Stock TCB VIETNAM TECHNOLOGICAL AND COMMERCIALBANK
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Financials Vietnam Technological and CommercialBank

Equities

TCB

VN000000TCB8

Banks

End-of-day quote Ho Chi Minh S.E.
Other stock markets
 06:00:00 2024-05-16 pm EDT 		5-day change 1st Jan Change
49,750 VND -0.30% Intraday chart for Vietnam Technological and CommercialBank +2.68% +56.45%
May. 09 Vietnam's banks face borrowing cost rise as deposits dip RE
Apr. 23 Vietnam Technological and Commercial Joint Stock Bank Reports Earnings Results for the First Quarter Ended March 31, 2024 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 82,428,296 110,404,546 175,545,740 90,920,616 112,015,844 175,244,913 - -
Enterprise Value (EV) 1 82,428,296 110,404,546 175,545,740 90,920,616 112,015,844 175,244,913 175,244,913 175,244,913
P/E ratio 8.18 x 8.96 x 9.73 x 4.52 x 6.22 x 7.73 x 6.18 x 5.19 x
Yield - - - - - 1.81% 2.25% 2.85%
Capitalization / Revenue 3.91 x 4.08 x 4.73 x 2.1 x 2.62 x 3.58 x 2.95 x 2.42 x
EV / Revenue 3.91 x 4.08 x 4.73 x 2.1 x 2.62 x 3.58 x 2.95 x 2.42 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.33 x 1.49 x 1.89 x 0.81 x 0.86 x 1.17 x 1 x 0.86 x
Nbr of stocks (in thousands) 3,500,140 3,504,906 3,510,915 3,517,239 3,522,511 3,522,511 - -
Reference price 2 23,550 31,500 50,000 25,850 31,800 49,750 49,750 49,750
Announcement Date 1/21/20 1/27/21 1/24/22 1/31/23 1/22/24 - - -
1VND in Million2VND
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 21,068,145 27,042,485 37,076,325 43,206,132 42,689,524 48,924,656 59,488,124 72,307,058
EBITDA - - - - - - - -
EBIT 1 13,755,636 18,411,331 25,902,979 27,504,062 26,809,296 32,553,421 39,483,967 45,496,082
Operating Margin 65.29% 68.08% 69.86% 63.66% 62.8% 66.54% 66.37% 62.92%
Earnings before Tax (EBT) 1 12,838,268 15,800,296 23,238,376 25,567,768 22,888,228 28,026,033 34,653,018 40,401,667
Net income 1 10,075,139 12,324,888 18,037,685 20,150,377 18,003,802 22,493,938 28,371,460 33,761,775
Net margin 47.82% 45.58% 48.65% 46.64% 42.17% 45.98% 47.69% 46.69%
EPS 2 2,878 3,516 5,137 5,725 5,111 6,440 8,047 9,584
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - - - - - 900.0 1,120 1,419
Announcement Date 1/21/20 1/27/21 1/24/22 1/31/23 1/22/24 - - -
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 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 10,159,011 - - - - 9,299,974 9,325,171 10,418,493 11,701,570 11,982,187 12,566,921 13,430,448 15,911,544 16,708,433
EBITDA - - - - - - - - - - - - - -
EBIT 1 6,767,163 - 7,738,517 - - 6,157,888 6,456,281 6,787,764 7,407,365 8,143,000 8,536,000 9,185,000 - -
Operating Margin 66.61% - - - - 66.21% 69.23% 65.15% 63.3% 67.96% 67.92% 68.39% - -
Earnings before Tax (EBT) 1 6,139,979 - 7,321,136 - - 5,623,358 5,649,010 5,842,790 5,773,070 7,226,000 7,565,000 8,170,000 - -
Net income 1 4,592,230 - 5,800,491 - - 4,496,895 4,455,055 4,612,943 4,438,909 5,762,937 6,038,233 6,362,539 7,868,715 8,244,570
Net margin 45.2% - - - - 48.35% 47.77% 44.28% 37.93% 48.1% 48.05% 47.37% 49.45% 49.34%
EPS 2 1,307 - - - - 1,279 1,267 1,312 1,260 1,541 1,639 1,729 2,237 2,344
Dividend per Share - - - - - - - - - - - - - -
Announcement Date 1/24/22 4/21/22 7/21/22 10/31/22 1/31/23 4/26/23 7/25/23 10/23/23 1/22/24 - - - - -
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) 17.8% 18.1% 21.5% 19.7% 14.8% 16.2% 17.6% 17.9%
ROA (Net income/ Total Assets) 2.86% 2.99% 3.58% 3.18% 2.33% 2.48% 2.65% 2.62%
Assets 1 352,339,185 411,652,906 504,212,137 633,880,914 774,257,171 908,152,501 1,070,689,824 1,290,257,272
Book Value Per Share 2 17,651 21,151 26,505 31,927 36,994 42,512 49,527 57,698
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 1/21/20 1/27/21 1/24/22 1/31/23 1/22/24 - - -
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 Technological and CommercialBank

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
11
Last Close Price
49,750 VND
Average target price
47,064 VND
Spread / Average Target
-5.40%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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