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Vietnam Export Import Commercial Joint Stock Bank (EIB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Vietnam Export Import Commercial Joint Stock Bank stock VND 8,371, price VND 16,200, that is 48.3% below the price, quality 53 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services VN · ISIN VN000000EIB7

VE Vietnam Export Import Commercial Joint Stock Bank logo Thin data Nov 7, 2026

Vietnam Export Import Commercial Joint Stock Bank

EIB · VN
Very expensive, in a downtrend

Our calculation puts a fair price 48% below what the stock costs today.

Solidly profitable · 11.2% net margin (TTM)
Quality 53/100
Mixed Growth (revenue YoY −13.2 %/yr in VND)
Moderate moat 51/100 · thin data
Revenue last quarter 24% below a year ago.
Fair value 8,371 VND · Strongly overvalued
Trails peers (2/12)
Thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

31,100 VND 11,707 VND Fair Value 8,371 VND Jul 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range 11,707 VND – 31,100 VND · fair‑value band 8,286 VND – 12,479 VND · the 16,200 VND price screens above the 8,371 VND fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

Vietnam Export Import Commercial Joint Stock Bank provides commercial banking services to individual and business customers in Vietnam. It operates through Banking and Financial Services; and Non-Banking Financial Services segments.

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The company engages in the mobilization and receipt of short, medium, and long-term funds; granting of short, medium, and long-term loans; trading in foreign currencies; international trade finance services; discounting of commercial notes, bonds, and other valuable papers; settlement services; and treasury services for credit institutions and foreign bank branches.

It also provides savings, term savings, and online deposit products; current accounts; medium and long-term deposits; home, car. business, consumer, and other loans; credit and debit cards; healthcare, travel, and personal accident insurance; money transfer and receipt; bill payment, automatic bill payment, and real estate payment intermediary services; study abroad packages; and forex and gold services.

In addition, the company offers cash management; investment, foreign loan and debt repayment, margin, and securities accounts; corporate deposits; TTR payments; bank drafts; interbank e-payments and quick transfers; intrabank, salary and commission, bulk, and utility bill payment; export-import, local, and e-tax payments; working capital financing, overdraft, and factoring loans; domestic and foreign guarantees; business cards; fire and special risks, all property risk, motor vehicle, cargo, construction and installation, and ship insurance products; email and fax-based transactions; and online banking services.

Further, it provides debt management and asset exploitation services. Vietnam Export Import Commercial Joint Stock Bank was founded in 1989 and is headquartered in Hanoi, Vietnam.

Stock analysis

Vietnam Export Import Commercial Joint Stock Bank (EIB) currently trades at 16,200 VND, while our model-based Fair Value estimate is 8,371 VND, 48% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 12,703 VND per share, and 1 of the 6 models we run sit above the 16,200 VND price.

Bear case: the Dividend Discount group reads lowest at 2,460 VND, and 5 of the 6 models stay below the price. Data coverage for this calculation is low.

Scenario range: 8,286 VND (bear) to 12,479 VND (bull), the price of 16,200 VND sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 53/100 (solid quality), in the Financial Services sector.

Mixed Growth: Spin-off in 2024: revenue and profit before it include the divested business. Growth is measured afresh from 2024.

Vietnam Export Import Commercial Joint Stock Bank reported revenue of 7.3T VND in FY2025 versus 4.7T VND in FY2021, a compound +11.6%/yr. Reported net income was 1.1T VND in FY2025, compounding +4.2%/yr from FY2021.

Key figures

Market cap 30.2T VND (≈ $1.2B) Small · P/E ratio 62.3 · P/S ratio 6.86 · EPS (TTM) 260.21 VND · Dividend yield 1.7% · Net margin 11.2% · Return on equity 1.9% · Return on assets 0.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 51 out of 100 (low confidence).

What moves the price

The share trades about 33% below its 52-week high and 1% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −48%, EIB screens richer than that median.

