Ho Chi Minh City Development Joint Stock Commercial Bank (HDB) Fair Value & Analysis
Financial Services · VN · Market cap 127T VND
Fair value as of: Jun 26, 2026
From 19 valuation models · updated 3 days ago
Share price −0.4% over the past month.
Price vs Fair Value (12 months)
12‑month range 16,602 VND – 29,470 VND · fair‑value band 32,148 VND – 53,580 VND · the 25,600 VND price screens below the 42,864 VND fair value. As of Jun 26, 2026.
✦ Which stocks are undervalued right now? Check free Discover now →Analysis
Ho Chi Minh City Development Joint Stock Commercial Bank (HDB) currently trades at 25,600 VND, while our model-based Fair Value estimate is 42,864 VND — implying the stock looks roughly 67.4% 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, Ho Chi Minh City Development Joint Stock Commercial Bank generated revenue of 33.8T VND at a net margin of 50.5%. Revenue grew 10.3% year over year. It earns a return on equity of 24.4%. Net debt stands at 35.7T 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
Ho Chi Minh City Development Joint Stock Commercial Bank provides various banking products and services to individuals and corporates in Vietnam and internationally. The company offers current account, savings, demand, online saving, and regular term deposits; health, hospital allowance, death and disability, accident, critical illness, home, civil liability for car, borrower, assets risks, fire and special risks, and protection and investment insurances; business, agriculture, car, consumer, and real estate loans; overdraft, paper discount, and intermediary payment services; foreign exchange and international transfers; debit, prepaid, and credit cards; remittance services; and collection and payment services, hold, nostro accounts, money deposits, and other services. It also provides working capital financing, medium and long-term loans, and guarantees; supply chain financing, import and export financing and services, and cross-border payments; and derivatives services. In additio…
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Ho Chi Minh City Development Joint Stock Commercial Bank reported revenue of 42.7T VND in FY2025 versus 16.4T VND in FY2021, a compound +27.0%/yr. Reported net income was 16.5T VND in FY2025, compounding +28.5%/yr from FY2021.
Open the full interactive analysis →
Similar stocks
6 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| HDFC Bank Limited HDFCBANK | ₹747.05 | ₹894.11 | +20% |
| ICICI Bank Limited ICICIBANK | ₹1,338 | ₹1,089 | -19% |
| PT Bank Central Asia Tbk BBCA | 5,650 IDR | 5,671 IDR | +0% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,880 IDR | 5,760 IDR | +100% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| KB Financial Group 105560 | 153,700 KRW | 213,797 KRW | +39% |
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is Ho Chi Minh City Development Joint Stock Commercial Bank (HDB) undervalued?
What is the fair value of HDB?
What is the quality score of HDB?
What is the revenue of Ho Chi Minh City Development Joint Stock Commercial Bank (HDB)?
What is the net profit margin of HDB?
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.