Vietnam Export Import Commercial Joint Stock Bank (EIB) Fair Value & Analysis
Financial Services · VN · Market cap 36.8T VND
Fair value as of: Jul 13, 2026
From 6 valuation models · updated 28 days ago
Share price −11.3% over the past month.
A solid business, but screening 32% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (15,259 VND). The favourable scenario is already priced in.
- Solid but not exceptional quality (51/100) 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.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 13, 2026.
How to read this chart
60‑month range 11,707 VND – 31,100 VND · fair‑value band 9,155 VND – 15,259 VND · the 18,000 VND price screens above the 12,207 VND fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 13, 2026.
Analysis
Vietnam Export Import Commercial Joint Stock Bank (EIB) currently trades at 18,000 VND, while our model-based Fair Value estimate is 12,207 VND, implying the stock looks roughly 32.2% overvalued today. The Quality Score stands at 51/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Vietnam Export Import Commercial Joint Stock Bank generated revenue of 4.8T VND at a net margin of 15.5%. Revenue declined 28.1% year over year. It earns a return on equity of 2.9%. The stock trades on a trailing P/E of 52.1. Fundamentals as of Jul 13, 2026
Our scenario range runs from 9,155 VND (bear case) to 15,259 VND (bull case); at 18,000 VND, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 43% below its 52-week high, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at -32%, EIB screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Economic Profit (10,808 VND) versus Dividend Discount (4,389 VND). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 55 · Market factors (momentum, volatility) 30
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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. 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
EIB screens 32% overvalued. Compare with PT Bank Central Asia Tbk →
Peer Group
Banks - Regional · 1083 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Insider activity: 45/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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Frequently asked questions
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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.
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