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Vietcap Securities Joint Stock Company (VCI) Fair Value & Analysis

Financial Services · VN · Market cap 28.8T VND

VS Vietcap Securities Joint Stock Company VCI · VN
Price21,750 VND
Fair Value16,897 VND
Upside-22.3%
Quality31/100
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Expensive Growth
Highly profitable · 30.2% net margin
Low debt · negative free cash flow
Mixed vs. peers (6/13)
Wide moat 68/100
Evidence: High Range 12,673 VND – 21,121 VND Share as image

Fair value as of: Jul 13, 2026

From 9 valuation models · updated 28 days ago

Share price −14.4% over the past month.

Below-average quality, and screening another 22% overvalued on our models.

What matters now

  • The price sits above even our optimistic bull case (21,121 VND). The favourable scenario is already priced in.
  • Weak quality (31/100) and above fair value at the same time, the margin of safety is missing on both counts.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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Price vs Fair Value (5 years)

34,885 VND 9,270 VND Fair Value 16,897 VND Apr 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 13, 2026.

How to read this chart

60‑month range 9,270 VND – 34,885 VND · fair‑value band 12,673 VND – 21,121 VND · the 21,750 VND price screens above the 16,897 VND fair value. Dashed = 300-day average. As of Jul 13, 2026.

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Analysis

Vietcap Securities Joint Stock Company (VCI) currently trades at 21,750 VND, while our model-based Fair Value estimate is 16,897 VND, implying the stock looks roughly 22.3% overvalued today. The Quality Score stands at 31/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, Vietcap Securities Joint Stock Company generated revenue of 4.6T VND at a net margin of 30.2%. Revenue grew 69.0% year over year. It earns a return on equity of 9.3%. Net debt stands at 12.9T VND. Fundamentals as of Jul 13, 2026

Our scenario range runs from 12,673 VND (bear case) to 21,121 VND (bull case); at 21,750 VND, the current price sits above 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 39% below its 52-week high, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 11% fair-value upside, at -22%, VCI screens richer 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.

Model BearBaseBull Evidence
Highest evidence
Residual Income 13,040 VND 13,905 VND 15,613 VND 76
Gordon GGM 1,504 VND 3,284 VND 5,526 VND 70
P/E Multiple 18,417 VND 24,556 VND 30,695 VND 63
All 9 models by family
DCF Models
Owner Earnings 21,602 VND 46,855 VND 102,239 VND 31
Earnings-Based
Graham-Dodd 7,951 VND 55,452 VND 77,818 VND 54
Lynch FV 19,432 VND 27,760 VND 36,088 VND 50
Dividend Discount
Gordon GGM 1,504 VND 3,284 VND 5,526 VND 70
DDM Multi-Stage 1,504 VND 2,690 VND 3,423 VND 61
Multiples
P/E Multiple 18,417 VND 24,556 VND 30,695 VND 63
P/B Multiple 14,909 VND 19,878 VND 24,848 VND 55
Asset-Based
NCAV (Graham) 7,847 VND 10,514 VND 15,693 VND 50
Economic Profit
Residual Income 13,040 VND 13,905 VND 15,613 VND 76

Widest divergence: DCF Models (46,855 VND) versus Dividend Discount (2,690 VND). Highest evidence: Residual Income (76).

Key figures & financial health

Revenue (TTM) 4.6T VND
Revenue growth (YoY) +69.0%
Net margin 30.2%
Return on equity 9.3%
Free cash flow −8.9T VND FY2025
P/E ratio 18.4
More key figures
Operating margin 80.0%
EPS (TTM) 1,367 VND
EPS growth (YoY) -2.4%
Net debt 12.9T VND FY2025

Figures from reported company fundamentals · as of Jul 13, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 31/100

Of which business quality 28 · Market factors (momentum, volatility) 27

Profitability 37
Margins and returns on capital today
Quality Growth 59
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 44
Balance sheet, leverage, solvency risk
Investment 33
Disciplined investing over empire-building
Low Volatility 63
Calm price path (market factor)
Momentum 20
Price trend over the last 3–12 months (market factor)
52W Momentum 0
Distance to the 52-week high (market factor)
Net Issuance 0
Buybacks instead of dilution

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

Vietcap Securities Joint Stock Company provides financial solutions to individuals and institutional clients in Vietnam. It offers retail investment advisory, institutional sales and trading, wealth management, and investment banking services.

