Ho Chi Minh City Development Joint Stock Commercial Bank

HOSE:HDB Stock Report

Market Cap: ₫81.8t

Ho Chi Minh City Development Commercial Bank Past Earnings Performance

Past criteria checks 5/6

Ho Chi Minh City Development Commercial Bank has been growing earnings at an average annual rate of 25.9%, while the Banks industry saw earnings growing at 23.2% annually. Revenues have been growing at an average rate of 20.4% per year. Ho Chi Minh City Development Commercial Bank's return on equity is 25.1%, and it has net margins of 46.2%.

Key information

25.9%

Earnings growth rate

25.8%

EPS growth rate

Banks Industry Growth25.8%
Revenue growth rate20.4%
Return on equity25.1%
Net Margin46.2%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Ho Chi Minh City Development Commercial Bank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

HOSE:HDB Revenue, expenses and earnings (VND Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2428,105,73712,992,4349,580,8890
30 Jun 2426,113,39212,058,9988,746,9310
31 Mar 2423,926,83111,092,6608,242,4500
31 Dec 2322,145,93410,070,8987,794,4360
30 Sep 2320,053,7348,453,2868,009,6280
30 Jun 2319,317,9417,988,8318,009,6280
31 Mar 2319,146,9557,909,4057,534,8760
31 Dec 2218,898,7657,739,7947,516,5880
30 Sep 2217,617,4797,510,6976,711,8760
30 Jun 2216,206,7596,925,7776,711,8760
31 Mar 2215,173,7586,398,5305,789,4010
31 Dec 2114,452,3856,043,5195,499,0700
30 Sep 2114,106,3535,594,7944,387,7530
30 Jun 2113,840,0295,255,0385,921,1430
31 Mar 2112,851,2134,913,7083,990,5290
31 Dec 2011,977,8664,238,9493,966,2630
30 Sep 2011,620,4484,301,5253,578,4760
30 Jun 2011,105,6984,108,8983,243,1570
31 Mar 2010,720,1143,684,5733,471,4900
31 Dec 1910,100,7953,594,7663,005,3930
30 Sep 199,546,8883,258,3873,181,0000
30 Jun 198,994,8172,926,8401,982,9290
31 Mar 198,708,7692,878,6472,869,9000
31 Dec 188,525,5192,837,0852,729,5270
30 Sep 187,782,0162,408,1342,701,5720
30 Jun 187,895,2002,619,9722,701,5720
31 Mar 187,263,2592,233,5892,746,9650
31 Dec 176,488,7481,743,4872,336,7400
30 Sep 176,323,6491,745,4553,318,9610
30 Jun 175,318,4731,112,5363,797,0820
31 Mar 174,716,218807,3932,345,4190
31 Dec 164,424,621735,1321,787,9880
30 Sep 163,924,311561,4551,912,5410
30 Jun 163,822,320589,3982,062,5090
31 Mar 163,565,857623,9131,743,9000
31 Dec 153,201,257510,0372,231,6200
31 Mar 152,627,458531,5951,073,7280
31 Dec 142,442,353473,877856,1060
31 Mar 141,397,481184,593638,0730
31 Dec 131,244,661217,596520,3400

Quality Earnings: HDB has high quality earnings.

Growing Profit Margin: HDB's current net profit margins (46.2%) are higher than last year (42.2%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: HDB's earnings have grown significantly by 25.9% per year over the past 5 years.

Accelerating Growth: HDB's earnings growth over the past year (53.7%) exceeds its 5-year average (25.9% per year).

Earnings vs Industry: HDB earnings growth over the past year (53.7%) exceeded the Banks industry 27.5%.

Return on Equity

High ROE: Whilst HDB's Return on Equity (25.12%) is high, this metric is skewed due to their high level of debt.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 23:41
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

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Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Ho Chi Minh City Development Joint Stock Commercial Bank is covered by 4 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Duy Minh TruongSSI Securities Corporation
Truc NgoViet Capital Securities Joint Stock Company
Duy NguyenViet Capital Securities Joint Stock Company