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Lien Viet Post Joint Stock Commercial Bank (LPB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Lien Viet Post Joint Stock Commercial Bank stock VND 29,634, price VND 35,500, that is 16.5% below the price, quality 68 out of 100. Rating: 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 VN000000LPB7

LV Lien Viet Post Joint Stock Commercial Bank logo Some data Nov 9, 2026

Lien Viet Post Joint Stock Commercial Bank

LPB · VN
Expensive, in a downtrend

Our calculation puts a fair price 17% below what the stock costs today.

Quality 68/100
Healthy Growth (revenue YoY +9.8 %/yr in VND)
Highly profitable · 53.6% net margin (TTM)
Ranks above peers (10/12)
Revenue last quarter +19% vs. a year ago.
Wide moat 79/100 · thin data
Some data
Fair value 29,634 VND · Overvalued
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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

56,000 VND 4,760 VND Fair Value 29,634 VND Jul 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.

How to read this chart

60‑month range 4,760 VND – 56,000 VND · fair‑value band 19,164 VND – 38,640 VND · the 35,500 VND price screens above the 29,634 VND fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.

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Company profile

Fortune Vietnam Joint Stock Commercial Bank provides banking products and services in Vietnam.

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The company offers current accounts and loans, including Production and business loans, real estate loans, rural agriculture loans, retirement credit, non-fixed fixed consumer loans, consumer loans with fixed assets, car loans, lending group, project financing, capital financing, trade financing capital financing, and other loans.

It also provides life and non-life insurance products; Credit and Payment Cards, as well as POS machines; domestic payment services; international money transfer and remittance services; payment and cash flow management; guarantees; hybrid solutions; credit package for construction enterprises; LocPhat Pay, a smart payment and cash flow management solutions; Fortune Vietnam Joint Stock Commercial Bank was formerly known as Lien Viet Post Joint Stock Commercial Bank and changed its name to Fortune Vietnam Joint Stock Commercial Bank in July 2024.

The company was founded in 2008 and is based in Ninh Binh, Vietnam.

Stock analysis

Lien Viet Post Joint Stock Commercial Bank (LPB) currently trades at 35,500 VND, while our model-based Fair Value estimate is 29,634 VND, 17% 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 35,634 VND per share, and 1 of the 6 models we run sit above the 35,500 VND price.

Bear case: the Asset-Based group reads lowest at 10,318 VND, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: 19,164 VND (bear) to 38,640 VND (bull), the price of 35,500 VND sits inside 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 68/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Lien Viet Post Joint Stock Commercial Bank reported revenue of 21.9T VND in FY2025 versus 10.2T VND in FY2021, a compound +21.1%/yr. Reported net income was 11.4T VND in FY2025, compounding +41.2%/yr from FY2021.

Key figures

Market cap 104T VND (≈ $4.1B) Mid · P/E ratio 9.3 · P/S ratio 4.92 · EPS (TTM) 3,825 VND · Dividend yield 6.3% · Net margin 53.6% · Return on equity 27.0% · Return on assets 2.0%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 79 out of 100 (low confidence).

What moves the price

The share trades about 37% below its 52-week high and 3% 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 −17%, LPB screens cheaper than that median.

Fair Value models

Bear 19,164 VND Fair Value 29,634 VND Bull 38,640 VND
Price 35,500 VND · Downside -16.5%
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 (3,280 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 19,164 VND 23,883 VND 35,030 VND 75
Gordon GGM 17,586 VND 29,634 VND 38,640 VND 68
DDM Multi-Stage 17,586 VND 28,022 VND 31,864 VND 67
All 6 models by family
Dividend Discount
Gordon GGM 17,586 VND 29,634 VND 38,640 VND 68
DDM Multi-Stage 17,586 VND 28,022 VND 31,864 VND 67
Multiples
P/E Multiple 37,281 VND 49,708 VND 62,135 VND 63
P/B Multiple 16,170 VND 21,560 VND 26,949 VND 55
Asset-Based
NCAV (Graham) 7,700 VND 10,318 VND 15,400 VND 51
Economic Profit
Residual Income 19,164 VND 23,883 VND 35,030 VND 75