Full company description

Vietcap Securities Joint Stock Company provides financial solutions to individuals and institutional clients in Vietnam. It offers retail investment advisory, institutional sales and trading, wealth management, and investment banking services. The company also provides securities brokerage, proprietary securities trading, underwriting and securities custodian, securities investment consultancy and corporate finance consultancy, margin lending, and derivatives trading service. In addition, it offers Vietcap Trading and Vietcap IQ trading platforms; Margin Product for investments; Ai news for business news; Vietcap Academy, and learning and development center, which provides investors with knowledge about vietnam's stock market; and Vietcap Webinar, a webinar series covering various topics presented by vietcap's top analysts. Vietcap Securities Joint Stock Company was incorporated in 2007 and is headquartered in Ho Chi Minh City, Vietnam.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Vietcap Securities Joint Stock Company reported revenue of 3.0T VND in FY2025 versus 2.5T VND in FY2021, a compound +4.4%/yr. Reported net income was 1.3T VND in FY2025, compounding −2.7%/yr from FY2021.

Growth Quality 62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Latest Revenue (FY 2025)
3.0T VND
Latest YoY
+31.5%
Avg. growth/yr (3Y)
+14.3%
Avg. growth/yr (5Y)
+17.5%
Avg. growth/yr (6Y)
+18.5%
Revenue +4.4%/yr
FY21 2.5T VND
FY22 2.0T VND
FY23 1.5T VND
FY24 2.2T VND
FY25 3.0T VND
Net income −2.7%/yr
FY21 1.5T VND
FY22 869B VND
FY23 492B VND
FY24 911B VND
FY25 1.3T VND

VCI screens 22% overvalued. Compare with Huatai Securities Co →

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Cite: Fair Value Calculator (2026). "Vietcap Securities Joint Stock Company Fair Value". https://www.fairvalue-calculator.com/stock/VCI

Peer Group

Capital Markets · 425 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.

Quality Score 31 · Bottom 25%
Fair Value upside −22% · Below median
Return on equity (TTM) 9% · Above median
Return on assets 5% · Top 25%
Net margin (TTM) 30% · Above median
Operating margin (TTM) 80% · Top 25%
Revenue growth 69% · Top 25%
Dividend yield (TTM) 0.0% · Bottom 25%

Valuation Multiples vs Capital Markets median · lower = cheaper

P/E (TTM) 18.4× · Pricier than median
P/B 1.60× · Pricier than median
P/S (TTM) 6.27× · Pricier than 75% of peers
EV/EBITDA 16.6× · Pricier than 75% of peers

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.

VALUE 4 · sector 9
FUTURE 100 · sector 96
PAST 37 · sector 30
HEALTH 100 · sector 93
DIVIDEND 0 · sector 36

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Capital Markets stocks, each showing price versus our Fair Value estimate (as of Jul 13, 2026).

Stock Price Fair Value vs Fair Value
Huatai Securities Co HTSC $0.2700 $0.0400 -85%
Mirae Asset Securities Co 006800 38,750 KRW 31,645 KRW -18%
Meritz Financial Group 138040 117,000 KRW 87,706 KRW -25%
Korea Investment Holdings 071050 239,000 KRW 318,825 KRW +33%
NH Investment & Securities Co 005940 31,000 KRW 37,133 KRW +20%
Samsung Securities Co 016360 107,700 KRW 126,487 KRW +17%
Motilal Oswal Financial Services Limited MOTILALOFS ₹967.00 ₹299.65 -69%
Kiwoom Securities Co 039490 322,000 KRW 358,091 KRW +11%
SSI Securities Corporation SSI 24,250 VND 28,021 VND +16%
Bolsas y Mercados Argentinos S.A BYMA 313.75 ARS 120.22 ARS -62%

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Frequently asked questions

Is Vietcap Securities Joint Stock Company (VCI) overvalued or undervalued?
As of Jul 13, 2026, our model estimates a fair value of 16,897 VND versus a price of 21,750 VND, about −22% (overvalued).
What is the fair value of VCI?
Our model-based fair value for Vietcap Securities Joint Stock Company is 16,897 VND (as of Jul 13, 2026), built from audited fundamentals. The current price is 21,750 VND.
What is the quality score of VCI?
Vietcap Securities Joint Stock Company has a Quality Score of 31/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of Vietcap Securities Joint Stock Company (VCI)?
Vietcap Securities Joint Stock Company reported trailing-twelve-month revenue of about 4.6T VND (latest available figure, as of Jul 13, 2026).
What is the net profit margin of VCI?
The net profit margin of Vietcap Securities Joint Stock Company is about 30.2%, meaning it keeps roughly 30.2% of revenue as net income. Based on the latest reported figures.

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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