Bank for Investment and Development of Vietnam Insurance Joint Stock Corporation (HOSE:BIC)
Vietnam · Delayed Price · Currency is VND 18,200
-50 (-0.27%)
At close: Nov 3, 2026
HOSE:BIC Cash Flow Statement
Financials in millions VND. Fiscal year is January - December.
Millions VND. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Net Income | 438,474 | 542,667 | 495,809 | 449,786 | 314,169 | 394,966 |
Depreciation & Amortization | 12,500 | 11,290 | 10,032 | 8,953 | 8,347 | 6,705 |
Other Amortization | 1.56 | 1.56 | - | - | - | - |
Gain (Loss) on Sale of Assets | -427,849 | -368,328 | -328,431 | -378,700 | -262,448 | -245,679 |
Change in Accounts Receivable | 469,660 | 81,149 | -93,864 | 54,640 | -37,016 | 113,065 |
Change in Accounts Payable | 92,631 | 92,631 | 255,307 | - | 151,806 | -35,478 |
Change in Other Net Operating Assets | -187,708 | - | - | 80,160 | -71,045 | -23,200 |
Other Operating Activities | -160,615 | 11,132 | 75,540 | 384,845 | 300,385 | 2,084 |
Operating Cash Flow | 72,987 | 325,959 | 359,706 | 441,276 | 426,396 | 267,232 |
Operating Cash Flow Growth | -88.34% | -9.38% | -18.48% | 3.49% | 59.56% | - |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Capital Expenditures | -26,918 | -20,604 | -29,564 | -28,290 | -10,685 | -16,259 |
Sale of Property, Plant & Equipment | 484.57 | 372.49 | 40.27 | - | - | 5.75 |
Investment in Securities | -73,727 | -73,727 | - | -4,996,637 | - | - |
Other Investing Activities | 410,230 | 321,862 | 380,155 | 332,007 | 274,529 | 268,249 |
Investing Cash Flow | 541,067 | -285,339 | -402,695 | -299,758 | -246,987 | -321,568 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Short-Term Debt Issued | - | 1,684,858 | 767,953 | - | - | - |
Total Debt Issued | 1,446,668 | 1,684,858 | 767,953 | - | - | - |
Total Debt Repaid | -1,867,600 | -1,550,362 | -484,032 | - | -7,286 | - |
Net Debt Issued (Repaid) | -420,932 | 134,497 | 283,921 | - | -7,286 | - |
Common Dividends Paid | -180,790 | -180,772 | -175,863 | -152,440 | -175,854 | -12.32 |
Financing Cash Flow | -601,722 | -46,275 | 108,058 | -152,440 | -183,140 | -12.32 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Foreign Exchange Rate Adjustments | 1,909 | 2,349 | 3,160 | 3,425 | 2,103 | -13,211 |
Net Cash Flow | 14,240 | -3,305 | 68,229 | -7,497 | -1,627 | -67,559 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Free Cash Flow | 46,069 | 305,355 | 330,143 | 412,986 | 415,711 | 250,973 |
Free Cash Flow Growth | -92.38% | -7.51% | -20.06% | -0.66% | 65.64% | - |
Free Cash Flow Margin | 0.93% | 6.34% | 7.11% | 10.29% | 13.91% | 10.17% |
Free Cash Flow Per Share | 249.09 | 1511.16 | 1633.82 | 2043.80 | 2057.28 | 1242.02 |
Levered Free Cash Flow | 218,400 | 715,833 | 424,451 | 78,458 | 127,283 | -80,066 |
Unlevered Free Cash Flow | 228,124 | 726,162 | 427,765 | 78,460 | 127,304 | -80,012 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | 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 |
Cash Interest Paid | 15,544 | 16,422 | 5,076 | 4.23 | 33.02 | 87.42 |
Cash Income Tax Paid | 116,769 | 166,165 | 139,133 | 80,638 | 44,884 | 134,559 |
Change in Working Capital | 210,477 | 129,196 | 106,757 | -23,609 | 65,943 | 109,155 |