Bank for Investment and Development of Vietnam Insurance Joint Stock Corporation (HOSE:BIC)
Vietnam flag Vietnam · Delayed Price · Currency is VND
22,800
-300 (-1.30%)
At close: Dec 5, 2025

HOSE:BIC Statistics

Total Valuation

HOSE:BIC has a market cap or net worth of VND 4.61 trillion. The enterprise value is 5.11 trillion.

Market Cap4.61T
Enterprise Value 5.11T

Important Dates

The next estimated earnings date is Friday, January 23, 2026.

Earnings Date Jan 23, 2026
Ex-Dividend Date Sep 9, 2025

Share Statistics

HOSE:BIC has 202.07 million shares outstanding. The number of shares has decreased by -0.00% in one year.

Current Share Class 202.07M
Shares Outstanding 202.07M
Shares Change (YoY) -0.00%
Shares Change (QoQ) +74.49%
Owned by Insiders (%) n/a
Owned by Institutions (%) 3.23%
Float 28.27M

Valuation Ratios

The trailing PE ratio is 8.06.

PE Ratio 8.06
Forward PE n/a
PS Ratio 0.94
PB Ratio 1.41
P/TBV Ratio 1.48
P/FCF Ratio 7.62
P/OCF Ratio 7.36
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 5.95, with an EV/FCF ratio of 8.45.

EV / Earnings 8.94
EV / Sales 1.05
EV / EBITDA 5.95
EV / EBIT 6.01
EV / FCF 8.45

Financial Position

The company has a current ratio of 1.27, with a Debt / Equity ratio of 0.16.

Current Ratio 1.27
Quick Ratio 1.03
Debt / Equity 0.16
Debt / EBITDA 0.61
Debt / FCF 0.87
Interest Coverage 57.35

Financial Efficiency

Return on equity (ROE) is 18.96% and return on invested capital (ROIC) is 15.41%.

Return on Equity (ROE) 18.96%
Return on Assets (ROA) 5.63%
Return on Invested Capital (ROIC) 15.41%
Return on Capital Employed (ROCE) 25.96%
Revenue Per Employee 3.20B
Profits Per Employee 375.24M
Employee Count1,523
Asset Turnover 0.52
Inventory Turnover 6,381.14

Taxes

In the past 12 months, HOSE:BIC has paid 180.00 billion in taxes.

Income Tax 180.00B
Effective Tax Rate 23.75%

Stock Price Statistics

The stock price has increased by +14.37% in the last 52 weeks. The beta is 0.48, so HOSE:BIC's price volatility has been lower than the market average.

Beta (5Y) 0.48
52-Week Price Change +14.37%
50-Day Moving Average 24,765.00
200-Day Moving Average 23,521.95
Relative Strength Index (RSI) 41.71
Average Volume (20 Days) 171,012

Short Selling Information

Short Interest n/a
Short Previous Month n/a
Short % of Shares Out n/a
Short % of Float n/a
Short Ratio (days to cover) n/a

Income Statement

In the last 12 months, HOSE:BIC had revenue of VND 4.88 trillion and earned 571.49 billion in profits. Earnings per share was 2,828.20.

Revenue4.88T
Gross Profit 3.21T
Operating Income 849.69B
Pretax Income 757.99B
Net Income 571.49B
EBITDA 858.84B
EBIT 849.69B
Earnings Per Share (EPS) 2,828.20
Full Income Statement

Balance Sheet

The company has 6.26 trillion in cash and 526.94 billion in debt, giving a net cash position of -374.92 billion or -1,855.40 per share.

Cash & Cash Equivalents 6.26T
Total Debt 526.94B
Net Cash -374.92B
Net Cash Per Share -1,855.40
Equity (Book Value) 3.27T
Book Value Per Share 15,541.91
Working Capital 1.79T
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 626.05 billion and capital expenditures -21.15 billion, giving a free cash flow of 604.90 billion.

Operating Cash Flow 626.05B
Capital Expenditures -21.15B
Free Cash Flow 604.90B
FCF Per Share 2,993.57
Full Cash Flow Statement

Margins

Gross margin is 65.84%, with operating and profit margins of 17.42% and 11.72%.

Gross Margin 65.84%
Operating Margin 17.42%
Pretax Margin 15.54%
Profit Margin 11.72%
EBITDA Margin 17.61%
EBIT Margin 17.42%
FCF Margin 12.40%

Dividends & Yields

This stock pays an annual dividend of 870.57, which amounts to a dividend yield of 3.77%.

Dividend Per Share 870.57
Dividend Yield 3.77%
Dividend Growth (YoY) 72.30%
Years of Dividend Growth 1
Payout Ratio 53.04%
Buyback Yield 0.00%
Shareholder Yield 3.77%
Earnings Yield 12.40%
FCF Yield 13.13%
Dividend Details

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on September 9, 2025. It was a forward split with a ratio of 1.723.

Last Split Date Sep 9, 2025
Split Type Forward
Split Ratio 1.723

Scores

Altman Z-Score n/a
Piotroski F-Score 4