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Vinhomes Joint Stock Company (VHM) Fair Value & Analysis

Real Estate · VN · Market cap 604T VND

VJ Vinhomes Joint Stock Company VHM · VN
Price77,100 VND
Fair Value147,415 VND
Upside+91.2%
Quality43/100
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Healthy Growth
Highly profitable · 32.0% net margin
Low debt · generates free cash flow
4.03% dividend yield
Ranks above peers (9/14)
Wide moat 79/100
Evidence: High Range 90,363 VND – 326,731 VND Share as image

Fair value as of: Jul 12, 2026

From 26 valuation models · updated 27 days ago

Fair value updated Jul 12, 2026, revised from 109,431 VND to 147,415 VND (+34.7%) since Jun 25, 2026. Share price −48.6% over the past month.

Below-average quality, screening 91% undervalued on our models.

What matters now

  • The large discount to fair value meets weak quality (43/100). That raises the risk this is a value trap rather than a bargain.
  • The price is below even our cautious bear case (90,363 VND). The market is more pessimistic than our downside scenario.
  • The model range is unusually wide (90,363 VND to 326,731 VND). The outcome hinges heavily on assumptions, so read the point estimate with caution.
  • As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
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Price vs Fair Value (5 years)

157,926 VND 33,222 VND Fair Value 147,415 VND Apr 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 12, 2026.

How to read this chart

60‑month range 33,222 VND – 157,926 VND · fair‑value band 90,363 VND – 326,731 VND · the 77,100 VND price screens below the 147,415 VND fair value. Dashed = 300-day average. As of Jul 12, 2026.

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Analysis

Vinhomes Joint Stock Company (VHM) currently trades at 77,100 VND, while our model-based Fair Value estimate is 147,415 VND, implying the stock looks roughly 91.2% undervalued today. We read business quality at 43/100 (below-average quality), in the Real Estate 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, Vinhomes Joint Stock Company generated revenue of 203T VND at a net margin of 32.0%. It earns a return on equity of 26.7%. Net debt stands at 96.3T VND. The stock trades on a trailing P/E of 26.3. Fundamentals as of Jul 12, 2026

Our scenario range runs from 90,363 VND (bear case) to 326,731 VND (bull case); at 77,100 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 56% below its 52-week high and 16% above its 52-week low, currently below its 200-day average. For context, the median of 10 Real Estate peers we cover trades at 32% fair-value upside, at 91%, VHM 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.

Model BearBaseBull Evidence
Highest evidence
Growth DCF 92,674 VND 191,340 VND 399,305 VND 80
Residual Income 72,030 VND 101,625 VND 520,898 VND 76
Rev-Margin DCF 74,408 VND 151,707 VND 303,665 VND 74
All 26 models by family
DCF Models
FCF DCF 99,113 VND 167,698 VND 391,955 VND 38
Owner Earnings 103,642 VND 260,140 VND 603,371 VND 31
5Y Revenue Exit 70,457 VND 130,984 VND 257,639 VND 39
5Y EBITDA Exit 92,105 VND 174,774 VND 336,978 VND 41
5Y P/E Exit 134,604 VND 331,055 VND 601,286 VND 38
10Y Revenue Exit 77,179 VND 184,524 VND 252,596 VND 36
10Y EBITDA Exit 96,441 VND 232,240 VND 469,470 VND 37
10Y P/E Exit 128,162 VND 325,913 VND 657,047 VND 35
Earnings-Based
Graham-Dodd 69,359 VND 483,703 VND 678,804 VND 54
Lynch FV 206,273 VND 294,676 VND 383,078 VND 50
PEG = 1.0 206,273 VND 294,676 VND 383,078 VND 46
EPV 58,945 VND 71,620 VND 82,886 VND 59
Dividend Discount
Gordon GGM 2,647 VND 5,779 VND 9,724 VND 70
DDM Multi-Stage 2,647 VND 4,734 VND 6,023 VND 61
Multiples
P/E Multiple 152,999 VND 203,998 VND 254,998 VND 63
P/S Multiple 69,967 VND 93,289 VND 116,612 VND 58
P/B Multiple 129,390 VND 172,520 VND 215,650 VND 55
EV/EBIT 115,245 VND 157,953 VND 200,660 VND 53
EV/EBITDA 85,110 VND 117,773 VND 150,436 VND 54
EV/Revenue 52,424 VND 80,411 VND 108,398 VND 43
Asset-Based
NCAV (Graham) 28,753 VND 38,530 VND 57,507 VND 50
Growth DCF
Growth DCF 92,674 VND 191,340 VND 399,305 VND 80
Rev-Margin DCF 74,408 VND 151,707 VND 303,665 VND 74
Economic Profit
Residual Income 72,030 VND 101,625 VND 520,898 VND 76
ROIC Compounder 60,936 VND 93,212 VND 125,713 VND 72
Growth Earnings
Growth-Adj P/E 251,016 VND 358,594 VND 466,173 VND 68

Widest divergence: Growth Earnings (358,594 VND) versus Dividend Discount (4,734 VND). Highest evidence: Growth DCF (80).

