Saigon - Hanoi Commercial Joint Stock Bank

HOSE:SHB Stock Report

Market Cap: ₫38.6t

Saigon - Hanoi Commercial Bank Past Earnings Performance

Past criteria checks 5/6

Saigon - Hanoi Commercial Bank has been growing earnings at an average annual rate of 25.3%, while the Banks industry saw earnings growing at 22.1% annually. Revenues have been growing at an average rate of 17.2% per year. Saigon - Hanoi Commercial Bank's return on equity is 15.9%, and it has net margins of 53.3%.

Key information

25.3%

Earnings growth rate

19.8%

EPS growth rate

Banks Industry Growth25.8%
Revenue growth rate17.2%
Return on equity15.9%
Net Margin53.3%
Last Earnings Update31 Dec 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Saigon - Hanoi Commercial Bank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

HOSE:SHB Revenue, expenses and earnings (VND Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Dec 2417,292,3189,216,0465,157,8820
30 Sep 2414,459,5797,667,8604,129,4760
30 Jun 2415,096,6107,986,6214,492,8300
31 Mar 2414,592,5197,652,8744,432,5750
31 Dec 2314,290,5607,324,7584,560,9390
30 Sep 2314,277,9287,288,1654,579,5580
30 Jun 2314,744,1977,820,0964,279,9680
31 Mar 2314,689,1527,923,4054,140,4310
31 Dec 2214,080,9617,623,9183,943,6310
30 Sep 2214,711,8378,191,3314,119,2370
30 Jun 2213,054,7777,095,3573,033,7340
31 Mar 2212,332,8546,258,7474,183,8560
31 Dec 2110,665,9835,007,1614,074,6180
30 Sep 2110,064,2564,565,203-28,9780
30 Jun 219,388,5483,827,890-28,9780
31 Mar 218,378,6673,351,597-950,2870
31 Dec 207,638,1412,607,01200
30 Sep 207,727,0922,551,066382,0330
30 Jun 207,346,1902,353,378382,0330
31 Mar 207,191,6882,253,644241,1000
31 Dec 196,978,9982,274,03700
30 Sep 196,792,1702,308,2283,998,2160
30 Jun 196,112,9582,027,2413,998,2160
31 Mar 195,795,5131,875,9353,576,9650
31 Dec 185,322,4461,672,3192,999,1820
30 Sep 184,861,2771,639,1712,525,8950
30 Jun 184,975,9421,786,3042,525,8950
31 Mar 184,817,4901,696,3712,474,6960
31 Dec 174,549,8281,539,1282,453,2350
30 Sep 174,358,6401,357,3441,929,9630
30 Jun 174,086,3681,135,0141,929,9630
31 Mar 173,714,550913,9462,338,1140
31 Dec 163,665,662913,2481,807,3940
30 Sep 163,428,130850,5332,872,6640
30 Jun 163,397,305839,9683,360,9550
31 Mar 163,249,420873,7681,651,8110
31 Dec 153,106,264795,1301,609,4670
30 Sep 152,936,918755,05400
30 Jun 152,747,032752,556-179,0470
31 Mar 152,646,343724,30337,4550
31 Dec 142,636,146775,18400
30 Sep 142,705,514901,7901,536,2160
30 Jun 142,732,337947,5041,226,9720
31 Mar 142,829,335903,2631,529,7560

Quality Earnings: SHB has high quality earnings.

Growing Profit Margin: SHB's current net profit margins (53.3%) are higher than last year (51.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: SHB's earnings have grown significantly by 25.3% per year over the past 5 years.

Accelerating Growth: SHB's earnings growth over the past year (25.8%) exceeds its 5-year average (25.3% per year).

Earnings vs Industry: SHB earnings growth over the past year (25.8%) exceeded the Banks industry 25.8%.

Return on Equity

High ROE: SHB's Return on Equity (15.9%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/02/07 17:19
End of Day Share Price 2025/02/07 00:00
Earnings2024/12/31
Annual Earnings2024/12/31

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

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 Github.

Analyst Sources

Saigon - Hanoi Commercial Joint Stock Bank is covered by 3 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Kato MukuruEFG-Hermes Research
Tu NguyenSSI Securities Corporation
Ha PhamVPS Securities JSC, Research Division