Vietnam Technological and Commercial Joint Stock Bank

HOSE:TCB Stock Report

Market Cap: ₫165.6t

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 23.2% 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
31 Dec 134,233,872659,0712,715,1240

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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