VPB.VN Vietnam Prosperity Joint Stock Commercial Bank

Financial Services Banks - Regional Vietnam Stocks
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22,950 VND
Close of Oct 30, 2026
18,377 24,500
Market cap
VND 228T
P/E
7.4x
P/B
1.36x
ROE
14.2%
Dividend yield
1.74%
Fundamental score
3.5/5

Ratios use the latest price and the current fiscal year annualized from 1 quarter up to Mar 2026.

Is VPB.VN undervalued?

Graham number
Price22,950
Graham value34,426
Discount33.3%

VPB.VN trades 33.3% 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?

Vietnam Prosperity Joint Stock Commercial Bank fundamental analysis

15 of 18 checks passed

ROE 1/2

Moderate return on equity (14.2%), between 10% and 20%.

ROA 1/1

Return on assets (1.8%) is above the industry median (1.4%).

Profit Consistency 2/2

Profitable for 7 consecutive years.

Earnings Growth 5Y 1/1

Earnings per share grew over the past 5 years.

Earnings Acceleration 1/1

Last year's EPS growth (52.0%) is above the 5-year average (15.4% a year).

Earnings Growth vs Industry 1/1

Last year's EPS growth (52.0%) is above the industry median (16.3%).

Revenue Growth 1/2

Revenue grew 8.8% a year over the past 3 years.

Leverage 2/2

Total assets are 7.9x 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 (7.3x) is below the market median (11.2x).

PE vs Industry 1/1

PE (7.3x) is below the industry median (7.8x).

PBV 0/1

Price to book (1.3x) is above the industry median (1.2x).

Graham Number 1/1

The price is below the Graham number (PE x PB = 9.9, limit 22.5).

PEG 1/1

PEG on 5-year earnings growth is 0.48, growth is cheap.

Dividend Yield 1/2

Dividend yield (1.7%) is above 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 0/1

Dividends paid did not grow over the past 5 years.

Payout Ratio 1/1

Payout ratio is 16.5%, 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

Vietnam Prosperity Joint Stock Commercial Bank stock price

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

About Vietnam Prosperity Joint Stock Commercial Bank

Vietnam Prosperity Joint Stock Commercial Bank provides various banking products and services to organizations and individuals in Vietnam. It operates through Banking and Credit Granting, Finance Company, Asset and Liabilities Management, Securities, and Insurance segments. The company offers deposit products, including current and savings accounts; term and demand deposits; loans, including unsecured and secured loans; bancassurance; and card services. It also provides tap …

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