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STOCK COMPARISON

Joint Stock Commercial Bank for Foreign Trade of Vietnam vs Bank Central Asia Tbk: Fair Value & Quality

Both stocks run through our valuation models. Here is how Joint Stock Commercial Bank for Foreign Trade of Vietnam (VCB) and Bank Central Asia Tbk (BBCA) compare, as of Aug 14, 2026.

As of Aug 14, 2026, Fair Value Calculator sees Joint Stock Commercial Bank for Foreign Trade of Vietnam as the less overvalued of the two: Joint Stock Commercial Bank for Foreign Trade of Vietnam trades at VND 58,500 versus a fair value of VND 45,959 (-21%), while Bank Central Asia Tbk trades at IDR 6,350 versus IDR 4,637 (-27%).
Joint Stock Commercial Bank for Foreign Trade of Vietnam
VCB.VN · VND · Financials
-21%
upside to fair value
overvalued
PriceVND 58,500
Fair ValueVND 45,959
Quality62/100
Bank Central Asia Tbk
BBCA.JK · IDR · Financials
-27%
upside to fair value
overvalued
PriceIDR 6,350
Fair ValueIDR 4,637
Quality64/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Joint Stock Commercial Bank for Foreign Trade of VietnamBank Central Asia Tbk
Valuation
14.8×P/E (TTM)13.1×
6.84×P/S (TTM)6.99×
2.18×P/B2.70×
EV/EBITDA9.0×
PEG2.86×
Dividend yield5.4%
Dividend per shareIDR 336
Profitability
50%Net margin53%
65%Operating margin68%
16%Return on equity23%
2%Return on assets4%
Growth
13%Revenue growth (YoY)3%
1.4%Avg. growth/yr (3Y)9.3%
8.0%Avg. growth/yr (5Y)10.2%
Balance & size
$19BMarket cap$76B
mixedGrowth qualityhealthy

Bank Central Asia Tbk leads: 3 to 7 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Joint Stock Commercial Bank for Foreign Trade of Vietnamof which business quality 62 · market factors 43 Bank Central Asia Tbkof which business quality 57 · market factors 43
ProfitabilityMargins and returns on capital today
47
45
Quality GrowthAre margins and returns improving?
37
46
CashflowEarnings quality: real cash, not paper profit
100
89
Fin. StrengthBalance sheet, leverage, solvency risk
78
19
InvestmentDisciplined investing over empire-building
52
75
Low VolatilityCalm price path (market factor)
84
79
MomentumPrice trend over the last 3–12 months (market factor)
31
29
52W MomentumDistance to the 52-week high (market factor)
19
26
Net IssuanceBuybacks instead of dilution
40
82

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Joint Stock Commercial Bank for Foreign Trade of Vietnam

Dividend DiscountVND 7,533
MultiplesVND 46,172
Asset-BasedVND 18,001
Economic ProfitVND 39,508

6 of 6 models see the stock below the current price.

Bank Central Asia Tbk

MultiplesIDR 4,647
Asset-BasedIDR 1,535
Economic ProfitIDR 4,267

4 of 4 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Joint Stock Commercial Bank for Foreign Trade of Vietnam
Bear VND 34,469Fair Value VND 45,959Bull VND 57,448
VND 58,500 = current price (white tick)
Bank Central Asia Tbk
Bear IDR 3,478Fair Value IDR 4,637Bull IDR 5,796
IDR 6,350 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Joint Stock Commercial Bank for Foreign Trade of Vietnam · Financials

Quality score62 · above median
Fair value upside-21% · below median

Bank Central Asia Tbk · Financials

Quality score64 · Top 25%
Fair value upside-27% · below median

Bottom line

As of Aug 14, 2026, Fair Value Calculator sees Joint Stock Commercial Bank for Foreign Trade of Vietnam as the less overvalued of the two: Joint Stock Commercial Bank for Foreign Trade of Vietnam trades at VND 58,500 versus a fair value of VND 45,959 (-21%), while Bank Central Asia Tbk trades at IDR 6,350 versus IDR 4,637 (-27%).

Bank Central Asia Tbk has the higher quality score (64/100).

See the full analysis →

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.