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STOCK COMPARISON

Vietnam Export Import Commercial Joint Stock Bank vs Bank Central Asia Tbk: Fair Value & Quality

Both stocks run through our valuation models. Here is how Vietnam Export Import Commercial Joint Stock Bank (EIB) and Bank Central Asia Tbk (BBCA) compare, as of Aug 10, 2026.

As of Aug 10, 2026, Fair Value Calculator sees Bank Central Asia Tbk as the less overvalued of the two: Vietnam Export Import Commercial Joint Stock Bank trades at VND 18,150 versus a fair value of VND 12,207 (-33%), while Bank Central Asia Tbk trades at IDR 6,375 versus IDR 6,087 (-5%).
Vietnam Export Import Commercial Joint Stock Bank
EIB.VN · VND · Financials
-33%
upside to fair value
overvalued
PriceVND 18,150
Fair ValueVND 12,207
Quality53/100
Bank Central Asia Tbk
BBCA.JK · IDR · Financials
-5%
upside to fair value
fairly valued
PriceIDR 6,375
Fair ValueIDR 6,087
Quality64/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Vietnam Export Import Commercial Joint Stock BankBank Central Asia Tbk
Valuation
49.3×P/E (TTM)13.1×
7.63×P/S (TTM)6.99×
1.41×P/B2.70×
EV/EBITDA9.0×
PEG2.86×
Dividend yield5.4%
Dividend per shareIDR 336
Profitability
16%Net margin53%
32%Operating margin68%
3%Return on equity23%
0%Return on assets4%
Growth
-28%Revenue growth (YoY)3%
0.1%Avg. growth/yr (3Y)9.3%
10.5%Avg. growth/yr (5Y)10.2%
Balance & size
$1BMarket cap$76B
mixedGrowth qualityhealthy

Bank Central Asia Tbk leads: 2 to 8 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Vietnam Export Import Commercial Joint Stock Bankof which business quality 55 · market factors 31 Bank Central Asia Tbkof which business quality 57 · market factors 42
ProfitabilityMargins and returns on capital today
29
45
Quality GrowthAre margins and returns improving?
29
46
CashflowEarnings quality: real cash, not paper profit
100
89
Fin. StrengthBalance sheet, leverage, solvency risk
62
19
InvestmentDisciplined investing over empire-building
55
75
Low VolatilityCalm price path (market factor)
75
79
MomentumPrice trend over the last 3–12 months (market factor)
19
28
52W MomentumDistance to the 52-week high (market factor)
0
26
Net IssuanceBuybacks instead of dilution
40
82

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Vietnam Export Import Commercial Joint Stock Bank

Dividend DiscountVND 5,138
MultiplesVND 9,155
Asset-BasedVND 9,354
Economic ProfitVND 10,808

6 of 6 models see the stock below the current price.

Bank Central Asia Tbk

MultiplesIDR 4,647
Asset-BasedIDR 1,535
Economic ProfitIDR 4,267

4 of 4 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Vietnam Export Import Commercial Joint Stock Bank
Bear VND 9,155Fair Value VND 12,207Bull VND 15,259
VND 18,150 = current price (white tick)
Bank Central Asia Tbk
Bear IDR 4,565Fair Value IDR 6,087Bull IDR 7,609
IDR 6,375 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Vietnam Export Import Commercial Joint Stock Bank · Financials

Quality score53 · below median
Fair value upside-33% · below median

Bank Central Asia Tbk · Financials

Quality score64 · Top 25%
Fair value upside-5% · below median

Bottom line

As of Aug 10, 2026, Fair Value Calculator sees Bank Central Asia Tbk as the less overvalued of the two: Vietnam Export Import Commercial Joint Stock Bank trades at VND 18,150 versus a fair value of VND 12,207 (-33%), while Bank Central Asia Tbk trades at IDR 6,375 versus IDR 6,087 (-5%).

Bank Central Asia Tbk has the higher quality score (64/100).

See the full analysis →

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.