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Bank for Investment and Development of Vietnam Insurance Joint Stock Corporation (HOSE:BIC)
Vietnam flag Vietnam · Delayed Price · Currency is VND
21,000
-300 (-1.41%)
At close: Jul 24, 2026

HOSE:BIC Financials Overview

Millions VND. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
4,851,7074,819,0424,646,4554,012,6092,989,3772,468,838
Revenue Growth
2.03%3.71%15.80%34.23%21.08%14.16%
Operating Income
616,618695,753660,590562,544376,419493,420
Net Income
475,784542,667495,809317,016215,432323,729
Earnings Per Share
2372.922685.582453.671568.861066.141602.08
EPS Growth
-12.00%9.45%56.40%47.15%-33.45%24.70%

Revenue by Geography
Chart
Fiscal YearFY 2025
Period EndingDec '25
Vietnam
4,677,858
Foreign
171,375
Adjustments and Eliminations
-14,404
Total
4,834,829

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
137,10186,28889,59321,36428,86230,489
Total Debt
444,893418,418283,921--7,286
Net Cash (Debt)
-307,792-332,130-194,32821,36428,86223,203
Net Cash Growth
----25.98%24.39%-76.33%
Net Cash Per Share
-1535.08-1643.66-961.69105.73142.83114.83

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
463,071325,959359,706441,276426,396267,232
Capital Expenditures
-20,900-20,604-29,564-28,290-10,685-16,259
Free Cash Flow
442,170305,355330,143412,986415,711250,973
Free Cash Flow Growth
87.24%-7.51%-20.06%-0.66%65.64%-

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Margin
12.71%14.44%14.22%14.02%12.59%19.99%
Pretax Margin
12.45%14.09%14.05%14.31%13.28%20.32%
Profit Margin
9.81%11.26%10.67%7.90%7.21%13.11%
FCF Margin
9.11%6.34%7.11%10.29%13.91%10.17%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
870.575-870.575870.575754.498870.575
Dividend Per Share Growth
72.30%-0%15.38%-13.33%25.00%
Dividend Yield
4.09%-4.57%6.42%5.51%5.98%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
8.858.498.019.3414.5610.81
Forward PE
-24.6724.6724.6724.6724.67
P/FCF Ratio
9.6015.0912.037.177.5513.95
PS Ratio
0.870.960.850.741.051.42