Fortune Vietnam Joint Stock Commercial Bank (LPB) Fair Value & Analysis
Financial Services · VN · Market cap 154T VND
Fair value as of: Jul 16, 2026
From 6 valuation models · updated 25 days ago
Share price −0.4% over the past month.
A solid business, screening 45% undervalued on our models.
What matters now
- The price is below even our cautious bear case (57,355 VND). The market is more pessimistic than our downside scenario.
- Solid quality (63/100) at a price below fair value, the discount is the argument here, not the business quality.
- 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 16, 2026.
How to read this chart
60‑month range 4,760 VND – 56,000 VND · fair‑value band 57,355 VND – 95,592 VND · the 52,900 VND price screens below the 76,473 VND fair value. Dashed = 300-day average. As of Jul 16, 2026.
Analysis
Fortune Vietnam Joint Stock Commercial Bank (LPB) currently trades at 52,900 VND, while our model-based Fair Value estimate is 76,473 VND, implying the stock looks roughly 44.6% undervalued today. The Quality Score stands at 63/100 (solid 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, Fortune Vietnam Joint Stock Commercial Bank generated revenue of 20.2T VND at a net margin of 55.2%. Revenue declined 2.5% year over year. It earns a return on equity of 23.4%. Net debt stands at 12.2T VND. Fundamentals as of Jul 16, 2026
Our scenario range runs from 57,355 VND (bear case) to 95,592 VND (bull case); at 52,900 VND, the current price sits below 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 4% below its 52-week high and 79% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 45%, LPB screens cheaper 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: Dividend Discount (43,006 VND) versus Asset-Based (10,585 VND). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 16, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 69 · Market factors (momentum, volatility) 79
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
Fortune Vietnam Joint Stock Commercial Bank provides banking products and services in Vietnam. The company offers current accounts and loans, including Production and business loans, real estate loans, rural agriculture loans, retirement credit, non-fixed fixed consumer loans, consumer loans with fixed assets, car loans, lending group, project financing, …
Full company description
Fortune Vietnam Joint Stock Commercial Bank provides banking products and services in Vietnam. The company offers current accounts and loans, including Production and business loans, real estate loans, rural agriculture loans, retirement credit, non-fixed fixed consumer loans, consumer loans with fixed assets, car loans, lending group, project financing, capital financing, trade financing capital financing, and other loans. It also provides life and non-life insurance products; Credit and Payment Cards, as well as POS machines; domestic payment services; international money transfer and remittance services; payment and cash flow management; guarantees; hybrid solutions; credit package for construction enterprises; LocPhat Pay, a smart payment and cash flow management solutions; Fortune Vietnam Joint Stock Commercial Bank was formerly known as Lien Viet Post Joint Stock Commercial Bank and changed its name to Fortune Vietnam Joint Stock Commercial Bank in July 2024. The company was founded in 2008 and is based in Ninh Binh, Vietnam.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Fortune Vietnam Joint Stock Commercial Bank reported revenue of 21.9T VND in FY2025 versus 10.2T VND in FY2021, a compound +21.1%/yr. Reported net income was 11.4T VND in FY2025, compounding +41.2%/yr from FY2021.
Watch LPB: get an alert when its fair value changes →
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.
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 16, 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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