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Vietnam Prosperity Joint-Stock Commercial Bank

Vietnam Prosperity Joint-Stock Commercial Bank

HHOSE:VPB
23,950.00
VND
-50.00
(-0.21%)
168.07TMarket Cap
Jan 22Next Earn
Vietnam Prosperity Joint-Stock Commercial Bank
HOSE:VPB
(Ho Chi Minh Stock Exchange)

Recent

price

23,950.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
VND
2,733.53
3,836.83
4,499.23
5,049.6
5,982.82
6,863.56
8,699.28
7,200.54
7,885.9
9,438.34
- -
Revenue per Share
636.59
983.94
1,055.19
1,172.99
1,581.99
1,764.35
2,717.63
1,433.28
1,988.78
3,023.72
- -
Basic EPS, GAAP
-1,069.64
1,407.11
1,229.09
-456.63
196.58
764.13
87.75
1,631.36
7,216.69
5,596.14
- -
Free Cash Flow per Basic Share
23.69
22.89
21.01
- -
- -
- -
- -
1,140.12
1,000.24
500.15
- -
Dividend per Share
2,778.88
3,601.26
4,934.66
6,040.68
7,503.01
11,753.03
14,424.95
16,969.04
17,885.85
21,162.71
21,943.96
Book Value per Share
2,744.28
3,558.72
4,852.65
5,957.64
7,410.54
11,654.65
14,300.65
16,875.23
17,806.68
21,093.45
21,875.92
Tangible Book Value per Share
6,181
6,397
6,971
7,042
6,583
6,643
6,685
6,959
7,934
7,934
8,450
Basic Weighted Avg Shares
16,897,202
24,544,406
31,363,488
35,559,498
39,383,038
45,597,017
58,156,595
50,107,389
62,566,096
74,883,048
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
177,433
244,832
313,939
373,782
380,432
379,228
366,377
437,800
511,641
549,588
- -
Depreciation Expense
3,935,045
6,440,767
7,355,568
8,260,263
10,413,760
11,721,208
18,167,968
9,973,939
15,778,795
23,989,930
- -
Net Income, GAAP
20.17
20.78
20.04
19.99
20.01
20.1
20.32
21.38
20.12
20.47
- -
Effective Tax Rate (%)
23.29
26.24
23.45
23.23
26.44
25.71
31.24
19.91
25.22
32.04
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
65,439,106
96,662,850
82,073,942
96,615,164
110,172,482
148,911,868
152,670,213
120,931,252
156,879,810
261,557,789
300,745,152
LT Debt
17,177,528
29,695,710
34,750,069
42,209,742
52,793,502
86,278,147
103,501,920
139,795,527
147,275,262
180,275,629
186,604,801
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
6.16
6.05
6.46
6.9
6.01
7.91
4.43
5.51
6.33
- -
Return on Capital (%)
- -
26.86
22.83
21.47
21.92
17.87
20.74
8.62
11.41
15.49
- -
Return on Common Equity (%)

Capital Structure

VND

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
10,000
7,934
7,934
Market Capitalization
246,743,913
180,342,673
168,068,041

Working Capital

VND

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
197,308,420
210,510,437
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
- -
29.24%
22.41%
Free Cash Flow
- -
484.18%
-22.46%
Net Income, GAAP
- -
26.54%
52.04%
Sales/Revenue/Turnover
- -
14.81%
19.69%
Total Cash Common Dividend
- -
- -
-50%

Quarterly Revenue

VND

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
13,213,845
17,047,900
16,175,330
18,962,012
62,566,096
2025
15,737,885
17,210,043
- -
23,584,420
74,883,048
2026
19,956,098
- -
- -
- -
- -

Quarterly Earnings Per Share

VND

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
449.55
449.57
507.67
581.98
1,988.78
2025
490.92
612.86
- -
1,002.93
3,023.72
2026
781.29
- -
- -
- -
- -

Quarterly Dividends Per Share

VND

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1,000.24
2025
- -
- -
- -
- -
500.15
2026
- -
- -
- -
- -
- -
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Business
Vietnam Prosperity Joint-Stock Commercial Bank (VPBank) is a financial institution that provides retail, commercial, corporate, and consumer finance banking products and services to individual consumers, small and medium-sized enterprises, and corporate clients in Vietnam. Founded in 1993 and headquartered in Hanoi, Vietnam, the bank operates through a nationwide network of branches, transaction offices, and digital channels. VPBank offers a comprehensive suite of financial solutions, including: retail banking products, comprising demand deposits, term savings, certificates of deposit, residential mortgage loans, automotive financing, unsecured personal loans, credit and debit cards, wealth management, bancassurance, and foreign exchange services; small and medium enterprise (SME) and commercial banking services, comprising working capital credit facilities, term loans, trade finance, letters of credit, bank guarantees, supply chain finance, cash management, merchant payment services, and corporate payroll administration; corporate and institutional banking solutions, comprising syndicated lending, structured project finance, debt underwriting, treasury operations, and foreign exchange and interest rate derivatives; consumer finance products through its subsidiary VPBank Finance Company Limited (FE CREDIT), comprising consumer installment loans, two-wheeler loans, personal cash loans, and co-branded credit cards; securities brokerage and investment banking services through VPBank Securities Joint Stock Company (VPBankS), comprising equity and bond brokerage, margin financing, underwriting, bond distribution, and asset management; digital banking platforms, comprising the VPBank NEO mobile and web platform, VPBank NEOBiz for corporate customers, and Cake by VPBank digital bank, offering electronic know-your-customer onboarding, digital deposit taking, micro-investments, and digital consumer credit; and non-life digital insurance products through OPES Insurance Joint Stock Company, comprising travel, motor, health, and personal accident coverage. In recent strategic developments, Sumitomo Mitsui Banking Corporation (SMBC), a subsidiary of Sumitomo Mitsui Financial Group, completed the acquisition of a 15% strategic equity stake in VPBank for approximately USD 1.5 billion, significantly augmenting the bank's charter capital and capital adequacy ratio. VPBank has also recapitalized and scaled VPBank Securities into one of Vietnam's largest securities firms by capital, expanded digital insurance distribution through the integration of OPES Insurance, progressed operational restructuring alongside SMBC Consumer Finance at FE CREDIT, and secured substantial international syndicated loan facilities dedicated to supporting small and medium-sized enterprises, women-led enterprises, and green finance projects across Vietnam.