Southeast Asia Commercial Joint Stock Bank (SSB) Fair Value & Analysis
Financial Services · VN · Market cap 49.4T VND
Fair value as of: Jun 26, 2026
From 16 valuation models · updated 3 days ago
Share price +15.4% over the past month.
Price vs Fair Value (12 months)
12‑month range 12,729 VND – 18,039 VND · fair‑value band 15,667 VND – 26,111 VND · the 15,200 VND price screens below the 20,889 VND fair value. As of Jun 26, 2026.
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Southeast Asia Commercial Joint Stock Bank (SSB) currently trades at 15,200 VND, while our model-based Fair Value estimate is 20,889 VND — implying the stock looks roughly 37.4% 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, Southeast Asia Commercial Joint Stock Bank generated revenue of 8.5T VND at a net margin of 37.0%. Revenue declined 56.9% year over year. It earns a return on equity of 7.8%. Net debt stands at 759B 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
Southeast Asia Commercial Joint Stock Bank provides retail and corporate banking products and services in Vietnam. It offers payment, business, payroll, current, and savings accounts; periodic, margin, term, and prepaid interest deposits, as well as deposits with withdrawal option; escrow services; instalment, women's union, overdraft, livestock, teacher, civil servant, and unsecured business loans; home, car, and personal mortgage loans; business loans; financing for auto dealers, air ticket agents, supply contract, rice, construction materials, plastic, seafood export, pharmaceutical and medical supplies, construction and installation, and fast moving consumer goods sectors; and basic loans, credit facility in chains, and commitment on capital arrangement, as well as refinance services. The company also provides trade finance and guarantees; cash flow and treasury management; credit and debit cards; online and mobile banking; life, car, private house/apartment, health care, and tr…
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Southeast Asia Commercial Joint Stock Bank reported revenue of 11.6T VND in FY2025 versus 7.1T VND in FY2021, a compound +12.9%/yr. Reported net income was 5.5T VND in FY2025, compounding +20.6%/yr from FY2021.
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| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| HDFC Bank Limited HDFCBANK | ₹747.05 | ₹894.11 | +20% |
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| PT Bank Central Asia Tbk BBCA | 6,225 IDR | 6,617 IDR | +6% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,880 IDR | 5,760 IDR | +100% |
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| KB Financial Group 105560 | 154,000 KRW | 172,992 KRW | +12% |
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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.