Joint Stock Commercial Bank for Investment and Development of Vietnam

BID.HM has a debt-to-equity ratio of 2.74, indicating a relatively high leverage position compared to industry norms. The bank's liquidity is assessed as medium, with free cash flow of 6.57 billion VND and operating cash flow of 54.06 billion VND. The return on equity (ROE) is 4.91%, which is below the industry median, suggesting that the bank is not generating strong returns for its shareholders.

The bank's profitability is reflected in its net income of 6.37 billion VND and a return on assets (ROA) of 0.25%. These figures are below the industry median for ROA, indicating that BID.HM is not as efficient in generating profits from its asset base as its peers. The bank's capital structure is heavily reliant on debt, with long-term debt amounting to 35.57 billion VND, which could pose a risk in a rising interest rate environment.

BID.HM's revenue is concentrated in its domestic market, with no significant international operations disclosed. The bank's total assets are valued at 2.52 trillion VND, and its total liabilities are 2.39 trillion VND, indicating a high level of leverage. The bank's capital expenditure is negative, suggesting that it is not investing in new assets, which could impact its long-term growth prospects.

The bank's growth trajectory is modest, with no specific revenue growth figures provided for the current or next fiscal year. However, the bank's operating cash flow and free cash flow suggest that it has the ability to sustain operations and potentially fund dividends or share repurchases. The bank's capital expenditure is negative, indicating that it is not investing in new assets, which could limit its ability to grow in the future.

BID.HM faces several risk factors, including liquidity risk due to its high leverage and the potential for dilution. The bank's liquidity is assessed as medium, and its dilution risk is low. The bank's key flags include a negative net cash position after subtracting total debt, which could impact its ability to meet short-term obligations. The bank's capital structure is heavily reliant on debt, which could increase its financial risk in a rising interest rate environment.

Recent events and filings do not provide specific details on BID.HM's recent performance or strategic initiatives. However, the bank's financial snapshot indicates that it has a strong balance sheet with total assets of 2.52 trillion VND and total equity of 129.67 billion VND. The bank's operating cash flow and free cash flow suggest that it has the ability to sustain operations and potentially fund dividends or share repurchases.

Net income surged 29.8% annually over four years, demonstrating strong profitability growth momentum.

Analysts project 9.8% upside to a mean price target of 47,150 VND, signaling positive market sentiment.

Total assets grew 17.3% annually over four years, reflecting robust balance sheet expansion capabilities.

Cash conversion ratio of 8.49 ranks best-in-class among peers, highlighting exceptional liquidity generation.

Debt-to-equity ratio of 2.74 sits in the bottom quartile, indicating significantly higher leverage risk.

Return on assets of 0.25% remains extremely low, pointing to minimal profitability relative to total assets.

Medium liquidity risk flags potential challenges in meeting short-term obligations under stress scenarios.

Free cash flow growth slowed to 3.9% year-over-year, indicating decelerating cash generation momentum.

Revenue VND 63.30T, +9,1% YoY; Net income +18,6% YoY.

• ▍Revenue VND 63.30T, +9,1% YoY
• ▍Net income +18,6% YoY
• ▍Free cash flow +3,9% YoY
• ▍Net margin 47.2%

Revenue VND 58.00T, +3,3% YoY; Net income +17,2% YoY.

• ▍Revenue VND 58.00T, +3,3% YoY
• ▍Net income +17,2% YoY
• ▍Free cash flow +21,3% YoY
• ▍Net margin 43.5%

Revenue VND 56.14T, +0,1% YoY; Net income +18,4% YoY.

• ▍Revenue VND 56.14T, +0,1% YoY
• ▍Net income +18,4% YoY
• ▍Free cash flow +16,9% YoY
• ▍Net margin 38.3%

Revenue VND 56.07T, +19,8% YoY; Net income +72,3% YoY.

• ▍Revenue VND 56.07T, +19,8% YoY
• ▍Net income +72,3% YoY
• ▍Free cash flow +86,6% YoY
• ▍Net margin 32.4%

Revenue VND 46.82T; Net margin 22.5%.

• ▍Revenue VND 46.82T
• ▍Net margin 22.5%