STOCK COMPARISON
Bank Hapoalim vs Vinhomes JSC: Fair Value & Quality
Both stocks run through our valuation models. Here is how Bank Hapoalim (POLI) and Vinhomes JSC (VHM) compare, as of Aug 8, 2026.
As of Aug 8, 2026, Fair Value Calculator sees Vinhomes JSC as the more attractively valued of the two: Bank Hapoalim trades at ILS 71.99 versus a fair value of ILS 97.43 (+35%), while Vinhomes JSC trades at VND 77,100 versus VND 147,415 (+91%).
Bank Hapoalim
POLI.TA · ILS · Financials
+35%
upside to fair value
undervalued
PriceILS 71.99
Fair ValueILS 97.43
Quality66/100
Vinhomes JSC
VHM.VN · VND · Materials
+91%
upside to fair value
undervalued
PriceVND 77,100
Fair ValueVND 147,415
Quality43/100
Head-to-head numbers
Green value = the better side for that row (for valuation multiples: lower = cheaper).
Bank HapoalimVinhomes JSC
Valuation
10.1×P/E (TTM)26.4×
1.34×P/S (TTM)2.98×
0.48×P/B2.56×
—EV/EBITDA9.7×
0.0%Dividend yield4.0%
ILS 3.21Dividend per shareVND 6,000
Profitability
41%Net margin32%
63%Operating margin46%
15%Return on equity27%
1%Return on assets6%
Growth
1%Revenue growth (YoY)315%
22.1%Avg. growth/yr (3Y)34.9%
24.1%Avg. growth/yr (5Y)16.5%
Balance & size
0.40×Debt / equity0.44×
$31BMarket cap$23B
healthyGrowth qualityhealthy
Bank Hapoalim leads: 7 to 5 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.
Bank Hapoalimof which business quality 61 · market factors 62
Vinhomes JSCof which business quality 51 · market factors 20
ProfitabilityMargins and returns on capital today
37
45
Quality GrowthAre margins and returns improving?
55
47
CashflowEarnings quality: real cash, not paper profit
98
61
Fin. StrengthBalance sheet, leverage, solvency risk
28
39
InvestmentDisciplined investing over empire-building
72
22
Low VolatilityCalm price path (market factor)
85
18
MomentumPrice trend over the last 3–12 months (market factor)
44
28
52W MomentumDistance to the 52-week high (market factor)
64
10
Net IssuanceBuybacks instead of dilution
89
90
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.
Bank Hapoalim
DCF ModelsILS 221
Earnings-BasedILS 86.35
Dividend DiscountILS 46.63
MultiplesILS 139
Asset-BasedILS 33.13
Growth DCFILS 217
Economic ProfitILS 94.85
Growth EarningsILS 140
6 of 26 models see the stock below the current price.
Vinhomes JSC
DCF ModelsVND 208,382
Earnings-BasedVND 294,676
Dividend DiscountVND 5,257
MultiplesVND 137,863
Asset-BasedVND 38,530
Growth DCFVND 171,523
Economic ProfitVND 97,419
Growth EarningsVND 358,594
4 of 26 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.
Bank Hapoalim
Bear ILS 73.07Fair Value ILS 97.43Bull ILS 122
ILS 71.99 = current price (white tick)
Vinhomes JSC
Bear VND 90,363Fair Value VND 147,415Bull VND 326,731
VND 77,100 = current price (white tick)
Compare two other stocks
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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.
Bank Hapoalim · Financials
Quality score66 · Top 25%
Fair value upside+35% · above median
Vinhomes JSC · Materials
Quality score43 · below median
Fair value upside+91% · Top 25%
Bottom line
As of Aug 8, 2026, Fair Value Calculator sees Vinhomes JSC as the more attractively valued of the two: Bank Hapoalim trades at ILS 71.99 versus a fair value of ILS 97.43 (+35%), while Vinhomes JSC trades at VND 77,100 versus VND 147,415 (+91%).
Bank Hapoalim has the higher quality score (66/100).
See the full analysis →
More comparisons
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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.
