Stocktoria
Ho Chi Minh City Development Joint Stock Commercial Bank HDB.VN
Ho Chi Minh City Development Joint Stock Commercial Bank statistics & valuation
Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value (₫33,467.70); a green figure means the price is below it.
Profitability & efficiency
Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).
P / E vs its own history
Ho Chi Minh City Development Joint Stock Commercial Bank trades at about 8.2× earnings — below its 10-year norm (10-year range 8×–13.5×, median 12.4×).
Shaded band = 10-year range (8×–13.5×); dot = today's 8.2×.
Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.
Key ratios (by fiscal year)
| Ratio | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Net margin | 38.7% | 37.4% | 39.0% | 36.8% |
| FCF margin | 175.9% | -23.2% | 311.4% | -75.1% |
| Return on assets | 1.8% | 1.8% | 1.7% | 1.9% |
| Return on equity | 21.8% | 23.4% | 22.6% | 21.0% |
Computed from company filings · VN · as of 2025-12-31. Figures in VND. Facts plus Stocktoria's own computed scores — not investment advice.