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) 24.6% 24.3% 23.9% 26.5% 24.8% 22.2% 21.8% 21.2%
ROA (Net income/ Total Assets) 1.68% 1.86% 1.98% 2.41% 2.42% 2.28% 2.4% 2.4%
Assets 1 356,417,746 414,023,280 486,141,143 567,833,444 663,334,422 795,441,595 874,812,585 1,049,876,527
Book Value Per Share 2 7,172 9,127 11,560 15,046 18,269 21,448 26,250 30,781
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 1/21/20 1/25/21 1/25/22 3/9/23 1/26/24 - - -
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 Asia CommercialBank

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
9
Last Close Price
28,450 VND
Average target price
35,239 VND
Spread / Average Target
+23.86%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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