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Sai Gon - Hanoi Commercial Joint Stock Bank

Sai Gon - Hanoi Commercial Joint Stock Bank

HHOSE:SHB
10,800.00
VND
0.00
(0.00%)
63.27TMarket Cap
Oct 23Next Earn
Sai Gon - Hanoi Commercial Joint Stock Bank
HOSE:SHB
(Ho Chi Minh Stock Exchange)

Recent

price

10,800.00

P/E

ratio

- -

div

yld

0.00%

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
VND
1,841.05
1,436.48
1,037.33
747.82
975.62
1,216.36
1,362.54
1,803.2
1,923.03
2,648.09
4,215.43
4,252.6
4,064.82
4,133.23
4,486.26
4,777.25
- -
Revenue per Share
606.28
485.3
596.73
267.01
248.41
249.84
261.31
440.4
478.51
691.85
901.87
1,198.34
1,675.21
1,428.59
1,798.67
2,307.73
- -
Basic EPS, GAAP
2,451.78
7,302.26
-3,315.29
1,412.92
4,078.75
1,603.24
-2,290.23
1,864.08
543.93
4,529.87
-2,140.36
4,184.7
-505.98
7,904.35
2,264.68
6,670.02
7,378.06
Free Cash Flow per Basic Share
501.63
394.34
95.55
0.33
189.69
0.87
0.08
0.09
0.17
0.12
0.15
0.22
0.03
0.03
336.98
388.19
0.48
Dividend per Share
3,334.63
3,374.38
2,987.56
3,253.76
3,292.84
3,536.38
3,785.33
4,203.65
4,673.33
5,295.65
8,315.06
7,701.25
9,299.32
10,858.61
12,436.35
14,591.87
16,095.83
Book Value per Share
2,218.94
2,162.68
1,761.23
1,926.31
2,113.04
2,363.06
2,772.99
3,194.48
3,441.01
4,059.78
6,816.08
6,738.31
8,334.47
9,884.46
11,472.33
13,583.03
15,089.73
Tangible Book Value per Share
815
1,552
2,827
3,182
3,183
3,183
3,495
3,495
3,495
3,495
2,891
4,178
4,614
5,127
5,183
5,183
4,669
Basic Weighted Avg Shares
1,501,105
2,228,965
2,932,311
2,379,864
3,105,070
3,871,194
4,761,912
6,301,960
6,720,682
9,254,664
12,185,477
17,769,110
18,753,818
21,192,165
23,250,953
24,759,063
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
21,465
47,318
80,921
110,462
118,397
120,727
123,355
116,641
113,073
120,871
66,779
77,724
79,870
105,365
111,262
133,712
- -
Depreciation Expense
494,329
753,029
1,686,841
849,742
790,611
795,130
913,248
1,539,128
1,672,319
2,417,890
2,607,012
5,007,161
7,728,918
7,324,758
9,321,949
11,960,295
- -
Net Income, GAAP
24.73
24.77
7.56
15.03
21.89
21.82
21.05
20.06
20.13
20.11
20.23
20.01
20.23
20.72
19.42
20.37
- -
Effective Tax Rate (%)
32.93
33.78
57.53
35.71
25.46
20.54
19.18
24.42
24.88
26.13
21.39
28.18
41.21
34.56
40.09
48.31
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
1,284,114
11,431,626
11,027,282
25,915,743
10,761,958
12,500,115
31,391,686
35,733,991
31,777,053
46,240,568
51,671,492
56,548,252
43,468,710
49,913,166
51,042,764
79,897,418
86,234,877
LT Debt
4,183,214
5,830,868
9,508,812
10,358,474
10,482,972
11,257,762
13,231,573
14,691,220
16,332,532
18,507,443
24,036,220
35,531,665
42,904,471
50,098,280
58,067,344
68,130,938
75,154,038
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
12.49
6.63
8.92
2.99
2.75
3.53
2.67
3.24
3.39
4.28
3.71
5.97
8.66
7.86
8.92
9.3
- -
Return on Capital (%)
14.98
15.04
22
8.56
7.59
7.32
7.46
11.03
10.78
13.88
12.26
16.81
19.71
15.75
17.24
18.95
- -
Return on Common Equity (%)

Capital Structure

VND

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
4,669
4,669
4,669
Market Capitalization
75,241,403
71,560,801
63,267,158

Working Capital

VND

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
162,498,455
179,567,538
163,103,641
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

VND

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
20.15%
23.72%
17.33%
Free Cash Flow
-212.39%
-441.71%
194.52%
Net Income, GAAP
34.12%
39.35%
28.3%
Sales/Revenue/Turnover
21.19%
16.11%
6.49%
Total Cash Common Dividend
105,843.14%
211,690.76%
15.2%

Quarterly Revenue

VND

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
5,850,127
4,396,868
3,862,065
9,619,836
23,250,953
2025
6,063,519
10,420,648
- -
5,840,685
24,759,063
2026
7,472,915
9,696,588
- -
- -
- -

Quarterly Earnings Per Share

VND

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
695.6
490.31
372.64
447.08
1,798.67
2025
748.82
781.06
- -
484.02
2,307.73
2026
797.99
762.79
- -
- -
- -

Quarterly Dividends Per Share

VND

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.07
0.01
7.42
366.55
336.98
2025
0.02
428.93
- -
0.34
388.19
2026
0.09
0.05
- -
- -
- -
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Business
Sai Gon - Hanoi Commercial Joint Stock Bank (SHB) is a Vietnam-based financial institution primarily engaged in the provision of commercial banking and financial services to individual, small and medium-sized enterprise (SME), and corporate clients. The bank operates through three principal business segments: Retail Banking, Corporate Banking, and Treasury and Investment. Its retail banking offerings include demand and term savings deposits; residential mortgages, automobile loans, home improvement loans, and unsecured consumer credit; international and domestic credit and debit cards; domestic and cross-border remittance services; bancassurance products; and digital banking channels via internet and mobile applications. Its corporate banking portfolio comprises working capital financing, project and syndicated loans, trade finance instruments such as letters of credit and bank guarantees; cash management, liquidity management, and payroll processing; supply chain finance; and foreign exchange and interest rate hedging solutions. In addition, the bank provides interbank money market transactions, government and corporate bond underwriting and trading, and asset management services. Founded in 1993 and headquartered in Hanoi, Vietnam, SHB operates an extensive nationwide network of branches and transaction offices across Vietnam, alongside wholly-owned banking subsidiaries in Cambodia and Laos. In recent operational developments, SHB finalized the strategic transfer of a 50% equity interest in its consumer finance subsidiary, SHB Finance Company Limited, to Thailand-based Bank of Ayudhya Public Company Limited (Krungsri), a member of Japan's Mitsubishi UFJ Financial Group (MUFG), with agreements in place to transfer the remaining 50% stake. The bank has also accelerated its enterprise-wide digital transformation roadmap by upgrading core banking architectures, integrating artificial intelligence into automated credit scoring, and scaling green credit portfolios in partnership with international multilateral financial institutions.