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Vietnam Prosperity Joint Stock Commercial Bank (VPB) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Vietnam Prosperity Joint Stock Commercial Bank

VPBMarket cap $8.92BPrice $0.9

Country🇻🇳Vietnam

SectorFinancials

IndustryBanks

Provides commercial and retail banking across Vietnam, from loans to digital payments, serving millions in one of Southeast Asia's fastest-growing economies. Backed by SMBC, it's ridden the consumer credit boom to become one of Vietnam's largest private banks.

In Bastion Portfolios?

52W Return-25%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+8%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+23%–

Rev CAGR (5y)+18%9

Earnings Forecast

EPS Growth Y+1+3%5

EPS Growth Y+2+20%8

EPS Growth Y+3+19%8

Quality

Margins

EBIT Margin0%7

Net Income Margin52%10

Free Cash Flow Margin-378%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE18%7

ROA2%4

Earnings Stability55

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)810

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 Yield1.7%5

Momentum

Short term

1 month return+7%10

3 month return+6%8

YTD return+4%5

Mid term

Price vs 52wHigh86%7

1 year return-4%4

Long term

3 year return+61%6

5 year return+42%5

Risk Shield

Price Risk

Beta0.48

Volatility33%6

Free Cash Flow

Free Cash Flow Margin-378%1

Free Cash Flow Yield0.0%10

Quality

ROCE13%4

Earnings Stability55

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

VPBVietnam Prosperity Joint Stock Commercial Bank

Revenue FY25$1.9B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+8%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+23%–

Revenue, next 5Y, CAGR+18%9

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+3%5

EPS growth, FY27E+20%8

EPS growth, FY28E+19%8

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 23%/yr over the next 3 years, ahead of most of the market.9/10

Revenue grew 8%/yr over the last 3 years and is set to grow 23%/yr from here.

The runway holds up: revenue is set to grow 18%/yr over five years.9/10

Earnings are set to grow in step with sales (EPS about 19%/yr vs revenue 23%/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?

VPBVietnam Prosperity Joint Stock Commercial Bank

Total return Current143%

Price return Current116%

MOMENTUM RATING↗

STRONG70 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+7%10

3-month return+6%8

YTD return+4%5

MID & LONG-TERM▾SCORE

% of 52-week high86%7

1-year return-4%4

3-year return+61%6

5-year return+42%5

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over the past month (+7%) and over three months (+6%).

WATCH

Average long-term results. Multi-year returns are middling (+61% over three years and +42% over five), roughly average for the market.

It's down 4% over the past year, now 14% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level so far this year (+4%).

WEAKNESSES

None flagged.

BOTTOM LINE

Fresh Momentum

Short-term returns are strong but the long track record is thin. Momentum is building — confirmation from longer horizons would strengthen the case.

04Value

Are you paying a fair price for it?

Stop guessing on Vietnam Prosperity Joint Stock Commercial 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?

VPBVietnam Prosperity Joint Stock Commercial Bank

Revenue FY25$1.9B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+8%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+23%–

Revenue, next 5Y, CAGR+18%9

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+3%5

EPS growth, FY27E+20%8

EPS growth, FY28E+19%8

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 23%/yr over the next 3 years, ahead of most of the market.9/10

Revenue grew 8%/yr over the last 3 years and is set to grow 23%/yr from here.

The runway holds up: revenue is set to grow 18%/yr over five years.9/10

Earnings are set to grow in step with sales (EPS about 19%/yr vs revenue 23%/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?

VPBVietnam Prosperity Joint Stock Commercial Bank

Total return Current143%

Price return Current116%

MOMENTUM RATING↗

STRONG70 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+7%10

3-month return+6%8

YTD return+4%5

MID & LONG-TERM▾SCORE

% of 52-week high86%7

1-year return-4%4

3-year return+61%6

5-year return+42%5

MOMENTUM ASSESSMENT

STRENGTHS

Strong recent results. The stock is outperforming over the past month (+7%) and over three months (+6%).

WATCH

Average long-term results. Multi-year returns are middling (+61% over three years and +42% over five), roughly average for the market.

It's down 4% over the past year, now 14% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level so far this year (+4%).

WEAKNESSES

None flagged.

BOTTOM LINE

Fresh Momentum

Short-term returns are strong but the long track record is thin. Momentum is building — confirmation from longer horizons would strengthen the case.

04Value

Are you paying a fair price for it?

Stop guessing on Vietnam Prosperity Joint Stock Commercial 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