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Vingroup Joint Stock Company (VIC) Fair Value & Analysis

Real Estate · VN · Market cap 1,672T VND

VJ Vingroup Joint Stock Company VIC · VN
Price218,800 VND
Fair Value25,731 VND
Upside-88.2%
Quality41/100
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Expensive Growth
Thin margins · 3.3% net margin
High debt · negative free cash flow
Trails peers (2/12)
Narrow moat 37/100
Evidence: High Range 19,298 VND – 32,164 VND Share as image

Fair value as of: Jul 12, 2026

From 12 valuation models · updated 27 days ago

Share price −0.7% over the past month.

Below-average quality, and screening another 88% overvalued on our models.

What matters now

  • The price sits above even our optimistic bull case (32,164 VND). The favourable scenario is already priced in.
  • Weak quality (41/100) and above fair value at the same time, the margin of safety is missing on both counts.
  • 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)

230,500 VND 19,950 VND Fair Value 25,731 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 19,950 VND – 230,500 VND · fair‑value band 19,298 VND – 32,164 VND · the 218,800 VND price screens above the 25,731 VND fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 12, 2026.

Full chart & analysis →

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Analysis

Vingroup Joint Stock Company (VIC) currently trades at 218,800 VND, while our model-based Fair Value estimate is 25,731 VND, implying the stock looks roughly 88.2% overvalued today. We read business quality at 41/100 (below-average quality), in the Real Estate 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, Vingroup Joint Stock Company generated revenue of 352T VND at a net margin of 3.3%. Revenue grew 24.5% year over year. It earns a return on equity of 9.3%. Net debt stands at 265T VND. Fundamentals as of Jul 12, 2026

Our scenario range runs from 19,298 VND (bear case) to 32,164 VND (bull case); at 218,800 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 6% below its 52-week high, currently above its 200-day average. For context, the median of 10 Real Estate peers we cover trades at -2% fair-value upside, at -88%, VIC 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 16,586 VND 17,766 VND 20,589 VND 76
Gordon GGM 3,306 VND 7,217 VND 12,143 VND 70
Growth-Adj P/E 35,556 VND 50,794 VND 66,032 VND 68
All 12 models by family
Earnings-Based
Graham-Dodd 10,292 VND 71,777 VND 100,729 VND 54
Lynch FV 28,808 VND 41,154 VND 53,500 VND 50
PEG = 1.0 28,808 VND 41,154 VND 53,500 VND 46
Dividend Discount
Gordon GGM 3,306 VND 7,217 VND 12,143 VND 70
DDM Multi-Stage 3,306 VND 5,912 VND 7,521 VND 61
Multiples
P/E Multiple 22,704 VND 30,272 VND 37,839 VND 63
P/S Multiple 19,298 VND 25,731 VND 32,164 VND 58
P/B Multiple 19,298 VND 25,731 VND 32,164 VND 55
EV/EBITDA 25,759 VND 41,056 VND 56,352 VND 54
Asset-Based
NCAV (Graham) 9,911 VND 13,280 VND 19,821 VND 50
Economic Profit
Residual Income 16,586 VND 17,766 VND 20,589 VND 76
Growth Earnings
Growth-Adj P/E 35,556 VND 50,794 VND 66,032 VND 68

Widest divergence: Growth Earnings (50,794 VND) versus Dividend Discount (5,912 VND). Highest evidence: Residual Income (76).

Key figures & financial health

Revenue (TTM) 352T VND
Revenue growth (YoY) +24.5%
Net margin 3.3%
Return on equity 9.3%
Free cash flow −6.9T VND FY2025
P/E ratio 137.2
More key figures
Operating margin 13.9%
EPS (TTM) 1,410 VND
EPS growth (YoY) -1.4%
Net debt 265T VND FY2025

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

Quality Score breakdown

Overall quality 41/100

Of which business quality 31 · Market factors (momentum, volatility) 67

Profitability 21
Margins and returns on capital today
Quality Growth 67
Are margins and returns improving?
Cashflow 46
Earnings quality: real cash, not paper profit
Fin. Strength 7
Balance sheet, leverage, solvency risk
Investment 16
Disciplined investing over empire-building
Low Volatility 22
Calm price path (market factor)
Momentum 82
Price trend over the last 3–12 months (market factor)
52W Momentum 94
Distance to the 52-week high (market factor)
Net Issuance 36
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

Vingroup Joint Stock Company invests in, constructs, and trades in real estate properties in Vietnam. It operates through Sale of Inventory Properties; Leasing Investment Properties and Related Services; Hospitality, Entertainment and Related Services; Health Care and Related Services; Education and Related Services; Manufacturing and Related Activities; …

