FiinGroup – Strategic Partner Supporting SCBX in the Acquisition of Home Credit Vietnam

FiinGroup proudly asserts its leading position by successfully supporting SCB X Public Company Limited (SCBX) in the acquisition of a 100% stake in Home Credit Vietnam—one of the most notable M&A transactions in the financial services sector in 2024. 

SCBX, driven by a strategic vision to expand its scale and strengthen its position in the financial industry, planned to acquire Home Credit Vietnam, the second-largest consumer finance company in Vietnam. However, SCBX faced substantial challenges, particularly the lack of critical insights needed to: 

• Clearly understand Vietnam's consumer finance landscape, including market structure, growth potential, market segments, target customers, key trends, and long-term growth prospects. 

• Evaluate the market position, financial health, and competitive capabilities of the target company compared to other competitors in the consumer finance sector, thereby determining a reasonable valuation for the transaction. 

• Assess the growth potential of the consumer finance sector and identify possible risks associated with Home Credit Vietnam following the M&A transaction. 

• Navigate the regulatory framework and compliance requirements specific to M&A transactions in the financial sector to ensure a smooth legal process. 

With a team of leading experts in market research and consulting experience, FiinGroup was SCBX’s trusted partner in this transaction by delivering comprehensive market assessments and preliminary target evaluations. Specifically, we provided: 

✅ In-depth analysis of market size and growth trends within Vietnam’s consumer finance sector over the past 5 years, along with forecasted growth for key product segments for the next 5 years post-transaction. 

✅ Competitive landscape analysis, including market share assessments, business strategies, performance benchmarks, financial health evaluations, and market expansion capabilities, comparing Home Credit Vietnam to its industry peers. 

✅ Customer behavior research identifying target consumer segments, product trends, and recommendations for unexplored service segments with high growth potential. 

✅ Deal valuation advisory, recommending a reasonable transaction valuation based on comparable historical M&A deals and key market influencing factors.