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 2024-05-02 pm EDT 		5-day change 1st Jan Change
48,200 VND +2.88% Intraday chart for Vietnam Technological and CommercialBank +4.44% +51.57%
Apr. 23 Vietnam Technological and Commercial Joint Stock Bank Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
Mar. 26 Vietnam Technological and Commercial Joint Stock Bank Announces Relocation of Big C Transaction Office CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 82,428,296 110,404,546 175,545,740 90,920,616 112,015,844 169,785,021 - -
Enterprise Value (EV) 1 82,428,296 110,404,546 175,545,740 90,920,616 112,015,844 169,785,021 169,785,021 169,785,021
P/E ratio 8.18 x 8.96 x 9.73 x 4.52 x 6.22 x 7.76 x 6.27 x 5.83 x
Yield - - - - - 1.87% 2.32% 2.84%
Capitalization / Revenue 3.91 x 4.08 x 4.73 x 2.1 x 2.62 x 3.53 x 2.93 x 2.49 x
EV / Revenue 3.91 x 4.08 x 4.73 x 2.1 x 2.62 x 3.53 x 2.93 x 2.49 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 1.14 x 0.98 x 0.89 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 48,200 48,200 48,200
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 48,062,804 57,865,918 68,105,000
EBITDA - - - - - - - -
EBIT 1 13,755,636 18,411,331 25,902,979 27,504,062 26,809,296 31,893,693 38,247,871 44,542,500
Operating Margin 65.29% 68.08% 69.86% 63.66% 62.8% 66.36% 66.1% 65.4%
Earnings before Tax (EBT) 1 12,838,268 15,800,296 23,238,376 25,567,768 22,888,228 27,325,685 33,419,721 37,050,500
Net income 1 10,075,139 12,324,888 18,037,685 20,150,377 18,003,802 21,795,727 27,109,112 29,165,433
Net margin 47.82% 45.58% 48.65% 46.64% 42.17% 45.35% 46.85% 42.82%
EPS 2 2,878 3,516 5,137 5,725 5,111 6,208 7,687 8,271
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - - - - - 900.0 1,120 1,367
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 11,773,775 12,411,768 13,272,978 14,359,736 15,147,449
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% 69.16% 68.77% 69.2% - -
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 5,636,399 5,966,583 6,316,115 6,806,946 7,222,681
Net margin 45.2% - - - - 48.35% 47.77% 44.28% 37.93% 47.87% 48.07% 47.59% 47.4% 47.68%
EPS 2 1,307 - - - - 1,279 1,267 1,312 1,260 1,505 1,619 1,715 1,935 2,054
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% 15.6% 17% 16.5%
ROA (Net income/ Total Assets) 2.86% 2.99% 3.58% 3.18% 2.33% 2.47% 2.58% 2.42%
Assets 1 352,339,185 411,652,906 504,212,137 633,880,914 774,257,171 882,328,787 1,051,637,513 1,205,183,188
Book Value Per Share 2 17,651 21,151 26,505 31,927 36,994 42,418 49,263 54,205
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
48,200 VND
Average target price
42,037 VND
Spread / Average Target
-12.79%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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