Open the full fair value analysis →

Quality Score breakdown

Overall quality 68/100

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

Profitability 53
How much profit the company makes from its sales and capital
Quality Growth 49
Are margins and returns getting better?
Cashflow 100
Do the profits arrive as real cash?
Financial strength 92
Debt, balance sheet and risk of trouble
Investment 31
Does it invest with discipline instead of growing at any price?
Low Volatility 70
How calm the share price moves, does not count
Price momentum 10
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 5
Distance to the 52-week high, does not count
New shares 64
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. 90/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
What shareholders gained per year (last 5 years), in VND (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. 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.
+47.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+41.1%
Dividend (yield on the price)6.3%
Per share before 2024divided by the spin-off factor 1.168
2025 sits 139% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

LPB screens overvalued: fair value 17% 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 10/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 68 · Top 25%
Fair Value upside −16.5% · Above median
Profitability
Return on equity (12 months) 27.0% · Top 25%
Return on assets 1.9% · Top 25%
Net margin (12 months) 53.6% · Top 25%
Operating margin (12 months) 59.6% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) 18.7% · Top 25%
Dividend yield (12 months) 6.3% · Top 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 9.3× · Cheaper than median
P/B 2.20× · Priciest 25%
P/S (12 months) 4.92× · Priciest 25%
Price / free cash flow (fiscal year) 1.9× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)11 · sector 8
FUTURE (revenue growth)94 · sector 47
PAST (return on equity)100 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)100 · sector 53

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

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Lien Viet Post Joint Stock Commercial Bank: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Lien Viet Post Joint Stock Commercial Bank Fair Value". https://www.fairvalue-calculator.com/stock/LPB

Frequently asked questions

Is Lien Viet Post Joint Stock Commercial Bank (LPB) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of 29,634 VND versus a price of 35,500 VND, about 17% lower (overvalued).
What is the fair value of LPB?
Our model-based fair value for Lien Viet Post Joint Stock Commercial Bank is 29,634 VND (as of Nov 9, 2026), built from audited fundamentals. The current price: 35,500 VND.
What is the quality score of LPB?
Lien Viet Post Joint Stock Commercial Bank has a Quality Score of 68/100. 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 Lien Viet Post Joint Stock Commercial Bank (LPB)?
Our model-based price target is the fair value of 29,634 VND (as of Nov 9, 2026) from 6 valuation models. Cautious scenario 19,164 VND, optimistic scenario 38,640 VND. It is a calculation from audited fundamentals, not an analyst target.
What is the Lien Viet Post Joint Stock Commercial Bank stock forecast for 2026?
Our models put fair value at 29,634 VND, about 17% lower versus a price of 35,500 VND (overvalued). Cautious scenario 19,164 VND, optimistic scenario 38,640 VND. The calculation is refreshed regularly with new filings.
What is the revenue of Lien Viet Post Joint Stock Commercial Bank (LPB)?
Lien Viet Post Joint Stock Commercial Bank reported trailing-twelve-month revenue of about 21.1T VND (latest available figure, as of Nov 9, 2026).
Does Lien Viet Post Joint Stock Commercial Bank pay a dividend?
Lien Viet Post Joint Stock Commercial Bank currently shows a dividend yield of 6.33% relative to its recent price (as of Nov 9, 2026).
How much is the dividend of Lien Viet Post Joint Stock Commercial Bank (LPB)?
Lien Viet Post Joint Stock Commercial Bank has a dividend yield of 6.3%.
What is the intrinsic value of Lien Viet Post Joint Stock Commercial Bank (LPB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Lien Viet Post Joint Stock Commercial Bank it is 29,634 VND per share (as of Nov 9, 2026), against a price of 35,500 VND. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Lien Viet Post Joint Stock Commercial Bank stock overvalued or undervalued in 2026?
As of Nov 9, 2026, LPB trades above its calculated fair value: price 35,500 VND, fair value 29,634 VND, a gap of about −17% (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 LPB?
No. The price is what the market pays today (35,500 VND); the fair value is what the company's own numbers justify (29,634 VND). For Lien Viet Post Joint Stock Commercial Bank the two are 5,866 VND per share apart. That gap is exactly why we show both numbers side by side.
How much is Lien Viet Post Joint Stock Commercial Bank worth?
The market values Lien Viet Post Joint Stock Commercial Bank at about 104T VND (market capitalisation, as of Nov 9, 2026). Per share that is 35,500 VND; our models calculate a fair value of 29,634 VND per share.
What do the bullish and bearish scenarios say about LPB?
Our models span a range for Lien Viet Post Joint Stock Commercial Bank: cautious scenario 19,164 VND, base 29,634 VND, optimistic 38,640 VND per share (as of Nov 9, 2026, price 35,500 VND). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of LPB?
Lien Viet Post Joint Stock Commercial Bank trades at a price-to-earnings ratio of 9.3 (as of Nov 9, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 29,634 VND is built from several models across several years. Other multiples: P/B 2.2, P/S 4.9.
How solid is the balance sheet of Lien Viet Post Joint Stock Commercial Bank (LPB)?
Balance-sheet figures for Lien Viet Post Joint Stock Commercial Bank (as of Nov 9, 2026): return on equity 27.0%. They feed the Quality Score of 68/100, which measures business quality independently of the share price.
How far is LPB from its 52-week high?
Lien Viet Post Joint Stock Commercial Bank trades at 35,500 VND, about 37% below its 52-week high of 56,000 VND and 3% above the low of 34,500 VND (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 29,634 VND is for.
Which stocks are comparable to Lien Viet Post Joint Stock Commercial 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 Lien Viet Post Joint Stock Commercial Bank stock attractive at the current price?
The data as of Nov 9, 2026: price 35,500 VND, calculated fair value 29,634 VND (−17%), Quality Score 68/100, 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 LPB calculated?
We run Lien Viet Post Joint Stock Commercial 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 29,634 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. Lien Viet Post Joint Stock Commercial 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 Lien Viet Post Joint Stock Commercial Bank (LPB)?
The closing price on Nov 6, 2026 was 35,500 VND. Our model-based fair value is 29,634 VND, about 17% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Lien Viet Post Joint Stock Commercial Bank right now?
Solid but not exceptional quality (68/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (19,164 VND to 38,640 VND) leaves room in how you read the outcome. 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 Lien Viet Post Joint Stock Commercial Bank

