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 Income Statement
Financials in millions VND. Fiscal year is January - December.
Millions VND. Fiscal year is Jan - Dec.
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 |
Premiums & Annuity Revenue | 4,136,889 | 3,948,009 | 3,988,870 | 3,354,203 | 2,408,967 | 1,939,249 |
Total Interest & Dividend Income | 415,396 | 368,062 | 328,525 | 378,823 | 262,457 | 245,676 |
Gain (Loss) on Sale of Investments | -4,984 | 164,674 | 53,091 | 3,726 | 71,020 | 68,091 |
Other Revenue | 414,436 | 338,297 | 275,969 | 275,857 | 246,933 | 215,821 |
| 4,961,737 | 4,819,042 | 4,646,455 | 4,012,609 | 2,989,377 | 2,468,838 | |
Revenue Growth | 1.87% | 3.71% | 15.80% | 34.23% | 21.08% | 14.16% |
Policy Benefits | 1,370,558 | 1,189,926 | 971,804 | 916,946 | 803,069 | 555,720 |
Policy Acquisition & Underwriting Costs | 629,689 | 601,998 | 671,156 | 563,783 | 369,979 | 280,559 |
Depreciation & Amortization | 12,857 | 11,291 | 10,032 | 8,953 | 8,347 | 6,705 |
Selling, General & Administrative | 332,301 | 311,031 | 299,929 | 247,509 | 194,328 | 153,699 |
Provision for Bad Debts | -6,316 | -20,687 | 2,570 | 7,110 | -2,828 | -7,269 |
Other Operating Expenses | 1,681,586 | 1,557,208 | 1,460,841 | 1,293,082 | 926,061 | 680,480 |
Total Operating Expenses | 4,455,753 | 4,123,289 | 3,985,864 | 3,450,065 | 2,612,958 | 1,975,418 |
Operating Income | 505,984 | 695,753 | 660,590 | 562,544 | 376,419 | 493,420 |
Interest Expense | -15,558 | -16,527 | -5,302 | -4.23 | -33.02 | -87.42 |
Currency Exchange Gain (Loss) | 61,473 | -4,826 | -2,886 | 10,684 | 20,548 | 8,238 |
Other Non Operating Income (Expenses) | 921.46 | 4,254 | 210.28 | 818.46 | 167.88 | 65.94 |
EBT Excluding Unusual Items | 552,820 | 678,655 | 652,613 | 574,042 | 397,102 | 501,636 |
Gain (Loss) on Sale of Assets | 413.66 | 274.49 | 190.28 | 9.37 | 11.89 | 5.96 |
Pretax Income | 553,233 | 678,929 | 652,803 | 574,052 | 397,113 | 501,642 |
Income Tax Expense | 104,631 | 128,398 | 151,753 | 118,011 | 76,226 | 101,947 |
Earnings From Continuing Ops. | 448,602 | 550,531 | 501,050 | 456,041 | 320,888 | 399,695 |
Minority Interest in Earnings | -10,129 | -7,864 | -5,241 | -6,255 | -6,719 | -4,729 |
Net Income | 438,474 | 542,667 | 495,809 | 449,786 | 314,169 | 394,966 |
Preferred Dividends & Other Adjustments | - | - | - | 132,771 | 98,737 | 71,237 |
Net Income to Common | 438,474 | 542,667 | 495,809 | 317,016 | 215,432 | 323,729 |
Net Income Growth | -23.57% | 9.45% | 56.40% | 47.15% | -33.45% | 24.70% |
Shares Outstanding (Basic) | 185 | 202 | 202 | 202 | 202 | 202 |
Shares Outstanding (Diluted) | 185 | 202 | 202 | 202 | 202 | 202 |
Shares Change | -8.47% | -0.00% | - | - | - | - |
EPS (Basic) | 2370.81 | 2685.58 | 2453.67 | 1568.86 | 1066.14 | 1602.08 |
EPS (Diluted) | 2370.81 | 2685.58 | 2453.67 | 1568.86 | 1066.14 | 1602.08 |
EPS Growth | -16.49% | 9.45% | 56.40% | 47.15% | -33.45% | 24.70% |
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 |
Free Cash Flow | 46,069 | 305,355 | 330,143 | 412,986 | 415,711 | 250,973 |
Free Cash Flow Per Share | 249.09 | 1511.16 | 1633.82 | 2043.80 | 2057.28 | 1242.02 |
Dividend Per Share | - | - | 870.575 | 870.575 | 754.498 | 870.575 |
Dividend Growth | - | - | 0% | 15.38% | -13.33% | 25.00% |
Operating Margin | 10.20% | 14.44% | 14.22% | 14.02% | 12.59% | 19.99% |
Profit Margin | 8.84% | 11.26% | 10.67% | 7.90% | 7.21% | 13.11% |
Free Cash Flow Margin | 0.93% | 6.34% | 7.11% | 10.29% | 13.91% | 10.17% |
EBITDA | 518,484 | 707,043 | 670,623 | 571,497 | 384,766 | 500,124 |
EBITDA Margin | 10.45% | 14.67% | 14.43% | 14.24% | 12.87% | 20.26% |
D&A For EBITDA | 12,500 | 11,290 | 10,032 | 8,953 | 8,347 | 6,705 |
EBIT | 505,984 | 695,753 | 660,590 | 562,544 | 376,419 | 493,420 |
EBIT Margin | 10.20% | 14.44% | 14.22% | 14.02% | 12.59% | 19.99% |
Effective Tax Rate | 18.91% | 18.91% | 23.25% | 20.56% | 19.20% | 20.32% |
Revenue as Reported | 4,551,325 | 4,286,306 | 4,264,839 | 3,630,060 | 2,655,900 | 2,155,070 |