The Hanoi Stock Exchange (HNX) has published financial information about Home Credit Vietnam Joint Stock Company.
For the first six months of 2025, Home Credit Vietnam reported a post-tax profit of over VND 1,166.6 billion, a 146.1% increase compared to the same period last year.
As of June 30, 2025, the company’s equity stood at nearly VND 8,104.1 billion, a 15.7% increase year-on-year. Owner’s investment capital remained unchanged at VND 2,050 billion, while post-tax undistributed profit was nearly VND 4,755.9 billion.

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The debt-to-equity ratio increased from 3.04 to 3.13, indicating that Home Credit Vietnam’s total debt was nearly VND 25,403.8 billion.
Of this, bank and credit institution loans accounted for nearly VND 7,014.6 billion, a 19.4% increase year-on-year. Bond issuance stood at VND 6,700 billion, a 91.4% surge, while other debts totaled over VND 11,689.2 billion, a slight decrease of VND 237 billion.
Regarding Home Credit Vietnam’s bond issuance, the company successfully issued nine bond batches in the first half of the year.
Specifically, six batches were issued in June 2025, including HCV12509, HCV12507, HCV12508, HCV12506, HCV12505, and HCV12504, with a total value of VND 2,400 billion.
Additionally, three more batches were offered at the end of May 2025, valued at VND 1,200 billion. These were coded as HCV12503, HCV12502, and HCV12501, each with a value of VND 400 billion.
According to periodic disclosures on bond principal and interest payments, Home Credit Vietnam made timely interest payments totaling over VND 209 billion for five bond batches in the first half of 2025.
These payments were made for the bond batches HCVCL2427001 (VND 74 billion), HCVCL2426002 (VND 35 billion), HCVCL2426003 (VND 35 billion), HCVCL2426004 (VND 21 billion), and HCVCL2427005 (VND 44.4 billion).
It is worth noting that the above bond batches were issued by Home Credit Vietnam in 2024, with issuance values ranging from VND 300 billion to VND 1,000 billion per batch and terms of 2 to 3 years.
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