Fair Value models

Bear 8,286 VND Fair Value 8,371 VND Bull 12,479 VND
Price 16,200 VND · Downside -48.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (223.14 VND per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income 8,286 VND 8,371 VND 8,874 VND 76
Gordon GGM 1,676 VND 2,582 VND 3,162 VND 69
DDM Multi-Stage 1,676 VND 2,338 VND 2,795 VND 67
All 6 models by family
Dividend Discount
Gordon GGM 1,676 VND 2,582 VND 3,162 VND 69
DDM Multi-Stage 1,676 VND 2,338 VND 2,795 VND 67
Multiples
P/E Multiple 5,951 VND 7,935 VND 9,918 VND 63
P/B Multiple 13,103 VND 17,471 VND 21,838 VND 55
Asset-Based
NCAV (Graham) 6,240 VND 8,361 VND 12,479 VND 51
Economic Profit
Residual Income 8,286 VND 8,371 VND 8,874 VND 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 53/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 29
How much profit the company makes from its sales and capital
Quality Growth 29
Are margins and returns getting better?
Cashflow 100
Do the profits arrive as real cash?
Financial strength 62
Debt, balance sheet and risk of trouble
Investment 55
Does it invest with discipline instead of growing at any price?
Low Volatility 79
How calm the share price moves, does not count
Price momentum 14
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 3
Distance to the 52-week high, does not count
New shares 40
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 55/100
Spin-off in 2024: revenue and profit before it include the divested business. Growth is measured afresh from 2024.
What shareholders gained per year (last 5 years), in VND ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in VND: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+1.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+0.0%
Dividend (yield on the price)1.7%
Per share before 2024divided by the spin-off factor 1.07

EIB screens overvalued: fair value 48% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 2/12 measures
Overall it trails its industry peers.
Valuation
Quality Score 53 · Below median
Fair Value upside −48.3% · Bottom 25%
Profitability
Return on equity (12 months) 1.9% · Bottom 25%
Return on assets 0.4% · Bottom 25%
Net margin (12 months) 11.2% · Bottom 25%
Operating margin (12 months) 28.7% · Below median
Growth and dividend
Revenue growth (quarter YoY) −24.1% · Bottom 25%
Dividend yield (12 months) 1.7% · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 62.3× · Priciest 25%
P/B 1.16× · Cheaper than median
P/S (12 months) 6.86× · Priciest 25%
Price / free cash flow (fiscal year) 2.2× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)7 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)33 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs EIB
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs EIB
BNP Paribas SA BNP €91.93 €106.01 +15% vs EIB
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs EIB
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs EIB
UniCredit S.p.A UCG €76.80 €50.44 −34% vs EIB
Mizuho Financial Group MFG $9.40 $5.89 −37% vs EIB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs EIB
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs EIB
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs EIB

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Vietnam Export Import Commercial Joint Stock Bank: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Vietnam Export Import Commercial Joint Stock Bank Fair Value". https://www.fairvalue-calculator.com/stock/EIB

