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Vietnam Prosperity Joint Stock Commercial Bank
VN:VPB

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Vietnam Prosperity Joint Stock Commercial Bank
VN:VPB
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Price: 19 050 VND -0.78% Market Closed
Market Cap: 151.1T VND
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Intrinsic Value

The intrinsic value of one VPB stock under the Base Case scenario is 47 432.17 VND. Compared to the current market price of 19 050 VND, Vietnam Prosperity Joint Stock Commercial Bank is Undervalued by 60%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

VPB Intrinsic Value
47 432.17 VND
Undervaluation 60%
Intrinsic Value
Price
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Valuation Backtest
Vietnam Prosperity Joint Stock Commercial Bank

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Vietnam Prosperity Joint Stock Commercial Bank

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Business Breakdown

Vietnam Prosperity Joint Stock Commercial Bank, commonly known as VPBank, has carved out a notable niche in Vietnam’s rapidly evolving banking sector. Established in 1993, VPBank has transformed into one of the leading joint-stock commercial banks in the country, boasting a robust network of over 200 branches and transaction offices throughout Vietnam. The bank primarily serves retail clients and small to medium-sized enterprises (SMEs), capitalizing on the growing demand for accessible financial solutions amidst Vietnam’s thriving economy. VPBank is known for its innovative financial products and technology-driven services, particularly its digital banking platform, which caters to an incre...

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Vietnam Prosperity Joint Stock Commercial Bank

Net Loans 619.7T
Investments 110.2T
PP&E 1.4T
Intangibles 603.1B
Other Assets 127T
Total Deposits 556T
Short Term Debt 87.3T
Long Term Debt 10.3T
Other Liabilities 63.1T

Wall St
Price Targets

VPB Price Targets Summary
Vietnam Prosperity Joint Stock Commercial Bank

Wall Street analysts forecast VPB stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for VPB is 23 360.96 VND with a low forecast of 21 210 VND and a high forecast of 25 725 VND.

Lowest
Price Target
21 210 VND
11% Upside
Average
Price Target
23 360.96 VND
23% Upside
Highest
Price Target
25 725 VND
35% Upside
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Dividends

Dividend Yield
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Dividend Per Share
N/A
Growth 3Y
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Growth 10Y
Dividend Safety Score
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Shareholder Yield

Current shareholder yield for VPB is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
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Profile

Vietnam Prosperity Joint Stock Commercial Bank

Country

Vietnam

Industry

Banking

Market Cap

151.1T VND

Dividend Yield

5.25%

Description

Vietnam Prosperity Joint-Stock Commercial Bank operates a joint stock commercial bank. The company is headquartered in Hanoi, Hanoi and currently employs 24,633 full-time employees. The company went IPO on 2017-08-17. The company is engaged in commercial banking operations, including deposit taking from individuals and corporate clients; savings accounts offering; short, medium and long term loans offering for individuals and institutional clients; forex trading; international trade financing; commercial papers and bonds discounting; among others. The Bank is also involved in securities and bonds investments, as well as the provision of payment services and e-wallet services.

Contact

HANOI
Hanoi
89 Lang Ha, Quan Dong Da
+842439288869
www.vpbank.com.vn

IPO

2017-08-17

Employees

24 633

Officers

CEO, Member of Management Board & Director
Mr. Vinh Duc Nguyen
Head of Financial Division, CFO & Member of Executive Board
Ms. An Hoang-Khanh Le
Deputy CEO, Director of Credit Division & Member of Management Board
Mr. Binh Thanh Nguyen
Deputy CEO, Head of Corporate & Investment Banking Division and Member of Executive Board
Ms. Thuy Thi Thu Duong
Standing Deputy CEO, Senior Executive MD & Member of Management Board
Ms. Thao Thi Luu
Deputy CEO, Head of Legal and Compliance Division & Member of Executive Board
Mr. Long Thanh Nguyen
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Head of Financial Markets & Transaction Banking and Member of Executive Board
Ms. Phuong Hang Vo
Deputy CEO, Head of Commercial Banking Division & Member of Management Board
Mr. Nho Van Dinh
Head of Human Resources Management Division & Member of Executive Board
Ms. Anh Diep Thi Tran
Standing Dep. CEO, Officer IN charge of Southern Region, Head - Retail Banking & Mgmt. Board Member
Mr. Khuong Duy Phung
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See Also

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What is the Intrinsic Value of one VPB stock?

The intrinsic value of one VPB stock under the Base Case scenario is 47 432.17 VND.

Is VPB stock undervalued or overvalued?

Compared to the current market price of 19 050 VND, Vietnam Prosperity Joint Stock Commercial Bank is Undervalued by 60%.

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