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Vietnam Technological and Commercial Joint Stock Bank (TCB) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Vietnam Technological and Commercial Joint Stock Bank

TCBMarket cap $8.85BPrice $1.2

Country🇻🇳Vietnam

SectorFinancials

IndustryBanks

Provides retail and corporate banking, loans, and payment services across Vietnam. It's one of the country's most profitable private banks, riding the wave of Vietnam's booming middle class and digital banking shift.

In Bastion Portfolios?

52W Return-17%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+4%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+22%–

Rev CAGR (5y)+17%9

Earnings Forecast

EPS Growth Y+1+17%8

EPS Growth Y+2+21%8

EPS Growth Y+3+21%8

Quality

Margins

EBIT Margin0%7

Net Income Margin50%10

Free Cash Flow Margin-192%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE16%7

ROA2%4

Earnings Stability77

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)710

P/E Ratio (Forward 3y)510

P/BV1.39

EV Multiples

EV/EBITDA Fwd010

EV/EBIT Fwd010

Yield

Free Cash Flow Yield0.0%10

Dividend Yield2.2%6

Momentum

Short term

1 month return+2%8

3 month return-4%5

YTD return-5%4

Mid term

Price vs 52wHigh79%5

1 year return-15%3

Long term

3 year return+119%8

5 year return+40%5

Risk Shield

Price Risk

Beta0.67

Volatility32%6

Free Cash Flow

Free Cash Flow Margin-192%1

Free Cash Flow Yield0.0%10

Quality

ROCE9%4

Earnings Stability77

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

TCBVietnam Technological and Commercial Joint Stock Bank

Revenue FY25$1.9B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+4%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+22%–

Revenue, next 5Y, CAGR+17%9

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+17%8

EPS growth, FY27E+21%8

EPS growth, FY28E+21%8

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 22%/yr over the next 3 years, ahead of most of the market.9/10

Revenue grew 4%/yr over the last 3 years and is set to grow 22%/yr from here.

The runway holds up: revenue is set to grow 17%/yr over five years.9/10

Earnings are set to grow in step with sales (EPS about 21%/yr vs revenue 22%/yr).

WATCH

None flagged.

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.

03Price Momentum

Is the market behind it right now?

TCBVietnam Technological and Commercial Joint Stock Bank

Total return Current138%

Price return Current124%

MOMENTUM RATING↗

AVERAGE49 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+2%8

3-month return-4%5

YTD return-5%4

MID & LONG-TERM▾SCORE

% of 52-week high79%5

1-year return-15%3

3-year return+119%8

5-year return+40%5

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +119% over three years and +40% over five, ahead of 60% of the market.

Strong recent results. The stock is outperforming over the past month (+2%).

WATCH

It's down 15% over the past year, now 21% below its 52-week high. That is a touch behind the market.

Returns sit at the market level over three months (-4%) and so far this year (-5%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout.

04Value

Are you paying a fair price for it?

Stop guessing on Vietnam Technological and Commercial Joint Stock Bank. 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?

TCBVietnam Technological and Commercial Joint Stock Bank

Revenue FY25$1.9B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+4%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+22%–

Revenue, next 5Y, CAGR+17%9

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+17%8

EPS growth, FY27E+21%8

EPS growth, FY28E+21%8

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 22%/yr over the next 3 years, ahead of most of the market.9/10

Revenue grew 4%/yr over the last 3 years and is set to grow 22%/yr from here.

The runway holds up: revenue is set to grow 17%/yr over five years.9/10

Earnings are set to grow in step with sales (EPS about 21%/yr vs revenue 22%/yr).

WATCH

None flagged.

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.

03Price Momentum

Is the market behind it right now?

TCBVietnam Technological and Commercial Joint Stock Bank

Total return Current138%

Price return Current124%

MOMENTUM RATING↗

AVERAGE49 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+2%8

3-month return-4%5

YTD return-5%4

MID & LONG-TERM▾SCORE

% of 52-week high79%5

1-year return-15%3

3-year return+119%8

5-year return+40%5

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +119% over three years and +40% over five, ahead of 60% of the market.

Strong recent results. The stock is outperforming over the past month (+2%).

WATCH

It's down 15% over the past year, now 21% below its 52-week high. That is a touch behind the market.

Returns sit at the market level over three months (-4%) and so far this year (-5%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout.

04Value

Are you paying a fair price for it?

Stop guessing on Vietnam Technological and Commercial Joint Stock Bank. 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