Frequently asked questions

Is Vietnam Export Import Commercial Joint Stock Bank (EIB) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of 8,371 VND versus a price of 16,200 VND, about 48% lower (overvalued).
What is the fair value of EIB?
Our model-based fair value for Vietnam Export Import Commercial Joint Stock Bank is 8,371 VND (as of Nov 7, 2026), built from audited fundamentals. The current price: 16,200 VND.
What is the quality score of EIB?
Vietnam Export Import Commercial Joint Stock Bank has a Quality Score of 53/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Vietnam Export Import Commercial Joint Stock Bank (EIB)?
Our model-based price target is the fair value of 8,371 VND (as of Nov 7, 2026) from 6 valuation models. Cautious scenario 8,286 VND, optimistic scenario 12,479 VND. It is a calculation from audited fundamentals, not an analyst target.
What is the Vietnam Export Import Commercial Joint Stock Bank stock forecast for 2026?
Our models put fair value at 8,371 VND, about 48% lower versus a price of 16,200 VND (overvalued). Cautious scenario 8,286 VND, optimistic scenario 12,479 VND. The calculation is refreshed regularly with new filings.
What is the revenue of Vietnam Export Import Commercial Joint Stock Bank (EIB)?
Vietnam Export Import Commercial Joint Stock Bank reported trailing-twelve-month revenue of about 4.4T VND (latest available figure, as of Nov 7, 2026).
Does Vietnam Export Import Commercial Joint Stock Bank pay a dividend?
Vietnam Export Import Commercial Joint Stock Bank currently shows a dividend yield of 1.66% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Vietnam Export Import Commercial Joint Stock Bank (EIB)?
Vietnam Export Import Commercial Joint Stock Bank has a dividend yield of 1.7%.
What is the intrinsic value of Vietnam Export Import Commercial Joint Stock Bank (EIB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Vietnam Export Import Commercial Joint Stock Bank it is 8,371 VND per share (as of Nov 7, 2026), against a price of 16,200 VND. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Vietnam Export Import Commercial Joint Stock Bank stock overvalued or undervalued in 2026?
As of Nov 7, 2026, EIB trades above its calculated fair value: price 16,200 VND, fair value 8,371 VND, a gap of about −48% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of EIB?
No. The price is what the market pays today (16,200 VND); the fair value is what the company's own numbers justify (8,371 VND). For Vietnam Export Import Commercial Joint Stock Bank the two are 7,829 VND per share apart. That gap is exactly why we show both numbers side by side.
How much is Vietnam Export Import Commercial Joint Stock Bank worth?
The market values Vietnam Export Import Commercial Joint Stock Bank at about 30.2T VND (market capitalisation, as of Nov 7, 2026). Per share that is 16,200 VND; our models calculate a fair value of 8,371 VND per share.
What do the bullish and bearish scenarios say about EIB?
Our models span a range for Vietnam Export Import Commercial Joint Stock Bank: cautious scenario 8,286 VND, base 8,371 VND, optimistic 12,479 VND per share (as of Nov 7, 2026, price 16,200 VND). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of EIB?
Vietnam Export Import Commercial Joint Stock Bank trades at a price-to-earnings ratio of 62.3 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 8,371 VND is built from several models across several years. Other multiples: P/B 1.2, P/S 6.9.
How solid is the balance sheet of Vietnam Export Import Commercial Joint Stock Bank (EIB)?
Balance-sheet figures for Vietnam Export Import Commercial Joint Stock Bank (as of Nov 7, 2026): return on equity 1.9%. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is EIB from its 52-week high?
Vietnam Export Import Commercial Joint Stock Bank trades at 16,200 VND, about 33% below its 52-week high of 24,200 VND and 1% above the low of 16,000 VND (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 8,371 VND is for.
Which stocks are comparable to Vietnam Export Import Commercial Joint Stock Bank?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Vietnam Export Import Commercial Joint Stock Bank stock attractive at the current price?
The data as of Nov 7, 2026: price 16,200 VND, calculated fair value 8,371 VND (−48%), Quality Score 53/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of EIB calculated?
We run Vietnam Export Import Commercial Joint Stock Bank through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 8,371 VND builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Vietnam Export Import Commercial Joint Stock Bank itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Vietnam Export Import Commercial Joint Stock Bank (EIB)?
The closing price on Nov 6, 2026 was 16,200 VND. Our model-based fair value is 8,371 VND, about 48% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Vietnam Export Import Commercial Joint Stock Bank right now?
The price sits above even our optimistic bull case (12,479 VND). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (53/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Vietnam Export Import Commercial Joint Stock Bank

How large is the market capitalisation of Vietnam Export Import Commercial Joint Stock Bank (EIB)?
The market capitalisation of Vietnam Export Import Commercial Joint Stock Bank is 30.2T VND (≈ $1.2B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Vietnam Export Import Commercial Joint Stock Bank (EIB)?
The price-to-sales ratio of Vietnam Export Import Commercial Joint Stock Bank is 6.86 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Vietnam Export Import Commercial Joint Stock Bank (EIB)?
Earnings per share at Vietnam Export Import Commercial Joint Stock Bank are 260.21 VND (price ÷ EPS = P/E 62.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Vietnam Export Import Commercial Joint Stock Bank (EIB)?
The dividend yield of Vietnam Export Import Commercial Joint Stock Bank is 1.7% (payout 104%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Vietnam Export Import Commercial Joint Stock Bank (EIB)?
The net margin of Vietnam Export Import Commercial Joint Stock Bank is 11.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Vietnam Export Import Commercial Joint Stock Bank (EIB)?
The return on equity (ROE) of Vietnam Export Import Commercial Joint Stock Bank is 1.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Vietnam Export Import Commercial Joint Stock Bank (EIB)?
The return on assets (ROA) of Vietnam Export Import Commercial Joint Stock Bank is 0.2% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Vietnam Export Import Commercial Joint Stock Bank (EIB)?
The operating margin of Vietnam Export Import Commercial Joint Stock Bank is 28.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Vietnam Export Import Commercial Joint Stock Bank (EIB)?
Revenue at Vietnam Export Import Commercial Joint Stock Bank is growing −24.1% versus a year earlier (3y avg +0.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Vietnam Export Import Commercial Joint Stock Bank (EIB)?
Earnings per share at Vietnam Export Import Commercial Joint Stock Bank are growing −50.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Vietnam Export Import Commercial Joint Stock Bank (EIB) generate?
The free cash flow of Vietnam Export Import Commercial Joint Stock Bank is 13.5T VND (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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