EVF General Finance Joint Stock Company (EVF) Fair Value & Analysis
Financial Services · VN · Market cap 10.4T VND
Fair value as of: Jun 26, 2026
From 19 valuation models · updated 3 days ago
Fair value updated Jun 26, 2026 — revised from 19,090 VND to 18,180 VND (−4.8%) since Jun 25, 2026. Share price −1.5% over the past month.
Price vs Fair Value (12 months)
12‑month range 10,150 VND – 16,250 VND · fair‑value band 13,635 VND – 22,725 VND · the 13,200 VND price screens below the 18,180 VND fair value. As of Jun 26, 2026.
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EVF General Finance Joint Stock Company (EVF) currently trades at 13,200 VND, while our model-based Fair Value estimate is 18,180 VND — implying the stock looks roughly 37.7% 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, EVF General Finance Joint Stock Company generated revenue of 1.8T VND at a net margin of 51.8%. Revenue grew 11.1% year over year. It earns a return on equity of 9.5%. Net debt stands at 42.0T 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
EVF General Finance Joint Stock Company provides financial services in Vietnam. The company offers capital mobilization, including receiving deposits; issuing certificates of deposits, promissory notes, bills, and bonds; borrowing from domestic and foreign financial organizations and credit institutions under regulations; and receiving refinancing loans from the SBV. It is also involved in credit activities, such as loans and consumer loans; and discounting and re-discounting commercial papers, negotiable instruments, and other valuable papers, securities. In addition, the company engages in other finance and banking activities comprising opening and managing deposit and credit accounts; contributing capital and purchasing shares; providing insurance agency and consulting, asset management, safekeeping services; and trading in government bonds, foreign exchange trading, and buying and selling debts. Further, it provides valuable papers repurchase transactions; guarantee services; lo…
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
EVF General Finance Joint Stock Company reported revenue of 2.1T VND in FY2025 versus 1.1T VND in FY2021, a compound +17.1%/yr. Reported net income was 854B VND in FY2025, compounding +26.8%/yr from FY2021.
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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.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.