Vietnam Technological and Commercial Joint Stock Bank

HOSE:TCB Stock Report

Market Cap: ₫172.0t

Vietnam Technological and Commercial Bank Past Earnings Performance

Past criteria checks 5/6

Vietnam Technological and Commercial Bank has been growing earnings at an average annual rate of 14.6%, while the Banks industry saw earnings growing at 22.2% annually. Revenues have been growing at an average rate of 14.2% per year. Vietnam Technological and Commercial Bank's return on equity is 15.8%, and it has net margins of 52.6%.

Key information

14.6%

Earnings growth rate

14.4%

EPS growth rate

Banks Industry Growth25.8%
Revenue growth rate14.2%
Return on equity15.8%
Net Margin52.6%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Vietnam Technological and Commercial Bank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

HOSE:TCB Revenue, expenses and earnings (VND Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2442,854,50722,542,77212,254,7120
30 Jun 2441,682,95821,418,21012,329,0060
31 Mar 2438,425,37519,679,90411,480,9250
31 Dec 2336,140,02417,955,80211,317,9170
30 Sep 2335,416,54017,070,66511,492,2390
30 Jun 2335,569,24817,755,68810,891,2560
31 Mar 2337,568,34719,104,15811,208,5500
31 Dec 2238,590,89720,111,87711,189,6570
30 Sep 2239,463,01521,174,90011,149,3040
30 Jun 2238,027,00420,214,53410,940,1960
31 Mar 2236,118,29719,122,1358,143,7710
31 Dec 2134,411,19918,014,25010,111,8030
30 Sep 2132,379,25617,375,6579,100,8550
30 Jun 2130,742,29716,137,0758,902,4170
31 Mar 2127,511,78014,242,82810,514,2950
31 Dec 2024,767,65312,301,9917,841,4110
30 Sep 2023,582,65211,369,0357,694,9120
30 Jun 2022,022,25410,824,2467,145,5670
31 Mar 2021,263,06210,416,2066,931,9800
31 Dec 1920,150,77710,043,1396,384,2300
30 Sep 1918,831,5839,279,4206,106,9550
30 Jun 1917,732,7858,784,6625,646,3830
31 Mar 1916,892,1878,476,5714,248,0920
31 Dec 1816,505,2648,442,7754,930,3970
30 Sep 1816,247,7198,764,3754,486,7440
30 Jun 1815,678,2288,411,1033,407,8570
31 Mar 1814,285,6167,435,3214,397,8060
31 Dec 1712,427,1536,445,5954,126,2800
30 Sep 1710,085,9014,729,3623,885,3240
30 Jun 179,132,2774,045,5013,885,3240
31 Mar 178,586,1963,712,6913,832,4770
31 Dec 168,171,2153,129,1303,600,6330
30 Sep 167,403,8452,585,5093,534,2300
30 Jun 166,457,3801,967,3263,534,2300
31 Mar 166,040,1601,665,8624,033,4250
31 Dec 155,715,8161,503,7163,159,7170
30 Sep 155,370,6281,374,7003,049,2530
30 Jun 154,917,3761,132,4403,661,6140
31 Mar 154,501,283856,6202,898,3620
31 Dec 144,720,9101,068,1972,810,1540
30 Sep 144,364,449996,1962,552,7180
30 Jun 144,363,505906,9072,614,5970
31 Mar 144,383,492884,7442,549,7300

Quality Earnings: TCB has high quality earnings.

Growing Profit Margin: TCB's current net profit margins (52.6%) are higher than last year (48.2%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: TCB's earnings have grown by 14.6% per year over the past 5 years.

Accelerating Growth: TCB's earnings growth over the past year (32.1%) exceeds its 5-year average (14.6% per year).

Earnings vs Industry: TCB earnings growth over the past year (32.1%) exceeded the Banks industry 27.5%.

Return on Equity

High ROE: TCB's Return on Equity (15.8%) 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 Analysis2025/01/02 00:02
End of Day Share Price 2025/01/02 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

Vietnam Technological and Commercial Joint Stock Bank is covered by 22 analysts. 11 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Hoang NguyenBao Viet Securities Joint Stock Company
Ryan FooBofA Global Research
null nullCredit Suisse