Vpb.Hm
VPB.HM is a financial services company operating in the banking industry, generating revenue primarily through net interest income and fee-based services.
Business. VPB.HM is a financial services company operating in the banking industry, generating revenue primarily through net interest income and fee-based services.
Analyst recommendations
9 analysts · consensus BuyAt a glance
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- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
VPB.HM is a financial services company operating in the banking industry, generating revenue primarily through net interest income and fee-based services.
VPB.HM maintains a debt-to-equity ratio of 1.56, indicating a moderate reliance on debt financing relative to equity. The company's liquidity position is assessed as medium, with free cash flow of 20,844,026,000,000 VND and operating cash flow of 44,532,621,000,000 VND, but net cash is negative after subtracting total debt. This suggests the company may need to manage its debt obligations carefully to maintain liquidity.
Profitability metrics show a return on equity (ROE) of 14.29%, which is a strong indicator of efficient capital use, and a return on assets (ROA) of 1.9%, which is in line with industry norms for banks. These figures suggest that VPB.HM is effectively leveraging its equity and assets to generate returns, though the ROA is relatively modest compared to other financial institutions.
The company's revenue is concentrated in its core banking operations, with no disclosed segment or geographic breakdown provided in the available data. This lack of diversification could pose a risk if the banking sector experiences a downturn or if regulatory changes impact its operations.
Looking ahead, VPB.HM is projected to maintain a stable growth trajectory, with no specific numeric deltas provided for the current or next fiscal year. The company's capital expenditure is negative, indicating a reduction in investment in physical assets, which may reflect a strategy to optimize existing resources rather than expand infrastructure.
Risk factors include a medium liquidity risk and a low dilution potential, with the primary concern being the negative net cash position after accounting for total debt. The company has not disclosed any recent events such as filings or transcripts that would provide additional insight into its strategic direction or operational performance.
- VPB.HM has a strong return on equity (14.29%) but a modest return on assets (1.9%), indicating efficient use of equity but less efficient use of total assets.
- The company's liquidity position is medium, with free cash flow and operating cash flow figures suggesting the need for careful debt management.
- VPB.HM's revenue is concentrated in its core banking operations, with no segment or geographic diversification disclosed.
- The company's capital expenditure is negative, indicating a strategy to optimize existing resources rather than invest in new infrastructure.
- Risk factors include a medium liquidity risk and a low dilution potential, with the primary concern being the negative net cash position after accounting for total debt.
- **margin_outlook_rationale**: The company's margin outlook is stable, driven by consistent net interest income and fee-based services.
- **rd_outlook_rationale**: Research and development outlook is not applicable for a traditional banking institution like VPB.HM.
Bull / Bear case
analysis pipelineIn focus — financials by report
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Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 3 413,89 |
| Revenue | —no estimate | —no estimate | 86,92T VND |
| Operating income | —no estimate | —no estimate | 65,99T VND |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
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- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- VPB.HM Market data — financials · 2026-05-29
- Vietnam Prosperity Joint Stock Commercial Bank Market data — analyst estimates · 2026-05-29