Full company description

Vingroup Joint Stock Company invests in, constructs, and trades in real estate properties in Vietnam. It operates through Sale of Inventory Properties; Leasing Investment Properties and Related Services; Hospitality, Entertainment and Related Services; Health Care and Related Services; Education and Related Services; Manufacturing and Related Activities; General Contractor and Related Services; and Others segments. The company leases office and retail areas; operates hotels and resorts; manufactures and trades in automotive vehicles; and provides health care, education, general contractor, real estate management, information technology, real estate broker, and other services. The company was formerly known as Vincom Joint Stock Company and changed its name to Vingroup Joint Stock Company in April 2012. Vingroup Joint Stock Company was founded in 1993 and is headquartered in Hanoi, Vietnam.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Vingroup Joint Stock Company reported revenue of 332T VND in FY2025 versus 126T VND in FY2021, a compound +27.5%/yr. Reported net income was 11.3T VND in FY2025.

Growth Quality 52/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Latest Revenue (FY 2025)
332T VND
Latest YoY
+75.5%
Avg. growth/yr (3Y)
+48.3%
Avg. growth/yr (5Y)
+24.6%
Avg. growth/yr (6Y)
+16.9%
Revenue +27.5%/yr
FY21 126T VND
FY22 102T VND
FY23 161T VND
FY24 189T VND
FY25 332T VND
Net income
FY21 −2.5T VND
FY22 8.8T VND
FY23 2.2T VND
FY24 11.9T VND
FY25 11.3T VND

VIC screens 88% overvalued. Compare with KE Holdings →

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

Peer Group

Real Estate Services · 522 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 41 · Bottom 25%
Fair Value upside −88% · Bottom 25%
Return on equity (TTM) 9% · Above median
Return on assets 1% · Below median
Net margin (TTM) 3% · Below median
Operating margin (TTM) 14% · Below median
Revenue growth 25% · Top 25%
Debt / equity 1.51× · Higher than 75% of peers

Valuation Multiples vs Real Estate Services median · lower = cheaper

P/E (TTM) 158.7× · Pricier than 75% of peers
P/B 11.25× · Pricier than 75% of peers
P/S (TTM) 4.75× · Pricier than median
EV/EBITDA 45.5× · 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 0 · sector 40
FUTURE 100 · sector 10
PAST 37 · sector 16
HEALTH 25 · sector 85
DIVIDEND 0 · sector 49

VALUE 0: the price sits above our fair-value range.

Insider activity: 40/100

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 Services stocks, each showing price versus our Fair Value estimate (as of Jul 12, 2026).

Stock Price Fair Value vs Fair Value
KE Holdings 2423 HK$44.76 HK$18.03 -60%
Swire Properties Limited 1972 HK$23.90 HK$18.75 -22%
China Resources Mixc Lifestyle Services Limited 1209 HK$39.92 HK$34.92 -13%
Plaza S.A MALLPLAZA 3,725 CLP 5,571 CLP +50%
SAGAA SAGAA kr 170.00 kr 75.55 -56%
Cencosud Shopping S.A CENCOMALLS 2,324 CLP 2,976 CLP +28%
PT Sarana Menara Nusantara Tbk. owns and TOWR 372.00 IDR 1,208 IDR +225%
PT Metropolitan Kentjana Tbk MKPI 20,975 IDR 19,160 IDR -9%
PT Bangun Kosambi Sukses Tbk, CBDK 3,530 IDR 3,464 IDR -2%
IRSA Inversiones y Representaciones Sociedad Anónima, IRSA 2,495 ARS 3,998 ARS +60%

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Frequently asked questions

Is Vingroup Joint Stock Company (VIC) overvalued or undervalued?
As of Jul 12, 2026, our model estimates a fair value of 25,731 VND versus a price of 218,800 VND, about −88% (overvalued).
What is the fair value of VIC?
Our model-based fair value for Vingroup Joint Stock Company is 25,731 VND (as of Jul 12, 2026), built from audited fundamentals. The current price is 218,800 VND.
What is the quality score of VIC?
Vingroup Joint Stock Company has a Quality Score of 41/100. 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 Vingroup Joint Stock Company (VIC)?
Vingroup Joint Stock Company reported trailing-twelve-month revenue of about 352T VND (latest available figure, as of Jul 12, 2026).
What is the net profit margin of VIC?
The net profit margin of Vingroup Joint Stock Company is about 3.3%, meaning it keeps roughly 3.3% 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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