Financials National Citizen CommercialBank

Equities

NVB

VN000000NVB1

Banks

End-of-day quote HANOI S.E. 03:30:00 03/05/2024 am IST 5-day change 1st Jan Change
9,200 VND +1.10% Intraday chart for National Citizen CommercialBank +3.37% -12.38%

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 28,27,861 38,23,954 40,68,036 1,29,77,034 1,08,57,670 58,46,438
Enterprise Value (EV) 1 75,60,970 -82,58,325 -61,55,155 1,18,60,747 5,88,367 3,30,335
P/E ratio 77.9 x 73 x 3,333 x 9,274 x 10,84,719 x -8.73 x
Yield - - - - - -
Capitalization / Revenue 2.44 x 3.27 x 2.53 x 8.89 x 10.2 x 10.2 x
EV / Revenue 6.52 x -7.06 x -3.83 x 8.13 x 0.55 x 0.58 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.87 x 0.89 x 0.95 x 3.04 x 1.88 x 1.15 x
Nbr of stocks (in thousands) 2,97,670 4,06,804 4,06,804 4,06,804 5,56,804 5,56,804
Reference price 2 9,500 9,400 10,000 31,900 19,500 10,500
Announcement Date 04/05/19 07/05/20 20/04/21 04/04/22 03/04/23 04/04/24
1VND in Million2VND
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 11,60,054 11,70,266 16,06,588 14,59,050 10,68,919 5,72,202
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 87,830 55,041 3,738 2,310 1,238 -6,66,519
Net income 1 36,240 43,142 1,212 1,400 8 -6,69,556
Net margin 3.12% 3.69% 0.08% 0.1% 0% -117.01%
EPS 2 122.0 128.7 3.000 3.440 0.0180 -1,202
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - - - -
Announcement Date 04/05/19 07/05/20 20/04/21 04/04/22 03/04/23 04/04/24
1VND in Million2VND
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 47,33,109 - - - - -
Net Cash position 1 - 1,20,82,279 1,02,23,191 11,16,287 1,02,69,303 55,16,103
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 1.12% 1.14% 0.03% 0.03% 0% -12.3%
ROA (Net income/ Total Assets) 0.05% 0.06% 0% 0% - -0.72%
Assets 1 7,21,91,235 7,64,92,908 8,65,71,429 8,23,52,941 - 9,30,58,513
Book Value Per Share 2 10,883 10,587 10,479 10,482 10,352 9,150
Cash Flow per Share 2 23,375 35,944 30,265 8,129 21,628 15,642
Capex 1 14,614 14,945 19,049 64,344 73,726 1,05,463
Capex / Sales 1.26% 1.28% 1.19% 4.41% 6.9% 18.43%
Announcement Date 04/05/19 07/05/20 20/04/21 04/04/22 03/04/23 04/04/24
1VND in Million2VND
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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