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 2024-06-04 pm EDT 		5-day change 1st Jan Change
18,100 VND -0.55% Intraday chart for Vietnam ProsperityCommercial Bank +0.28% -5.73%
May. 14 Vietnam Prosperity Joint Stock Commercial Bank Announces Dividend for the Year 2023, Payable on May 31, 2024 CI
May. 08 Transcript : Vietnam Prosperity Joint Stock Commercial Bank, Q1 2024 Earnings Call, May 08, 2024

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 48,754,967 79,779,322 161,303,809 119,090,386 151,751,117 143,604,017 - -
Enterprise Value (EV) 1 48,754,967 79,779,322 161,303,809 119,090,386 151,751,117 143,604,017 143,604,017 143,604,017
P/E ratio 5.92 x 7.61 x 13.4 x 6.58 x 13.3 x 10.1 x 7.62 x 6.97 x
Yield - - - - - 5.52% 6.3% 6.3%
Capitalization / Revenue 1.34 x 2.04 x 3.64 x 2.06 x 3.05 x 2.38 x 1.8 x 1.55 x
EV / Revenue 1.34 x 2.04 x 3.64 x 2.06 x 3.05 x 2.38 x 1.8 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 1.02 x 0.95 x 0.91 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 18,100 18,100 18,100
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 60,341,480 79,704,847 92,690,274
EBITDA - - - - - - - -
EBIT 1 24,021,495 27,641,093 33,582,538 43,680,949 35,831,613 43,879,500 57,151,253 64,919,300
Operating Margin 66.07% 70.81% 75.8% 75.58% 72.03% 72.72% 71.7% 70.04%
Earnings before Tax (EBT) 1 10,333,870 13,019,455 14,580,460 21,219,723 10,987,177 18,472,333 25,170,142 25,612,167
Net income 1 8,268,030 10,413,760 11,807,884 18,175,234 10,052,574 14,391,481 18,328,957 19,514,384
Net margin 22.74% 26.68% 26.65% 31.45% 20.21% 23.85% 23% 21.05%
EPS 2 1,251 1,582 1,777 2,719 1,445 1,790 2,375 2,596
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - - - - - 1,000 1,140 1,140
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 14,867,872 15,784,104 16,661,332 17,447,145 18,676,081
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 - - - - - 378.0 456.0 361.0 250.0 450.0 433.8 469.7 490.9 533.3 588.7
Dividend per Share 2 - - - - - - - - - - - - 1,000 - -
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% 10.3% 12.5% 13.4%
ROA (Net income/ Total Assets) 2.36% 2.62% 2.44% 3.08% 1.39% 1.55% 1.71% 1.65%
Assets 1 350,251,207 398,109,947 483,335,407 589,244,091 724,248,847 926,390,794 1,071,555,531 1,179,594,372
Book Value Per Share 2 6,180 7,965 11,766 14,426 16,980 17,797 19,086 19,794
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
18,100 VND
Average target price
25,322 VND
Spread / Average Target
+39.90%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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