HDB.VN Ho Chi Minh City Development Joint Stock Commercial Bank

Financial Services Banks - Regional Vietnam Stocks
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22,450 VND
Close of Oct 29, 2026
17,230 23,450
Market cap
VND 146T
P/E
9.6x
P/B
1.73x
ROE
24.1%
Dividend yield
-
Fundamental score
2.9/5

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

Is HDB.VN undervalued?

Graham number
Price22,450
Graham value26,159
Discount14.2%

HDB.VN trades 14.2% 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?

Ho Chi Minh City Development Joint Stock Commercial Bank fundamental analysis

11 of 18 checks passed

ROE 2/2

High return on equity (24.1%), above 20%.

ROA 1/1

Return on assets (2.0%) is above the industry median (1.4%).

Profit Consistency 2/2

Profitable for 6 consecutive years.

Earnings Growth 5Y 1/1

Earnings per share grew over the past 5 years.

Earnings Acceleration 0/1

Last year's EPS growth (17.1%) is not above the 5-year average (20.6% a year).

Earnings Growth vs Industry 1/1

Last year's EPS growth (17.1%) is above the industry median (16.3%).

Revenue Growth 2/2

Revenue grew 25.8% a year over the past 3 years.

Leverage 1/2

Total assets are 12.2x 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 (9.6x) is below the market median (11.2x).

PE vs Industry 0/1

PE (9.6x) is above the industry median (7.8x).

PBV 0/1

Price to book (1.7x) is above the industry median (1.2x).

Graham Number 1/1

The price is below the Graham number (PE x PB = 16.6, limit 22.5).

PEG 1/1

PEG on 5-year earnings growth is 0.46, growth is cheap.

Dividend Yield 0/2

No dividend paid in the last reported year.

Dividend Stability 0/2

Dividends were not paid steadily for the past 5 years.

Dividend Growth 0/1

Dividends paid did not grow over the past 5 years.

Payout Ratio 0/1

No dividend, or no profit to pay it from.

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

Ho Chi Minh City Development Joint Stock Commercial Bank stock price

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

About Ho Chi Minh City Development Joint Stock Commercial Bank

Ho Chi Minh City Development Joint Stock Commercial Bank provides various banking products and services to individuals and corporates in Vietnam and internationally. The company offers current account, savings, demand, online saving, and regular term deposits; health, hospital allowance, death and disability, accident, critical illness, home, civil liability for car, borrower, assets risks, fire and special risks, and protection and investment insurances; business, agricultu…

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