Vietnam Export Import Commercial Joint Stock Bank (EIB) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Vietnam Export Import Commercial Joint Stock Bank VND 8,361, price VND 16,500, upside -49.3%, quality 51 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Vietnam Export Import Commercial Joint Stock Bank
EIB · VNStretched ValuationStrong overvaluation with only moderate quality.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 11,707 VND – 31,100 VND · fair‑value band 6,453 VND – 10,756 VND · the 16,500 VND price screens above the 8,361 VND fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Company profile
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.
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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.
Stock analysis
Vietnam Export Import Commercial Joint Stock Bank (EIB) currently trades at 16,500 VND, while our model-based Fair Value estimate is 8,361 VND, implying the stock looks roughly 97.4% overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of 9,737 VND per share, and 0 of the 6 models we run sit above the 16,500 VND price.
Bear case: the Dividend Discount group reads lowest at 3,274 VND, and 6 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: 6,453 VND (bear) to 10,756 VND (bull), the price of 16,500 VND sits above 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 51/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
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.
Key figures
Market cap 36.8T VND · P/E ratio 41.2 · P/S ratio 6.39 · EPS (TTM) 400.92 VND · Dividend yield 1.4% · Net margin 15.5% · Return on equity 2.9% · Return on assets 0.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 38% 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 −38% fair-value upside, at −49%, EIB screens richer than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 55 · Market factors (momentum, volatility) 29
Revenue & earnings trend
Growth Forecast
EIB screens 97% overvalued. Compare with DBS Group →
Compare Vietnam Export Import Commercial Joint Stock Bank with another stock
Price, fair value, quality and upside side by side.
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 · 1074 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 77.69 SGD | 40.48 SGD | −48% |
| China Merchants Bank Co 3968 | HK$51.25 | HK$62.30 | +22% |
| Intesa Sanpaolo S.p.A ISP | €6.73 | €4.04 | −40% |
| HDFC Bank Limited HDFCBANK | ₹737.25 | ₹406.85 | −45% |
| BNP Paribas SA BNP | €101.30 | €105.99 | +5% |
| UniCredit S.p.A UCG | €83.28 | €77.62 | −7% |
| Mizuho Financial Group MFG | $10.87 | $6.75 | −38% |
| ICICI Bank Limited ICICIBANK | ₹1,340 | ₹616.16 | −54% |
| The PNC Financial Services Group PNC | $227.96 | $159.52 | −30% |
| Oversea-Chinese Banking Corporation O39 | 32.14 SGD | 19.80 SGD | −38% |
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Frequently asked questions
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Key figures of Vietnam Export Import Commercial Joint Stock Bank
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