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 Ratios and Metrics

Market cap in millions VND. Fiscal year is January - December.

Millions VND. Fiscal year is Jan - Dec.

Total Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 2, 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
Market Capitalization	3,677,620	4,607,129	3,969,823	2,961,242	3,137,157	3,500,715
Market Cap Growth	-25.10%	16.05%	34.06%	-5.61%	-10.38%	28.66%
Enterprise Value	3,758,789	5,110,082	4,190,824	2,874,840	3,081,686	3,443,487

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 2, 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
PE Ratio	7.68	8.49	8.01	9.34	14.56	10.81
PS Ratio	0.74	0.96	0.85	0.74	1.05	1.42
PB Ratio	1.01	1.36	1.34	1.06	1.21	1.36
P/FCF Ratio	79.83	15.09	12.03	7.17	7.55	13.95
P/OCF Ratio	50.39	14.13	11.04	6.71	7.36	13.10

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 2, 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
EV/Sales Ratio	0.76	1.06	0.90	0.72	1.03	1.40
EV/EBITDA Ratio	7.25	7.23	6.25	5.03	8.01	6.89
EV/EBIT Ratio	7.43	7.35	6.34	5.11	8.19	6.98
EV/FCF Ratio	81.59	16.74	12.69	6.96	7.41	13.72

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 2, 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
Debt / Equity Ratio	0.03	0.12	0.10	-	-	0.00
Debt / EBITDA Ratio	0.20	0.59	0.42	-	-	0.01
Debt / FCF Ratio	2.30	1.37	0.86	-	-	0.03
Net Debt / Equity Ratio	-0.02	0.10	0.07	-0.01	-0.01	-0.01
Net Debt / EBITDA Ratio	-0.12	0.47	0.29	-0.04	-0.07	-0.05
Net Debt / FCF Ratio	-1.31	1.09	0.59	-0.05	-0.07	-0.09
Quick Ratio	1.10	0.85	1.01	1.08	1.09	1.13
Current Ratio	1.37	1.21	1.32	1.44	1.45	1.50
Asset Turnover	0.50	0.51	0.57	0.56	0.47	0.42
Return on Equity (ROE)	12.98%	17.34%	17.43%	16.94%	12.40%	16.01%
Return on Assets (ROA)	3.17%	4.63%	5.09%	4.95%	3.70%	5.20%
Return on Invested Capital (ROIC)	10.81%	16.00%	16.81%	16.60%	11.73%	15.72%

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 2, 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
Earnings Yield	13.03%	11.78%	12.49%	15.19%	10.01%	11.28%
FCF Yield	1.25%	6.63%	8.32%	13.95%	13.25%	7.17%
Dividend Yield	4.78%	-	4.43%	5.94%	4.86%	5.03%
Payout Ratio	41.23%	33.31%	35.47%	33.89%	55.97%	0.00%
Buyback Yield / Dilution	8.47%	0.00%	-	-	-	-
Total Shareholder Return	13.26%	0.00%	4.43%	5.94%	4.86%	5.03%