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Saigon - Hanoi Commercial Joint Stock Bank (HOSE:SHB)
Vietnam flag Vietnam · Delayed Price · Currency is VND
10,450
+50 (0.48%)
At close: Nov 3, 2026

HOSE:SHB Financials Overview

Millions VND. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
21,701,49621,442,10117,329,47314,290,56014,080,96110,665,983
Revenue Growth
9.78%23.73%21.27%1.49%32.02%39.64%
Net Income
12,145,56111,960,2959,321,9497,324,7587,623,9185,007,161
Earnings Per Share
2643.962603.632029.291611.761679.581218.01
EPS Growth
10.71%28.30%25.91%-4.04%37.90%83.57%

Revenue by Segment
Chart
Fiscal Year
FY 2025
Period EndingDec '25
Credit
51,370,892
Investment
2,905,451
Service
8,238,829
Treasury
3,832,767
Total
66,347,939

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
155,007,302128,284,44299,109,52863,989,49654,625,54958,651,933
Total Debt
101,936,15796,450,97552,347,55551,343,97653,183,90358,059,235
Net Cash (Debt)
53,071,14531,833,46746,761,97312,645,5201,441,646592,698
Net Cash Growth
125.39%-31.92%269.79%777.16%143.23%-
Net Cash Per Share
11553.026929.8010179.582782.56317.60144.18

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-63,641,308-51,944,288-103,768,716-37,539,776-35,293,345-46,694,910
Capital Expenditures
-310,975-347,162-210,732-242,736-71,255-204,939
Free Cash Flow
-63,952,283-52,291,450-103,979,448-37,782,512-35,364,600-46,899,849
Free Cash Flow Growth
------

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
55.97%55.78%53.79%51.26%54.14%46.95%
FCF Margin
-294.69%-243.87%-600.01%-264.39%-251.15%-439.71%

Dividends
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023
Period EndingNov '26 Dec '25 Dec '24 Dec '23
Dividend Per Share
398.629-500.000442.478
Dividend Per Share Growth
--13.00%-
Dividend Yield
3.81%-5.51%5.14%

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
3.516.284.035.344.0011.88
Forward PE
3.304.104.104.493.7810.65
PS Ratio
1.983.502.172.742.175.58