How large is the market capitalisation of Lien Viet Post Joint Stock Commercial Bank (LPB)?
The market capitalisation of Lien Viet Post Joint Stock Commercial Bank is 104T VND (≈ $4.1B). 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 Lien Viet Post Joint Stock Commercial Bank (LPB)?
The price-to-sales ratio of Lien Viet Post Joint Stock Commercial Bank is 4.92 (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 Lien Viet Post Joint Stock Commercial Bank (LPB)?
Earnings per share at Lien Viet Post Joint Stock Commercial Bank are 3,825 VND (price ÷ EPS = P/E 9.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Lien Viet Post Joint Stock Commercial Bank (LPB)?
The dividend yield of Lien Viet Post Joint Stock Commercial Bank is 6.3% (payout 58.7%). 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 Lien Viet Post Joint Stock Commercial Bank (LPB)?
The net margin of Lien Viet Post Joint Stock Commercial Bank is 53.6% (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 Lien Viet Post Joint Stock Commercial Bank (LPB)?
The return on equity (ROE) of Lien Viet Post Joint Stock Commercial Bank is 27.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Lien Viet Post Joint Stock Commercial Bank (LPB)?
The return on assets (ROA) of Lien Viet Post Joint Stock Commercial Bank is 2.0% (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 Lien Viet Post Joint Stock Commercial Bank (LPB)?
The operating margin of Lien Viet Post Joint Stock Commercial Bank is 59.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Lien Viet Post Joint Stock Commercial Bank (LPB)?
Revenue at Lien Viet Post Joint Stock Commercial Bank is growing +18.7% versus a year earlier (3y avg +15.6%). 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 Lien Viet Post Joint Stock Commercial Bank (LPB)?
Earnings per share at Lien Viet Post Joint Stock Commercial Bank are growing +5.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Lien Viet Post Joint Stock Commercial Bank (LPB) generate?
The free cash flow of Lien Viet Post Joint Stock Commercial Bank is 55.5T VND (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Lien Viet Post Joint Stock Commercial Bank (LPB) carry?
The net debt of Lien Viet Post Joint Stock Commercial Bank is 12.2T VND (fiscal year 2021, ≈ 0.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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