Key figures & financial health

Revenue (TTM) 203T VND
Revenue growth (YoY) +315%
Net margin 32.0%
Return on equity 26.7%
Free cash flow 25.8T VND FY2025
P/E ratio 26.3
More key figures
Operating margin 46.2%
EPS (TTM) 5,577 VND
Dividend yield 4.0%
EPS growth (YoY) +850%
Net debt 96.3T VND FY2025

Figures from reported company fundamentals · as of Jul 12, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 43/100

Of which business quality 51 · Market factors (momentum, volatility) 20

Profitability 45
Margins and returns on capital today
Quality Growth 47
Are margins and returns improving?
Cashflow 61
Earnings quality: real cash, not paper profit
Fin. Strength 39
Balance sheet, leverage, solvency risk
Investment 22
Disciplined investing over empire-building
Low Volatility 18
Calm price path (market factor)
Momentum 28
Price trend over the last 3–12 months (market factor)
52W Momentum 10
Distance to the 52-week high (market factor)
Net Issuance 90
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

Vinhomes Joint Stock Company develops and sells real estate properties in Vietnam. The company also leases office properties. In addition, it provides real estate management and related services; general contractor; consulting and designing construction; and supervision and construction management services.

Full company description

Vinhomes Joint Stock Company develops and sells real estate properties in Vietnam. The company also leases office properties. In addition, it provides real estate management and related services; general contractor; consulting and designing construction; and supervision and construction management services. The company was formerly known as Hanoi Southern City Development Joint Stock Company and changed its name to Vinhomes Joint Stock Company in February 2018. The company was incorporated in 2008 and is headquartered in Hanoi, Vietnam. Vinhomes Joint Stock Company operates as a subsidiary of Vingroup Joint Stock Company.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Vinhomes Joint Stock Company reported revenue of 153T VND in FY2025 versus 85.0T VND in FY2021, a compound +15.9%/yr. Reported net income was 41.9T VND in FY2025, compounding +1.9%/yr from FY2021.

Growth Quality 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2025)
153T VND
Latest YoY
+49.8%
Avg. growth/yr (3Y)
+34.9%
Avg. growth/yr (5Y)
+16.5%
Avg. growth/yr (6Y)
+19.9%
Revenue +15.9%/yr
FY21 85.0T VND
FY22 62.4T VND
FY23 104T VND
FY24 102T VND
FY25 153T VND
Net income +1.9%/yr
FY21 38.8T VND
FY22 28.8T VND
FY23 33.4T VND
FY24 31.8T VND
FY25 41.9T VND

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

Peer Group

Real Estate - Development · 592 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 43 · Below median
Fair Value upside +91% · Top 25%
Return on equity (TTM) 27% · Top 25%
Return on assets 6% · Top 25%
Net margin (TTM) 32% · Top 25%
Operating margin (TTM) 46% · Top 25%
Revenue growth 315% · Top 25%
Dividend yield (TTM) 4.0% · Above median
Debt / equity 0.44× · Higher than median

Valuation Multiples vs Real Estate - Development median · lower = cheaper

P/E (TTM) 26.4× · Pricier than median
P/B 2.56× · Pricier than 75% of peers
P/S (TTM) 2.98× · Pricier than 75% of peers
P/FCF 0.0× · Cheaper than 75% of peers
EV/EBITDA 9.7× · Cheaper than median

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 100 · sector 48
FUTURE 100 · sector 0
PAST 100 · sector 9
HEALTH 78 · sector 85
DIVIDEND 81 · sector 39

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 Real Estate - Development stocks, each showing price versus our Fair Value estimate (as of Jul 12, 2026).

Stock Price Fair Value vs Fair Value
DLF Limited DLF ₹657.75 ₹159.49 -76%
Lodha Developers Limited LODHA ₹1,188 ₹583.43 -51%
PT Pantai Indah Kapuk Dua Tbk, PANI 6,125 IDR 1,330 IDR -78%
Oberoi Realty Limited OBEROIRLTY ₹1,925 ₹1,183 -39%
Godrej Properties Limited GODREJPROP ₹2,102 ₹1,044 -50%
PT Jaya Real Property, Tbk., JRPT 1,080 IDR 1,674 IDR +55%
PT Bumi Serpong Damai Tbk, BSDE 555.00 IDR 1,388 IDR +150%
PT Sentul City Tbk, BKSL 64.00 IDR 84.16 IDR +32%
PT Ciputra Development Tbk, CTRA 555.00 IDR 1,388 IDR +150%
PT Duta Pertiwi Tbk DUTI 4,100 IDR 6,239 IDR +52%

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Frequently asked questions

Is Vinhomes Joint Stock Company (VHM) overvalued or undervalued?
As of Jul 12, 2026, our model estimates a fair value of 147,415 VND versus a price of 77,100 VND, about +91% (undervalued).
What is the fair value of VHM?
Our model-based fair value for Vinhomes Joint Stock Company is 147,415 VND (as of Jul 12, 2026), built from audited fundamentals. The current price is 77,100 VND.
What is the quality score of VHM?
Vinhomes Joint Stock Company has a Quality Score of 43/100. It combines two groups: business quality (profitability, growth, cash flow, balance-sheet strength) and market factors (price momentum, distance to the 52-week high, volatility). Both subtotals are shown separately in the detail view.
What is the revenue of Vinhomes Joint Stock Company (VHM)?
Vinhomes Joint Stock Company reported trailing-twelve-month revenue of about 203T VND (latest available figure, as of Jul 12, 2026).
What is the net profit margin of VHM?
The net profit margin of Vinhomes Joint Stock Company is about 32.0%, meaning it keeps roughly 32.0% of revenue as net income. Based on the latest reported figures.
Does Vinhomes Joint Stock Company pay a dividend?
Vinhomes Joint Stock Company currently shows a dividend yield of about 4.03% relative to its recent price (as of Jul 12, 2026).

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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