Asia Commercial Joint Stock Bank ACB.VN
Asia Commercial Joint Stock Bank (ACB.VN) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 3.39% (safety: safe). FY2025 revenue was ₫32.83T at a 47.6% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Financial Services · percentile among 234 companies
Percentile vs other Financial Services companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
About Asia Commercial Joint Stock Bank
Asia Commercial Joint Stock Bank provides various banking products and services to personal and business customers in Vietnam. It offers term and demand deposits, current accounts, and time deposits; credit, debit, prepaid, and corporate cards; and life, health, home, motor vehicle, cargo, property all risk, fire and special perils, installation and construction, ship, business interruption, and other insurance products. The company also provides consumer and business loans, including working capital loans, business loans, loans secured by savings books and valuable papers, fixed asset loans, home mortgage, home construction and renovation loans, secured personal loans, car and auto loans, 247 online disbursements, overdrafts, domestic commercial contract financing, commercial construction contract financing, auto distributor/dealer finance, fixed asset investment/investment project financing, real estate project finance, and financing solutions for enterprise in industrial parks. It offers international money transfer, online tax payment, foreign currency exchange and spot services; foreign exchange and financial market products; payment solutions; and bank guarantee services, including domestic, partially unsecured, overseas, joint venture contractor, and future balance guarantee services, as well as guarantee for investors. The company also engages in the debt factoring activities; trust and fiduciary activities; bond trading; online insurance, securities depository, and financial leasing services; securities deposit services; corporate finance consultancy services and securities underwriting services; and investment fund management and asset management services. It provides commodity derivatives; trade securities; discount commercial papers, bonds, and other valuable papers; clearing and settlement services for securities transactions; and digital and other banking services. The company was founded in 1993 and is headquartered in Ho Chi Minh City, Vietnam.
FAQ
Is ACB.VN financially healthy?
Asia Commercial Joint Stock Bank's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does ACB.VN pay a dividend, and is it safe?
Yes. Asia Commercial Joint Stock Bank pays a dividend yielding about 3.39% with a 28.6% payout ratio, rated “safe” for safety.
How profitable is ACB.VN?
In FY2025, Asia Commercial Joint Stock Bank had a net margin of 47.6% and a return on equity of 16.5%.
Is ACB.VN overvalued or undervalued?
Asia Commercial Joint Stock Bank trades at about 8.5× trailing earnings — near its 10-year norm (10-year range 9.0×–11.2×, median 9.4×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for ACB.VN?
The average Wall-Street price target for Asia Commercial Joint Stock Bank is ₫26,738.31, about 17.5% above the recent price, from 14 analysts (consensus: strong buy).
Is ACB.VN a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Asia Commercial Joint Stock Bank: a Piotroski F-score of 4/9, a P/E of about 8.4×, a dividend yield of 3.39%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · VN · as of 2025-12-31. Figures in VND. Facts plus Stocktoria's own computed scores — not investment advice.