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Joint Stock Commercial Bank for Foreign Trade of Vietnam (HOSE:VCB)
Vietnam flag Vietnam · Delayed Price · Currency is VND
53,600
-2,700 (-4.80%)
At close: Nov 2, 2026

HOSE:VCB 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
80,247,10369,262,43665,330,92363,209,95358,575,60445,151,768
Revenue Growth
18.20%6.02%3.36%7.91%29.73%15.51%
Net Income
38,672,58032,201,85231,138,47430,525,13026,554,53819,697,439
Earnings Per Share
4628.303853.893726.633653.213178.022357.36
EPS Growth
20.98%3.42%2.01%14.95%34.81%22.89%

Revenue by Segment
Chart
Fiscal Year
FY 2025
Period EndingDec '25
Banking financial services
67,743,432
Non-banking financial services
205,660
Securities
1,188,388
Others
279,539
Elimination
-154,583
Total
69,262,436

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
656,233,666550,224,626410,410,633353,501,914363,242,180246,926,382
Total Debt
32,296,20249,300,77022,072,21833,420,55226,769,01325,657,793
Net Cash (Debt)
623,937,464500,923,856388,338,415320,081,362336,473,167221,268,589
Net Cash Growth
43.57%28.99%21.32%-4.87%52.06%-14.17%
Net Cash Per Share
74672.3059950.1446476.0138306.9940268.7426481.13

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
-66,047,142-128,263,589-80,539,385-172,098,800-47,476,142-165,936,763
Capital Expenditures
-1,752,499-1,453,488-1,480,121-1,008,160-711,567-1,621,433
Free Cash Flow
-67,799,641-129,717,077-82,019,506-173,106,960-48,187,709-167,558,196
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
48.19%46.49%47.66%48.29%45.33%43.63%
FCF Margin
-84.49%-187.28%-125.55%-273.86%-82.27%-371.10%

Dividends
Chart
Fiscal Year
CurrentFY 2025FY 2024
Period EndingNov '26 Dec '25 Dec '24
Dividend Per Share
450.000450.000301.003
Dividend Per Share Growth
0%49.50%-
Dividend Yield
0.84%0.78%0.49%

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
11.5814.9216.3714.7014.2618.93
Forward PE
10.5413.1217.2514.0512.8615.77
PS Ratio
5.456.947.807.106.468.26