Vietnam Prosperity Joint Stock Commercial Bank (VPB) fair value: what the stock is really worth
As of Nov 9, 2026: fair value (intrinsic value) of Vietnam Prosperity Joint Stock Commercial Bank stock VND 17,714, price VND 22,250, that is 20.4% below the price, quality 60 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range 8,585 VND – 29,594 VND · fair‑value band 15,088 VND – 24,846 VND · the 22,250 VND price screens above the 17,714 VND fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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Vietnam Prosperity Joint Stock Commercial Bank provides various banking products and services to organizations and individuals in Vietnam. It operates through Banking and Credit Granting, Finance Company, Asset and Liabilities Management, Securities, and Insurance segments.
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The company offers deposit products, including current and savings accounts; term and demand deposits; loans, including unsecured and secured loans; bancassurance; and card services.
It also provides tap and pay services, e-banking, mortgage and auto loan, debit and credit, payment gateway, card payment services, trade finance, online chiropractic and disbursement services, tax payment, import and export services, internet banking, and financial market products, as well as personal services, such as interbank money transfer, western union service, salary payment service, currency exchange service, counting service, foreign currency verification service.
The company was formerly known as Vietnam Joint Sock Commercial Bank for Private Enterprises and changed its name to Vietnam Prosperity Joint Stock Commercial Bank in July 2010. Vietnam Prosperity Joint Stock Commercial Bank was founded in 1993 and is headquartered in Hanoi, Vietnam.
Stock analysis
Vietnam Prosperity Joint Stock Commercial Bank (VPB) currently trades at 22,250 VND, while our model-based Fair Value estimate is 17,714 VND, 20% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 27,308 VND per share, and 2 of the 6 models we run sit above the 22,250 VND price.
Bear case: the Dividend Discount group reads lowest at 4,801 VND, and 4 of the 6 models stay below the price. Data coverage for this calculation is low.
Scenario range: 15,088 VND (bear) to 24,846 VND (bull), the price of 22,250 VND sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 60/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Vietnam Prosperity Joint Stock Commercial Bank reported revenue of 74.9T VND in FY2025 versus 45.6T VND in FY2021, a compound +13.2%/yr. Reported net income was 24.0T VND in FY2025, compounding +19.6%/yr from FY2021.
Key figures
Market cap 223T VND (≈ $8.7B) Mid · P/E ratio 7.3 · P/S ratio 3.69 · EPS (TTM) 3,045 VND · Dividend yield 1.8% · Net margin 53.0% · Return on equity 17.8% · Return on assets 2.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 72 out of 100 (low confidence).
What moves the price
The share trades about 9% below its 52-week high and 21% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −20%, VPB screens cheaper than that median.
Fair Value models
Bear15,088 VNDFair Value 17,714 VNDBull24,846 VND
Price 22,250 VND · Downside -20.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (2,271 VND per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+19.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.7%
Start year 2020 (pandemic)
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.2%
’19
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’25
What shareholders gained per year (last 5 years), in VND (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. Measured in VND: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+16.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+14.5%
Dividend (yield on the price)1.8%
2025 sits 52% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
News mood ⓘNews mood, the average tone of recent news (5 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Neutral
Recent news coverage is roughly neutral, about typical for how stocks are covered.
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Peer Groupⓘ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.Banks - Regional · 996 stocks
Beats the industry median on 8/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score60 · Above median
Fair Value upside−19.7% · Below median
Profitability
Return on equity (12 months)17.8% · Top 25%
Return on assets1.9% · Top 25%
Net margin (12 months)53.0% · Top 25%
Operating margin (12 months)69.7% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)16.5% · Above median
Dividend yield (12 months)1.8% · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Vietnam Prosperity Joint Stock Commercial Bank Fair Value". https://www.fairvalue-calculator.com/stock/VPB
Frequently asked questions
Is Vietnam Prosperity Joint Stock Commercial Bank (VPB) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of 17,714 VND versus a price of 22,250 VND, about 20% lower (overvalued).
What is the fair value of VPB?
Our model-based fair value for Vietnam Prosperity Joint Stock Commercial Bank is 17,714 VND (as of Nov 6, 2026), built from audited fundamentals. The current price: 22,250 VND.
What is the quality score of VPB?
Vietnam Prosperity Joint Stock Commercial Bank has a Quality Score of 60/100. 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 price target for Vietnam Prosperity Joint Stock Commercial Bank (VPB)?
Our model-based price target is the fair value of 17,714 VND (as of Nov 6, 2026) from 6 valuation models. Cautious scenario 15,088 VND, optimistic scenario 24,846 VND. It is a calculation from audited fundamentals, not an analyst target.
What is the Vietnam Prosperity Joint Stock Commercial Bank stock forecast for 2026?
Our models put fair value at 17,714 VND, about 20% lower versus a price of 22,250 VND (overvalued). Cautious scenario 15,088 VND, optimistic scenario 24,846 VND. The calculation is refreshed regularly with new filings.
What is the revenue of Vietnam Prosperity Joint Stock Commercial Bank (VPB)?
Vietnam Prosperity Joint Stock Commercial Bank reported trailing-twelve-month revenue of about 59.8T VND (latest available figure, as of Nov 6, 2026).
Does Vietnam Prosperity Joint Stock Commercial Bank pay a dividend?
Vietnam Prosperity Joint Stock Commercial Bank currently shows a dividend yield of 1.78% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Vietnam Prosperity Joint Stock Commercial Bank (VPB) and when is the ex-dividend date?
