Vietnam Technological & Commercial Joint Stock Bank

Vietnam Technological & Commercial Joint Stock Bank

HHOSE:TCB
34,150.00
VND
-250.00
(-0.73%)
3,954.92EPS
8.80P/E
237.39TMarket Cap
Oct 26Next Earn
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
1,574.67
2,055.03
2,822.32
3,681.35
2,875.28
3,769.88
5,192.26
5,616.38
5,659.98
6,764.43
7,400.2
8,453.7
Basic EPS, GAAP
287.07
591.13
1,210.02
1,912.31
1,440.29
1,760.54
2,574.07
2,867.95
2,555.54
3,054.37
3,577.38
3,805.18
Free Cash Flow per Basic Share
-1,021.7
265.16
1,274.92
-23.21
1,768.91
-1,536.27
1,695.14
7,736.68
1,535.96
5,606.67
5,553.95
1,995.1
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
739.4
1,002.18
- -
Book Value per Share
3,089.55
2,800.8
3,851
7,394.83
8,825.65
10,575.32
13,129.71
15,963.67
18,495.22
20,583.47
23,996.43
25,283.12
Tangible Book Value per Share
3,017.56
2,652.72
3,713.52
7,261.76
8,480.77
10,127.02
12,617.63
15,293.46
17,733.67
19,749.74
23,180.88
24,416.79
Basic Weighted Avg Shares
5,327
5,327
5,327
4,425
6,995
7,001
7,013
7,026
7,045
7,047
7,069
7,081
Sales/Revenue/Turnover
8,388,031
10,946,820
15,034,087
16,291,520
20,113,210
26,391,669
36,413,851
39,461,005
39,874,695
47,666,178
52,315,591
59,859,762
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
276,637
274,912
281,141
259,603
254,986
386,763
608,149
757,167
1,215,940
1,581,263
1,927,240
- -
Net Income, GAAP
1,529,188
3,148,846
6,445,595
8,462,775
10,075,139
12,324,991
18,052,250
20,150,377
18,003,802
21,522,928
25,290,230
26,944,066
Effective Tax Rate (%)
24.94
21.21
19.79
20.51
20.35
20.37
20.75
20.07
20.52
20.98
20.23
21.32
Profit Margin (%)
18.23
28.76
42.87
51.95
50.09
46.7
49.58
51.06
45.15
45.15
48.34
45.01
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
21,137,100
20,773,434
42,689,420
20,630,064
40,094,932
54,152,363
100,532,373
145,548,720
191,671,246
203,109,415
280,616,836
290,509,207
Total Equity
16,457,566
19,586,476
26,930,745
51,782,705
62,072,767
74,614,786
93,041,472
113,424,966
131,616,065
147,939,621
179,501,442
188,997,150
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
8.08
11.72
11.9
11.37
10.45
10.98
8.78
6.12
6.31
6.07
6.18
Return on Common Equity (%)
- -
17.47
27.71
21.52
17.75
18.14
21.71
19.71
14.84
15.61
16.03
16.3

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
7,086
7,086
7,086
Market Capitalization
247,309,790
217,547,581
237,389,054

Working Capital

VND

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
195,927,628
182,426,746
172,988,295
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
28.52%
19.28%
21.33%
Free Cash Flow
-1,184.74%
66.22%
-0.62%
Net Income, GAAP
36.78%
16.9%
17.5%
Sales/Revenue/Turnover
20.76%
15.34%
9.75%
Total Cash Common Dividend
- -
- -
35.98%

Quarterly Revenue

VND

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
12,190,560
15,126,682
13,317,941
13,776,447
47,666,178
2025
11,383,471
14,052,624
- -
15,551,462
52,315,591
2026
13,678,560
16,577,116
- -
- -
- -

Quarterly Earnings Per Share

VND

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
883.03
879.11
814.41
477.16
3,054.37
2025
841.91
884.29
- -
942.05
3,577.38
2026
941.41
1,037.23
- -
- -
- -

Quarterly Dividends Per Share

VND

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
739.4
2025
- -
- -
- -
- -
1,002.18
2026
- -
- -
- -
- -
- -

Company Description

CEO
Jens Lottner
Full Time Employees
12,705
Sector
Finance
Industry
Major banks
Address
Hanoi Vietnam
IPO Date
Jun 4, 2018
Business
Vietnam Technological & Commercial Joint Stock Bank, commonly known as Techcombank, is a Vietnam-based commercial banking institution providing a comprehensive range of personal, business, and institutional financial products and services. Founded in 1993 and headquartered in Hanoi, Vietnam, the bank operates across four principal business segments: Retail Banking, Corporate and Institutional Banking, Global Transaction Services, and Wealth Management and Treasury. The company offers a broad portfolio of financial solutions, including demand deposits, savings accounts, certificates of deposit, and term deposits; residential mortgages, auto loans, personal loans, and credit lines; corporate credit facilities, syndicated loans, project financing, and working capital loans; domestic and international payments, cash and liquidity management, escrow services, and merchant acquiring; trade finance, including letters of credit, bank guarantees, and supply chain financing; treasury, foreign exchange, and interest rate derivative solutions; securities brokerage, equity research, debt capital market underwriting, bond distribution, and wealth management services; and life, health, and property and casualty insurance products. Techcombank delivers these solutions to retail individuals, high-net-worth clients, small- and medium-sized enterprises, and large corporate entities through an extensive nationwide network of transaction offices and branches across Vietnam, as well as proprietary digital platforms comprising the Techcombank Mobile and Techcombank Business applications. The bank conducts its diversified operations directly and through key subsidiaries, including Techcom Securities Joint Stock Company (TCBS), which provides securities brokerage and investment banking; Techcom Capital Joint Stock Company, which provides fund and asset management; Techcombank Asset Management Company Limited (Techcombank AMC), which manages distressed debt and collateral assets; and Techcom Life Insurance Joint Stock Company alongside Techcom General Insurance, which provide life and non-life underwriting solutions. In recent operational developments, Techcombank concluded its long-term exclusive bancassurance agreement with Manulife Vietnam to establish and scale its own in-house insurance operations, launching Techcom Life Insurance Joint Stock Company and Techcom General Insurance with dedicated capital injections, digital sales platforms, and proprietary health coverage offerings. In technological operations, the bank expanded its cloud-first enterprise partnership with Amazon Web Services (AWS) to modernize core banking infrastructure and integrate generative artificial intelligence capabilities into engineering and customer workflows. Furthermore, the bank advanced the strategic capitalization and digital wealth management capabilities of its wealthtech subsidiary, Techcom Securities, reinforcing its distribution network in Vietnamese debt and equity capital markets.