Stock ACB ASIA COMMERCIAL JOINT STOCK BANK
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Financials Asia Commercial Joint Stock Bank HANOI S.E.

Equities

ACB

VN000000ACB8

Banks

End-of-day quote HANOI S.E.
Other stock markets
 18:00:00 2021-07-08 EDT 		5-day change 1st Jan Change
35,200 VND -2.76% Intraday chart for Asia Commercial Joint Stock Bank -7.25% +56.58%
07-03 Asia Commercial Joint Stock Bank Appoints Nguyen Van Hoa as Deputy CEO CI
06-14 Asia Commercial Joint Stock Bank Announces the Credit Limit Renew to Galaxy Studio Joint Stock Company CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 37,768,548 60,739,793 93,217,209 73,965,829 92,828,804 107,646,456 - -
Enterprise Value (EV) 1 37,768,548 60,739,793 93,217,209 73,965,829 92,828,804 107,646,456 107,646,456 107,646,456
P/E ratio 6.4 x 8 x 9.86 x 5.46 x 5.84 x 6.33 x 5.23 x 4.56 x
Yield - - - - - 3.61% 3.97% 4.51%
Capitalization / Revenue 2.35 x 3.34 x 3.96 x 2.57 x 3.33 x 3.01 x 2.59 x 2.3 x
EV / Revenue 2.35 x 3.34 x 3.96 x 2.57 x 3.33 x 3.01 x 2.59 x 2.3 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.36 x 1.71 x 2.08 x 1.27 x 1.31 x 1.28 x 1.06 x 0.9 x
Nbr of stocks (in thousands) 4,449,944 4,466,658 4,466,658 4,466,658 4,466,658 4,466,658 - -
Reference price 2 8,487 13,598 20,870 16,560 20,783 24,100 24,100 24,100
Announcement Date 20-01-21 21-01-25 22-01-25 23-03-09 24-01-26 - - -
1VND in Million2VND
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 16,068,645 18,161,309 23,563,997 28,790,067 27,881,907 35,773,715 41,544,563 46,711,981
EBITDA - - - - - - - -
EBIT 1 7,789,757 10,537,041 15,334,221 17,185,022 21,872,230 23,239,281 27,523,795 31,305,000
Operating Margin 48.48% 58.02% 65.07% 59.69% 78.45% 64.96% 66.25% 67.02%
Earnings before Tax (EBT) 1 7,515,936 9,595,888 11,998,112 17,114,208 20,067,999 21,531,752 25,838,144 29,760,000
Net income 1 5,997,085 7,682,823 9,602,746 13,688,193 16,044,733 17,387,033 20,961,147 24,786,334
Net margin 37.32% 42.3% 40.75% 47.54% 57.55% 48.6% 50.45% 53.06%
EPS 2 1,325 1,699 2,116 3,031 3,558 3,809 4,610 5,288
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - - - - - 869.6 956.5 1,087
Announcement Date 20-01-21 21-01-25 22-01-25 23-03-09 24-01-26 - - -
1VND in Million2VND
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 5,971,221 - 7,305,427 7,920,151 7,671,124 7,119,752 7,016,914 7,896,411 8,212,000 - - - -
EBITDA - - - - - - - - - - - - -
EBIT 1 3,553,777 - 4,646,996 4,900,483 5,538,340 5,556,164 5,365,215 5,404,530 5,394,000 - - - -
Operating Margin 59.52% - 63.61% 61.87% 72.2% 78.04% 76.46% 68.44% 65.68% - - - -
Earnings before Tax (EBT) 1 3,029,760 - 4,914,360 5,156,497 4,832,447 5,035,481 5,043,574 4,892,313 5,046,000 - - - -
Net income 1 2,428,495 3,287,535 3,943,148 4,135,029 3,865,846 4,037,579 4,006,279 3,905,419 4,095,463 4,241,708 4,349,274 4,725,292 5,048,364
Net margin 40.67% - 53.98% 52.21% 50.39% 56.71% 57.09% 49.46% 49.87% - - - -
EPS 2 - 736.2 - - 693.0 - 896.5 874.8 916.9 924.1 936.9 1,058 1,130
Dividend per Share 2 - - - - - - - - - - 869.6 - -
Announcement Date 22-01-25 22-04-27 22-07-27 23-04-28 23-08-14 23-10-24 24-01-26 24-04-25 - - - - -
1VND in Million2VND
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 24.6% 24.3% 23.9% 26.5% 24.8% 22.2% 21.9% 21.2%
ROA (Net income/ Total Assets) 1.68% 1.86% 1.98% 2.41% 2.42% 2.28% 2.34% 2.4%
Assets 1 356,417,746 414,023,280 486,141,143 567,833,444 663,334,422 762,087,792 897,155,740 1,032,191,911
Book Value Per Share 2 6,237 7,936 10,052 13,083 15,886 18,757 22,654 26,766
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 20-01-21 21-01-25 22-01-25 23-03-09 24-01-26 - - -
1VND in Million2VND
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Asia Commercial Joint Stock Bank

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
9
Last Close Price
24,100 VND
Average target price
31,096 VND
Spread / Average Target
+29.03%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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