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Saigon - Hanoi Commercial Joint Stock Bank (HOSE:SHB)
Vietnam flag Vietnam · Delayed Price · Currency is VND
11,800
-200 (-1.67%)
At close: Jul 24, 2026

HOSE:SHB 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
21,951,23421,442,10117,329,47314,290,56014,080,96110,665,983
Revenue Growth
24.53%23.73%21.27%1.49%32.02%39.64%
Net Income
12,189,90811,960,2959,321,9497,324,7587,623,9185,007,161
Earnings Per Share
2653.642603.632029.291611.761679.581218.01
EPS Growth
26.86%28.30%25.91%-4.04%37.90%83.57%

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

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
164,885,386128,284,44299,109,52863,989,49654,625,54958,651,933
Total Debt
102,732,78196,450,97552,347,55551,343,97653,183,90358,059,235
Net Cash (Debt)
62,152,60531,833,46746,761,97312,645,5201,441,646592,698
Net Cash Growth
38.91%-31.92%269.79%777.16%143.23%-
Net Cash Per Share
13530.126929.8010179.582782.56317.60144.18

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
-52,985,657-51,944,288-103,768,716-37,539,776-35,293,345-46,694,910
Capital Expenditures
-340,919-349,066-211,964-242,736-71,255-204,939
Free Cash Flow
-53,326,576-52,293,354-103,980,680-37,782,512-35,364,600-46,899,849
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
55.53%55.78%53.79%51.26%54.14%46.95%
FCF Margin
-242.93%-243.88%-600.02%-264.39%-251.15%-439.71%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023
Period EndingJul '26 Dec '25 Dec '24 Dec '23
Dividend Per Share
398.629-500.000442.478
Dividend Per Share Growth
11.00%-13.00%-
Dividend Yield
3.32%-6.44%5.65%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
4.456.284.035.344.0011.88
Forward PE
3.894.104.104.493.7810.65
PS Ratio
2.583.502.172.742.175.58