Vietnam Joint Stock Commercial Bank for Industry and Trade, (CTG) Fair Value & Analysis
Financial Services · VN · Market cap 261T VND
Fair value as of: Jun 26, 2026
From 19 valuation models · updated 3 days ago
Fair value updated Jun 26, 2026 — revised from 68,000 VND to 67,000 VND (−1.5%) since Jun 25, 2026. Share price −2.6% over the past month.
Price vs Fair Value (12 months)
12‑month range 28,157 VND – 41,010 VND · fair‑value band 50,250 VND – 83,750 VND · the 33,500 VND price screens below the 67,000 VND fair value. As of Jun 26, 2026.
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Vietnam Joint Stock Commercial Bank for Industry and Trade, (CTG) currently trades at 33,500 VND, while our model-based Fair Value estimate is 67,000 VND — implying the stock looks roughly 100.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, Vietnam Joint Stock Commercial Bank for Industry and Trade, generated revenue of 75.2T VND at a net margin of 50.7%. Revenue grew 41.6% year over year. It earns a return on equity of 22.4%. Net debt stands at 7.7T VND. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
Vietnam Joint Stock Commercial Bank for Industry and Trade, together with its subsidiaries, provides various banking products and services in Vietnam and internationally. The company offers account services; credit, debit, and other cards, as well as card payment services; digital banking; demand, escrow, regular term, and automatic term deposits; property, car, consumer, special, mid/long/short-term, and other loans, as well as loans for production and business; foreign currency trading; life and non-life insurance; overseas remittance; and other related services. It also provides guarantees; international payments and trade finance; payables, receivables, cash, and account management, as well as money transfer; advisory services; industry and supply chain solutions; savings; financial investments; treasury products, including foreign exchange, interest rate and commodity derivatives, money market, and FI and government debt instruments; and investment bank. The company was formerl…
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Vietnam Joint Stock Commercial Bank for Industry and Trade, reported revenue of 77.7T VND in FY2025 versus 50.1T VND in FY2021, a compound +11.6%/yr. Reported net income was 34.6T VND in FY2025, compounding +25.2%/yr from FY2021.
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|---|---|---|---|
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.