Bank for Investment and Development of Vietnam Insurance Joint Stock Corporation (HOSE:BIC)
Vietnam flag Vietnam · Delayed Price · Currency is VND
23,850
-100 (-0.42%)
At close: May 4, 2026

HOSE:BIC Statistics

Total Valuation

HOSE:BIC has a market cap or net worth of VND 4.82 trillion. The enterprise value is 5.26 trillion.

Market Cap4.82T
Enterprise Value 5.26T

Important Dates

The last earnings date was Wednesday, April 29, 2026.

Earnings Date Apr 29, 2026
Ex-Dividend Date Sep 9, 2025

Share Statistics

HOSE:BIC has 202.07 million shares outstanding. The number of shares has increased by 9.61% in one year.

Current Share Class 202.07M
Shares Outstanding 202.07M
Shares Change (YoY) +9.61%
Shares Change (QoQ) -49.99%
Owned by Insiders (%) n/a
Owned by Institutions (%) n/a
Float 28.27M

Valuation Ratios

The trailing PE ratio is 11.10.

PE Ratio 11.10
Forward PE n/a
PS Ratio 0.98
PB Ratio 1.39
P/TBV Ratio 1.46
P/FCF Ratio 10.90
P/OCF Ratio 10.41
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 7.52, with an EV/FCF ratio of 11.90.

EV / Earnings 11.06
EV / Sales 1.07
EV / EBITDA 7.52
EV / EBIT 7.65
EV / FCF 11.90

Financial Position

The company has a current ratio of 1.21, with a Debt / Equity ratio of 0.13.

Current Ratio 1.21
Quick Ratio 0.94
Debt / Equity 0.13
Debt / EBITDA 0.64
Debt / FCF 1.01
Interest Coverage 43.93

Financial Efficiency

Return on equity (ROE) is 14.74% and return on invested capital (ROIC) is 14.35%.

Return on Equity (ROE) 14.74%
Return on Assets (ROA) 4.54%
Return on Invested Capital (ROIC) 14.35%
Return on Capital Employed (ROCE) 19.81%
Weighted Average Cost of Capital (WACC) 5.90%
Revenue Per Employee 3.05B
Profits Per Employee 294.42M
Employee Count1,616
Asset Turnover 0.52
Inventory Turnover 2,247.11

Taxes

In the past 12 months, HOSE:BIC has paid 118.08 billion in taxes.

Income Tax 118.08B
Effective Tax Rate 19.55%

Stock Price Statistics

The stock price has increased by +18.41% in the last 52 weeks. The beta is 0.35, so HOSE:BIC's price volatility has been lower than the market average.

Beta (5Y) 0.35
52-Week Price Change +18.41%
50-Day Moving Average 23,775.00
200-Day Moving Average 24,847.82
Relative Strength Index (RSI) 49.20
Average Volume (20 Days) 84,020

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 4.92 trillion and earned 475.78 billion in profits. Earnings per share was 2,148.01.

Revenue4.92T
Gross Profit 3.05T
Operating Income 687.95B
Pretax Income 603.98B
Net Income 475.78B
EBITDA 699.68B
EBIT 687.95B
Earnings Per Share (EPS) 2,148.01
Full Income Statement

Balance Sheet

The company has 5.67 trillion in cash and 444.89 billion in debt, with a net cash position of -307.79 billion or -1,523.22 per share.

Cash & Cash Equivalents 5.67T
Total Debt 444.89B
Net Cash -307.79B
Net Cash Per Share -1,523.22
Equity (Book Value) 3.47T
Book Value Per Share 17,185.76
Working Capital 1.42T
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 463.07 billion and capital expenditures -20.90 billion, giving a free cash flow of 442.17 billion.

Operating Cash Flow 463.07B
Capital Expenditures -20.90B
Depreciation & Amortization n/a
Net Borrowing 32.27B
Free Cash Flow 442.17B
FCF Per Share 2,188.24
Full Cash Flow Statement

Margins

Gross margin is 61.92%, with operating and profit margins of 13.97% and 9.66%.

Gross Margin 61.92%
Operating Margin 13.97%
Pretax Margin 12.27%
Profit Margin 9.66%
EBITDA Margin 14.21%
EBIT Margin 13.97%
FCF Margin 8.98%

Dividends & Yields

This stock pays an annual dividend of 870.57, which amounts to a dividend yield of 3.63%.

Dividend Per Share 870.57
Dividend Yield 3.63%
Dividend Growth (YoY) 72.30%
Years of Dividend Growth 2
Payout Ratio 37.98%
Buyback Yield -9.61%
Shareholder Yield -5.98%
Earnings Yield 9.87%
FCF Yield 9.17%
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 3