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Ho Chi Minh City Development Joint Stock Commercial Bank (HOSE:HDB)
Vietnam flag Vietnam · Delayed Price · Currency is VND
21,800
-100 (-0.46%)
At close: Nov 3, 2026

HOSE:HDB Financials Overview

Millions VND. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
37,203,28332,947,47828,710,75022,145,93418,898,76514,452,385
Revenue Growth
23.12%14.76%29.64%17.18%30.77%20.66%
Net Income
19,305,29416,524,38812,742,95310,060,8987,739,7946,043,519
Earnings Per Share
3845.292662.521981.781719.191329.121032.71
EPS Growth
78.58%34.35%15.27%29.35%28.70%41.11%

Revenue by Geography
Chart
Fiscal Year
FY 2025
Period EndingDec '25
Northern Region
13,596,643
Central Region
2,569,492
Southern Region
16,781,343
Total
32,947,478

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
213,661,643160,958,005132,537,031109,621,14045,058,30369,480,976
Total Debt
197,600,968113,687,01481,426,15982,323,92687,642,93883,842,197
Net Cash (Debt)
16,060,67547,270,99151,110,87227,297,214-42,584,635-14,361,221
Net Cash Growth
-73.88%-7.51%87.24%---
Net Cash Per Share
3199.027545.227758.794664.51-7312.85-2454.03

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-217,552,431-118,413,313-61,081,360-93,757,447-33,643,753-25,077,438
Capital Expenditures
-646,320-350,338-541,148-273,921-122,001-353,900
Free Cash Flow
-218,198,751-118,763,651-61,622,508-94,031,368-33,765,754-25,431,338
Free Cash Flow Growth
------

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
51.89%50.15%44.38%45.43%40.95%41.82%
FCF Margin
-586.50%-360.46%-214.63%-424.60%-178.67%-175.97%

Dividends
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22
Dividend Per Share
494.275--494.275429.805
Dividend Per Share Growth
---15.00%-
Dividend Yield
2.27%--4.93%6.28%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
5.679.006.995.845.1810.15
Forward PE
5.437.055.985.164.459.47
PS Ratio
3.834.513.102.652.124.25