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Vietnam Technological and Commercial Joint Stock Bank TCB.VN
Vietnam Technological and Commercial Joint Stock 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 (₫43,915.75); 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
Vietnam Technological and Commercial Joint Stock Bank trades at about 8.9× earnings — below its 10-year norm (10-year range 8.1×–13.6×, median 10.3×).
Shaded band = 10-year range (8.1×–13.6×); dot = today's 8.9×.
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 | 48.3% | 45.2% | 45.2% | 51.1% |
| FCF margin | 75.1% | 82.9% | 27.1% | 137.8% |
| Return on assets | 2.1% | 2.2% | 2.1% | 2.9% |
| Return on equity | 14.9% | 14.8% | 13.8% | 17.9% |
Computed from company filings · VN · as of 2025-12-31. Figures in VND. Facts plus Stocktoria's own computed scores — not investment advice.