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
Jan 25Next Earn

Total Valuation

VND

As of June 30, 2026, Vietnam Technological & Commercial Joint Stock Bank carries a market capitalization of 237.39T, placing it among publicly traded companies globally. Its enterprise value stands at 364.74T, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

Market Cap237.39T
Enterprise Value364.74T

Important Dates

Vietnam Technological & Commercial Joint Stock Bank's next confirmed earnings release is scheduled for January 25, 2027.

Earnings Date1/25/2027

Share Statistics

As of June 30, 2026, Vietnam Technological & Commercial Joint Stock Bank has 7.09B shares outstanding.

Shares Outstanding7.09B

Valuation Ratios

As of June 30, 2026, Vietnam Technological & Commercial Joint Stock Bank trades at a trailing price-to-earnings ratio of 8.80. The price-to-sales ratio is 3.96, and the price-to-book ratio stands at 1.32.

PE Ratio8.80
PS Ratio3.96
PB Ratio1.32
P/TBV Ratio1.37
P/FCF Ratio16.79
P/OCF Ratio16.12

Enterprise Valuation

These figures are as of June 30, 2026. The EV/Sales ratio of 6.09 reflects the premium investors pay for the company's revenue stream, a useful check when earnings are depressed or negative. Vietnam Technological & Commercial Joint Stock Bank trades at an EV/FCF ratio of 25.82, comparing the total takeover cost of the business to the cash it actually generates for all capital providers. These enterprise value multiples are built on an enterprise value of 364.74T versus a market cap of 237.39T, with the gap driven by net debt and cash on the balance sheet.

EV / Sales6.09
EV / FCF25.82

Financial Position

These figures are as of June 30, 2026.

Debt / Equity153.71

Financial Efficiency

VND

Over the twelve months ended June 30, 2026, Vietnam Technological & Commercial Joint Stock Bank posted a return on equity (ROE) of 16.30, showing how much profit the company earns on every dollar of shareholder capital. Return on assets (ROA) stands at 2.38, measuring how efficiently the asset base is converted into earnings. Return on capital employed (ROCE) is 6.18, useful for judging operating efficiency across full business cycles. The company generates approximately 4.79B in revenue per employee across its workforce of 12,490.75, a quick read on workforce productivity versus industry peers.

Return on Equity (ROE)16.30
Return on Assets (ROA)2.38
Return on Capital Employed (ROCE)6.18
Revenue Per Employee4.79B
Employee Count12,490.75

Taxes

VND

Over the twelve months ended June 30, 2026, Vietnam Technological & Commercial Joint Stock Bank recorded 7.59T in income tax expense. That works out to an effective tax rate of 21.32, which can sit above or below the statutory corporate tax rate depending on foreign earnings mix, tax credits, and one-off items. Taxes are levied on pretax income of 35.59T, leaving 26.94T in net income after tax - the gap is what shifts in the tax rate do to reported earnings and EPS.

Income Tax7.59T
Effective Tax Rate21.32

Stock Price Statistics

VND

As of the close on October 22, 2026, Vietnam Technological & Commercial Joint Stock Bank's stock has declined approximately 10.13% over the past 52 weeks. The 50-day moving average sits at 32,419.00, while the 200-day moving average is 32,584.75.

52-Week Price Change-10.13%
50-Day Moving Average32,419.00
200-Day Moving Average32,584.75

Income Statement

VND

Over the twelve months ended June 30, 2026, Vietnam Technological & Commercial Joint Stock Bank generated 59.86T in revenue and converted that into 26.94T in net income, yielding earnings per share of 3,954.92.

Revenue59.86T
Pretax Income35.59T
Net Income26.94T
Earnings Per Share (EPS)3,954.92

Balance Sheet

VND

As of June 30, 2026, Vietnam Technological & Commercial Joint Stock Bank holds 172.99T in cash and equivalents against 290.51T in total debt, resulting in a net debt position of -172.99T.

Cash & Cash Equivalents172.99T
Total Debt290.51T
Net Debt-172.99T
Equity (Book Value)179.16T
Book Value Per Share25,283.12

Cash Flow

VND

Vietnam Technological & Commercial Joint Stock Bank produced 14.72T in operating cash flow over the twelve months ended June 30, 2026. After subtracting -590.59B in capital expenditures, free cash flow totaled 14.13T - equivalent to 1,995.10 per share.

Operating Cash Flow14.72T
Capital Expenditures-590.59B
Free Cash Flow14.13T
FCF Per Share1,995.10

Margins

These figures cover the twelve months ended June 30, 2026.

Pretax Margin59.46
Profit Margin45.01

Dividends & Yields

These figures cover the twelve months ended June 30, 2026. Free cash flow yield stands at 5.96, showing how much cash the business generates relative to its market value - dividends covered by free cash flow are generally more durable than those funded by debt. Total shareholder yield reaches 4.44, combining dividends paid with share buybacks and debt reduction for a fuller picture of capital returned to Vietnam Technological & Commercial Joint Stock Bank shareholders.

Shareholder Yield4.44
FCF Yield5.96

Stock Splits

Vietnam Technological & Commercial Joint Stock Bank's most recent stock split took place on June 20, 2024 with a 1:2 split ratio.

Last Split Date6/20/2024
Split Ratio1:2