Vietnam Prosperity Joint Stock Commercial Bank pays a dividend of 396.70 VND per share a year, a dividend yield of 1.8%. The last ex-dividend date was May 15, 2026. The payout ratio is 13.0% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Vietnam Prosperity Joint Stock Commercial Bank (VPB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Vietnam Prosperity Joint Stock Commercial Bank it is 17,714 VND per share (as of Nov 6, 2026), against a price of 22,250 VND. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Vietnam Prosperity Joint Stock Commercial Bank stock overvalued or undervalued in 2026?
As of Nov 6, 2026, VPB trades above its calculated fair value: price 22,250 VND, fair value 17,714 VND, a gap of about −20% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of VPB?
No. The price is what the market pays today (22,250 VND); the fair value is what the company's own numbers justify (17,714 VND). For Vietnam Prosperity Joint Stock Commercial Bank the two are 4,536 VND per share apart. That gap is exactly why we show both numbers side by side.
How much is Vietnam Prosperity Joint Stock Commercial Bank worth?
The market values Vietnam Prosperity Joint Stock Commercial Bank at about 223T VND (market capitalisation, as of Nov 6, 2026). Per share that is 22,250 VND; our models calculate a fair value of 17,714 VND per share.
What do the bullish and bearish scenarios say about VPB?
Our models span a range for Vietnam Prosperity Joint Stock Commercial Bank: cautious scenario 15,088 VND, base 17,714 VND, optimistic 24,846 VND per share (as of Nov 6, 2026, price 22,250 VND). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of VPB?
Vietnam Prosperity Joint Stock Commercial Bank trades at a price-to-earnings ratio of 7.3 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 17,714 VND is built from several models across several years. Other multiples: P/B 1.3, P/S 3.7.
How solid is the balance sheet of Vietnam Prosperity Joint Stock Commercial Bank (VPB)?
Balance-sheet figures for Vietnam Prosperity Joint Stock Commercial Bank (as of Nov 6, 2026): return on equity 17.8%. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is VPB from its 52-week high?
Vietnam Prosperity Joint Stock Commercial Bank trades at 22,250 VND, about 9% below its 52-week high of 24,500 VND and 21% above the low of 18,377 VND (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of 17,714 VND is for.
Which stocks are comparable to Vietnam Prosperity Joint Stock Commercial Bank?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Vietnam Prosperity Joint Stock Commercial Bank stock attractive at the current price?
The data as of Nov 6, 2026: price 22,250 VND, calculated fair value 17,714 VND (−20%), Quality Score 60/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of VPB calculated?
We run Vietnam Prosperity Joint Stock Commercial Bank through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 17,714 VND builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Vietnam Prosperity Joint Stock Commercial Bank itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Vietnam Prosperity Joint Stock Commercial Bank (VPB)?
The closing price on Nov 9, 2026 was 22,250 VND. Our model-based fair value is 17,714 VND, about 20% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Vietnam Prosperity Joint Stock Commercial Bank right now?
Solid but not exceptional quality (60/100) and above fair value, neither a clear bargain nor a standout compounder. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Vietnam Prosperity Joint Stock Commercial Bank
How large is the market capitalisation of Vietnam Prosperity Joint Stock Commercial Bank (VPB)?
The market capitalisation of Vietnam Prosperity Joint Stock Commercial Bank is 223T VND (≈ $8.7B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Vietnam Prosperity Joint Stock Commercial Bank (VPB)?
The price-to-sales ratio of Vietnam Prosperity Joint Stock Commercial Bank is 3.69 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Vietnam Prosperity Joint Stock Commercial Bank (VPB)?
Earnings per share at Vietnam Prosperity Joint Stock Commercial Bank are 3,045 VND (price ÷ EPS = P/E 7.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Vietnam Prosperity Joint Stock Commercial Bank (VPB)?
The dividend yield of Vietnam Prosperity Joint Stock Commercial Bank is 1.8% (payout 13.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Vietnam Prosperity Joint Stock Commercial Bank (VPB)?
The net margin of Vietnam Prosperity Joint Stock Commercial Bank is 53.0% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Vietnam Prosperity Joint Stock Commercial Bank (VPB)?
The return on equity (ROE) of Vietnam Prosperity Joint Stock Commercial Bank is 17.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Vietnam Prosperity Joint Stock Commercial Bank (VPB)?
The return on assets (ROA) of Vietnam Prosperity Joint Stock Commercial Bank is 2.4% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Vietnam Prosperity Joint Stock Commercial Bank (VPB)?
The operating margin of Vietnam Prosperity Joint Stock Commercial Bank is 69.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Vietnam Prosperity Joint Stock Commercial Bank (VPB)?
Revenue at Vietnam Prosperity Joint Stock Commercial Bank is growing +16.5% versus a year earlier (3y avg +8.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Vietnam Prosperity Joint Stock Commercial Bank (VPB)?
Earnings per share at Vietnam Prosperity Joint Stock Commercial Bank are growing +72.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Vietnam Prosperity Joint Stock Commercial Bank (VPB) generate?
The free cash flow of Vietnam Prosperity Joint Stock Commercial Bank is 44.4T VND (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Vietnam Prosperity Joint Stock Commercial Bank (VPB) carry?
The net debt of Vietnam Prosperity Joint Stock Commercial Bank is 64.2T VND (fiscal year 2025, ≈ 1.4 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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