Stocktoria
Ho Chi Minh City Development Joint Stock Commercial Bank HDB.VN
Ho Chi Minh City Development Joint Stock Commercial Bank (HDB.VN) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 2.13% (safety: no dividend). FY2025 revenue was ₫42.67T at a 38.7% 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 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, agriculture, car, consumer, and real estate loans; overdraft, paper discount, and intermediary payment services; foreign exchange and international transfers; debit, prepaid, and credit cards; remittance services; and collection and payment services, hold, nostro accounts, money deposits, and other services. It also provides working capital financing, medium and long-term loans, and guarantees; supply chain financing, import and export financing and services, and cross-border payments; and derivatives services. In addition, the company offers cash management, such as deposit and online deposit, collection services, cash payment services, authorized payment services, payroll/commission payment services, collection and disbursement services, digital cash services, bill payments, tax payments, and counter and electronic tax payments. Further, it provides online banking services, such as internet banking, SMS banking, and mobile banking, as well as ATM services. Ho Chi Minh City Development Joint Stock Commercial Bank was founded in 1989 and is headquartered in Ho Chi Minh City, Vietnam.
FAQ
Is HDB.VN financially healthy?
Ho Chi Minh City Development Joint Stock Commercial Bank's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does HDB.VN pay a dividend, and is it safe?
Yes. Ho Chi Minh City Development Joint Stock Commercial Bank pays a dividend yielding about 2.13% with a None payout ratio, rated “no dividend” for safety.
How profitable is HDB.VN?
In FY2025, Ho Chi Minh City Development Joint Stock Commercial Bank had a net margin of 38.7% and a return on equity of 21.8%.
Is HDB.VN overvalued or undervalued?
Ho Chi Minh City Development Joint Stock Commercial Bank trades at about 8.2× trailing earnings — below its 10-year norm (10-year range 8.0×–13.5×, median 12.4×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for HDB.VN?
The average Wall-Street price target for Ho Chi Minh City Development Joint Stock Commercial Bank is ₫31,803.33, about 16.9% above the recent price, from 6 analysts (consensus: strong buy).
Is HDB.VN a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Ho Chi Minh City Development Joint Stock Commercial Bank: a Piotroski F-score of 4/9, a P/E of about 8.3×, a dividend yield of 2.13%. 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.