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Ho Chi Minh City Development Joint Stock Commercial Bank HDB.VN
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Ho Chi Minh City Development Joint Stock Commercial Bank financials (annual)
Bars are annual figures from 2022 to 2025; red bars are negative (a loss or cash outflow).
| Metric | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Revenue | ₫42.67T | ₫34.12T | ₫25.81T | ₫21.08T |
| SG&A expense | ₫3.11T | ₫3.46T | ₫603.2B | ₫343.4B |
| Interest expense | ₫33.25T | ₫27.14T | ₫30.46T | ₫15.31T |
| Income tax | ₫4.27T | ₫3.48T | ₫2.68T | ₫2.06T |
| Net income | ₫16.50T | ₫12.76T | ₫10.07T | ₫7.75T |
| EPS (diluted) | ₫3297.21 | ₫2815.78 | ₫1619.80 | ₫1502.47 |
| Operating cash flow | ₫75.41T | -₫7.38T | ₫80.66T | -₫15.72T |
| Free cash flow | ₫75.06T | -₫7.93T | ₫80.38T | -₫15.84T |
| Cash & equivalents | ₫220.49T | ₫124.01T | ₫133.50T | ₫54.53T |
| Goodwill | — | ₫0 | ₫0 | ₫4.8B |
| Total assets | ₫931.10T | ₫697.37T | ₫602.31T | ₫416.27T |
| Total debt | ₫129.95T | ₫108.72T | ₫103.24T | ₫90.23T |
| Total liabilities | ₫852.82T | ₫640.71T | ₫555.91T | ₫377.28T |
| Shareholders' equity | ₫75.57T | ₫54.49T | ₫44.47T | ₫36.95T |
Growth · year-over-year · Revenue CAGR 26.5%
| Metric | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Revenue growth | +25.1% | +32.2% | +22.4% | — |
| Net income growth | +29.3% | +26.7% | +30.0% | — |
| EPS growth | +17.1% | +73.8% | +7.8% | — |
| Free cash flow growth | — | -109.9% | — | — |
Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.
Computed from company filings · VN · as of 2025-12-31. Figures in VND. Facts plus Stocktoria's own computed scores — not investment advice.