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Vietnam Joint Stock Commercial Bank for Industry and Trade (CTG) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Vietnam Joint Stock Commercial Bank for Industry and Trade

CTGMarket cap $8.90BPrice $1.1

Country🇻🇳Vietnam

SectorFinancials

IndustryBanks

Runs one of Vietnam's largest state-owned banks, handling loans, deposits, and payments for millions of businesses and households nationwide. Backed by the government, it's a key channel funneling capital into Vietnam's fast-growing economy.

In Bastion Portfolios?

52W Return-16%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+16%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+24%–

Rev CAGR (5y)+16%9

Earnings Forecast

EPS Growth Y+1+24%8

EPS Growth Y+2+17%8

EPS Growth Y+3+10%6

Quality

Margins

EBIT Margin0%8

Net Income Margin51%10

Free Cash Flow Margin-234%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE22%8

ROA1%3

Earnings Stability1010

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)510

P/E Ratio (Forward 3y)410

P/BV1.19

EV Multiples

EV/EBITDA Fwd010

EV/EBIT Fwd010

Yield

Free Cash Flow Yield0.0%10

Dividend Yield1.5%4

Momentum

Short term

1 month return-3%6

3 month return-12%3

YTD return-15%3

Mid term

Price vs 52wHigh70%3

1 year return-15%3

Long term

3 year return+72%6

5 year return+72%7

Risk Shield

Price Risk

Beta0.58

Volatility28%8

Free Cash Flow

Free Cash Flow Margin-234%1

Free Cash Flow Yield0.0%10

Quality

ROCE21%3

Earnings Stability1010

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

CTGVietnam Joint Stock Commercial Bank for Industry and Trade

Revenue FY25$2.7B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+16%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+24%–

Revenue, next 5Y, CAGR+16%9

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+24%8

EPS growth, FY27E+17%8

EPS growth, FY28E+10%6

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 24%/yr over the next 3 years, ahead of most of the market.9/10

Revenue grew 16%/yr over the last 3 years and is set to grow 24%/yr from here.

The runway holds up: revenue is set to grow 16%/yr over five years.9/10

WATCH

Earnings are set to grow slower than sales (EPS about 17%/yr vs revenue 24%/yr), so margins are under pressure.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

CTGVietnam Joint Stock Commercial Bank for Industry and Trade

Total return Current290%

Price return Current262%

MOMENTUM RATING↗

WEAK32 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-3%6

3-month return-12%3

YTD return-15%3

MID & LONG-TERM▾SCORE

% of 52-week high70%3

1-year return-15%3

3-year return+72%6

5-year return+72%7

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +72% over three years and +72% over five, ahead of 60% of the market.

WATCH

Returns sit at the market level over the past month (-3%).

WEAKNESSES

It's down 15% over the past year, now 30% below its 52-week high. That is lagging the market.

The stock is underperforming over three months (-12%) and so far this year (-15%).

BOTTOM LINE

Outperformer in a Drawdown

A proven multi-year compounder now in a meaningful pullback well below its 52-week high. This is the classic fork: either a buy-the-dip in an intact uptrend, or the early stage of a trend change. Wait for the short-term slide to stabilise before adding. The one thing to watch: the one-year trend is weak.

04Value

Are you paying a fair price for it?

Stop guessing on Vietnam Joint Stock Commercial Bank for Industry and Trade. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

CTGVietnam Joint Stock Commercial Bank for Industry and Trade

Revenue FY25$2.7B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+16%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+24%–

Revenue, next 5Y, CAGR+16%9

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+24%8

EPS growth, FY27E+17%8

EPS growth, FY28E+10%6

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 24%/yr over the next 3 years, ahead of most of the market.9/10

Revenue grew 16%/yr over the last 3 years and is set to grow 24%/yr from here.

The runway holds up: revenue is set to grow 16%/yr over five years.9/10

WATCH

Earnings are set to grow slower than sales (EPS about 17%/yr vs revenue 24%/yr), so margins are under pressure.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

CTGVietnam Joint Stock Commercial Bank for Industry and Trade

Total return Current290%

Price return Current262%

MOMENTUM RATING↗

WEAK32 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-3%6

3-month return-12%3

YTD return-15%3

MID & LONG-TERM▾SCORE

% of 52-week high70%3

1-year return-15%3

3-year return+72%6

5-year return+72%7

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +72% over three years and +72% over five, ahead of 60% of the market.

WATCH

Returns sit at the market level over the past month (-3%).

WEAKNESSES

It's down 15% over the past year, now 30% below its 52-week high. That is lagging the market.

The stock is underperforming over three months (-12%) and so far this year (-15%).

BOTTOM LINE

Outperformer in a Drawdown

04Value

Are you paying a fair price for it?

Stop guessing on Vietnam Joint Stock Commercial Bank for Industry and Trade. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community