EVF.VN EVN Finance JSC

Financial Services Financial Conglomerates Vietnam Stocks
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11,800 VND
Close of Oct 30, 2026
10,750 15,100
Market cap
VND 8.78T
P/E
9.6x
P/B
0.87x
ROE
10.6%
Dividend yield
0.01%
Fundamental score
3.1/5

Ratios use the latest price and the current fiscal year annualized from 2 quarters up to Jun 2026.

Is EVF.VN undervalued?

Graham number
Price11,800
Graham value19,379
Discount39.1%

EVF.VN trades 39.1% below its Graham number.

Graham number = √(22.5 × EPS × book value per share): the most a defensive investor should pay according to Benjamin Graham. An estimate, not a recommendation to buy or sell. How is it calculated?

EVN Finance JSC fundamental analysis

12 of 18 checks passed

ROE 1/2

Moderate return on equity (10.6%), between 10% and 20%.

ROA 0/1

Return on assets (1.2%) is below the industry median (3.6%).

Profit Consistency 2/2

Profitable for 6 consecutive years.

Earnings Growth 5Y 0/1

Earnings per share history is shorter than 5 years.

Earnings Acceleration 0/1

Not enough positive earnings history to compare last year's growth with the 5-year average.

Earnings Growth vs Industry 1/1

Last year's EPS growth (59.5%) is above the industry median (17.5%).

Revenue Growth 2/2

Revenue grew 20.5% a year over the past 3 years.

Leverage 2/2

Total assets are 8.8x equity, within a prudent level for a financial company.

Equity Growth 1/1

Shareholders' equity grew over the past 5 years.

PE vs Market 1/1

PE (9.4x) is below the market median (11.2x).

PE vs Industry 1/1

PE (9.4x) is below the industry median (11.2x).

PBV 1/1

Price to book (0.9x) is below the industry median (1.2x).

Graham Number 1/1

The price is below the Graham number (PE x PB = 8.0, limit 22.5).

PEG 0/1

PEG needs positive PE and positive 5-year earnings growth.

Dividend Yield 0/2

Dividend yield (0.0%) is in the bottom 25% of dividend payers in the market.

Dividend Stability 0/2

Dividends were not paid steadily for the past 5 years.

Dividend Growth 1/1

Dividends paid grew over the past 5 years.

Payout Ratio 1/1

Payout ratio is 0.1%, covered by earnings.

Each check is worth 1 or 2 points by how much it says about the quality of the company. The score is the share of points earned, out of 5. Ask AI to explain this score

EVN Finance JSC stock price

Prices on the chart can differ slightly from the closing prices StockSummer uses for its ratios.

About EVN Finance JSC

EVF General Finance Joint Stock Company provides financial services in Vietnam. The company offers capital mobilization, including receiving deposits; issuing certificates of deposits, promissory notes, bills, and bonds; borrowing from domestic and foreign financial organizations and credit institutions under regulations; and receiving refinancing loans from the SBV. It is also involved in credit activities, such as loans and consumer loans; and discounting and re-discountin…

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