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Ho Chi Minh City Development Joint Stock Commercial Bank (HOSE:HDB)
Vietnam flag Vietnam · Delayed Price · Currency is VND
25,850
-100 (-0.39%)
At close: Jul 24, 2026

HOSE:HDB Financials Overview

Millions VND. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
33,762,06932,947,47828,710,75022,145,93418,898,76514,452,385
Revenue Growth
12.13%14.76%29.64%17.18%30.77%20.66%
Net Income
17,056,27616,524,38812,742,95310,060,8987,739,7946,043,519
Earnings Per Share
3626.823461.272576.312234.951727.851342.52
EPS Growth
36.07%34.35%15.27%29.35%28.70%41.11%

Revenue by Geography
Chart
Fiscal YearFY 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 YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
195,811,876160,958,005132,537,031109,621,14045,058,30369,480,976
Total Debt
104,761,278113,687,01481,426,15982,323,92687,642,93883,842,197
Net Cash (Debt)
91,050,59847,270,99151,110,87227,297,214-42,584,635-14,361,221
Net Cash Growth
220.40%-7.51%87.24%---
Net Cash Per Share
19184.989808.7910086.426063.87-9506.71-3190.23

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-158,680,237-118,413,313-61,081,360-93,757,447-33,643,753-25,077,438
Capital Expenditures
-377,590-350,338-541,148-273,921-122,001-353,900
Free Cash Flow
-159,057,827-118,763,651-61,622,508-94,031,368-33,765,754-25,431,338
Free Cash Flow Growth
------

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
50.52%50.15%44.38%45.43%40.95%41.82%
FCF Margin
-471.11%-360.46%-214.63%-424.60%-178.67%-175.97%

Dividends
Chart
Fiscal YearFY 2023FY 2022
Period EndingDec '23 Dec '22
Dividend Per Share
642.558558.746
Dividend Per Share Growth
15.00%-
Dividend Yield
5.13%6.88%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
7.139.006.995.845.1810.15
Forward PE
5.867.055.985.164.459.47
PS Ratio
3.834.513.102.652.124.25