Bank for Investment and Development of Vietnam Insurance Joint Stock Corporation (HOSE:BIC)
Vietnam · Delayed Price · Currency is VND 24,350
-650 (-2.60%)
At close: Feb 9, 2026
HOSE:BIC Income Statement
Financials in millions VND. Fiscal year is January - December.
Millions VND. Fiscal year is Jan - Dec.
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Premiums & Annuity Revenue | 3,948,219 | 3,988,571 | 3,354,203 | 2,408,967 | 1,939,249 |
Total Interest & Dividend Income | 304,455 | 328,525 | 378,823 | 262,457 | 245,676 |
Gain (Loss) on Sale of Investments | 227,296 | 53,091 | 3,726 | 71,020 | 68,091 |
Other Revenue | 346,422 | 275,674 | 275,857 | 246,933 | 215,821 |
| 4,826,391 | 4,645,861 | 4,012,609 | 2,989,377 | 2,468,838 | |
Revenue Growth (YoY) | 3.89% | 15.78% | 34.23% | 21.08% | 14.16% |
Policy Benefits | 1,189,953 | 974,104 | 916,946 | 803,069 | 555,720 |
Policy Acquisition & Underwriting Costs | 602,062 | 671,010 | 563,783 | 369,979 | 280,559 |
Depreciation & Amortization | 11,313 | 10,032 | 8,953 | 8,347 | 6,705 |
Selling, General & Administrative | 311,823 | 299,929 | 247,509 | 194,328 | 153,699 |
Provision for Bad Debts | -20,219 | 2,570 | 7,110 | -2,828 | -7,269 |
Other Operating Expenses | 1,525,554 | 1,460,823 | 1,293,082 | 926,061 | 680,480 |
Total Operating Expenses | 4,122,687 | 3,988,000 | 3,450,065 | 2,612,958 | 1,975,418 |
Operating Income | 703,704 | 657,861 | 562,544 | 376,419 | 493,420 |
Interest Expense | -16,527 | -5,302 | -4.23 | -33.02 | -87.42 |
Currency Exchange Gain (Loss) | -4,829 | -2,886 | 10,684 | 20,548 | 8,238 |
Other Non Operating Income (Expenses) | -3,836 | 210.28 | 818.46 | 167.88 | 65.94 |
EBT Excluding Unusual Items | 678,512 | 649,884 | 574,042 | 397,102 | 501,636 |
Gain (Loss) on Sale of Assets | 274.49 | 190.28 | 9.37 | 11.89 | 5.96 |
Pretax Income | 678,787 | 650,074 | 574,052 | 397,113 | 501,642 |
Income Tax Expense | 126,896 | 151,208 | 118,011 | 76,226 | 101,947 |
Earnings From Continuing Ops. | 551,891 | 498,866 | 456,041 | 320,888 | 399,695 |
Minority Interest in Earnings | -7,834 | -5,241 | -6,255 | -6,719 | -4,729 |
Net Income | 544,057 | 493,625 | 449,786 | 314,169 | 394,966 |
Preferred Dividends & Other Adjustments | - | - | 132,771 | 98,737 | 71,237 |
Net Income to Common | 544,057 | 493,625 | 317,016 | 215,432 | 323,729 |
Net Income Growth | 10.22% | 9.75% | 43.17% | -20.46% | 34.22% |
Shares Outstanding (Basic) | 199 | 202 | 202 | 202 | 202 |
Shares Outstanding (Diluted) | 199 | 202 | 202 | 202 | 202 |
Shares Change (YoY) | -1.41% | - | - | - | - |
EPS (Basic) | 2731.00 | 2442.87 | 1568.86 | 1066.14 | 1602.08 |
EPS (Diluted) | 2731.00 | 2442.87 | 1568.86 | 1066.14 | 1602.08 |
EPS Growth | 11.79% | 55.71% | 47.15% | -33.45% | 24.70% |
Free Cash Flow | 237,502 | 330,143 | 412,986 | 415,711 | 250,973 |
Free Cash Flow Per Share | 1192.19 | 1633.82 | 2043.80 | 2057.28 | 1242.02 |
Dividend Per Share | - | 870.575 | 870.575 | 754.498 | 870.575 |
Dividend Growth | - | - | 15.38% | -13.33% | 25.00% |
Operating Margin | 14.58% | 14.16% | 14.02% | 12.59% | 19.99% |
Profit Margin | 11.27% | 10.63% | 7.90% | 7.21% | 13.11% |
Free Cash Flow Margin | 4.92% | 7.11% | 10.29% | 13.91% | 10.17% |
EBITDA | 715,017 | 667,626 | 571,497 | 384,766 | 500,124 |
EBITDA Margin | 14.82% | 14.37% | 14.24% | 12.87% | 20.26% |
D&A For EBITDA | 11,313 | 9,765 | 8,953 | 8,347 | 6,705 |
EBIT | 703,704 | 657,861 | 562,544 | 376,419 | 493,420 |
EBIT Margin | 14.58% | 14.16% | 14.02% | 12.59% | 19.99% |
Effective Tax Rate | 18.70% | 23.26% | 20.56% | 19.20% | 20.32% |
Revenue as Reported | 4,286,546 | 4,264,245 | 3,630,060 | 2,655,900 | 2,155,070 |
Source: S&P Global Market Intelligence. Insurance template. Financial Sources.