Bank for Investment and Development of Vietnam Insurance Joint Stock Corporation (HOSE:BIC)
Vietnam flag Vietnam · Delayed Price · Currency is VND
18,200
-50 (-0.27%)
At close: Nov 3, 2026

HOSE:BIC Statistics

Total Valuation

HOSE:BIC has a market cap or net worth of VND 3.68 trillion. The enterprise value is 3.76 trillion.

Market Cap3.68T
Enterprise Value 3.76T

Important Dates

The next estimated earnings date is Monday, January 25, 2027.

Earnings Date Jan 25, 2027
Ex-Dividend Date Oct 7, 2026

Share Statistics

HOSE:BIC has 202.07 million shares outstanding. The number of shares has decreased by -8.47% in one year.

Current Share Class 202.07M
Shares Outstanding 202.07M
Shares Change (YoY) -8.47%
Shares Change (QoQ) -0.17%
Owned by Insiders (%) n/a
Owned by Institutions (%) n/a
Float 28.27M

Valuation Ratios

The trailing PE ratio is 7.68.

PE Ratio 7.68
Forward PE n/a
PS Ratio 0.74
PB Ratio 1.01
P/TBV Ratio 1.06
P/FCF Ratio 79.83
P/OCF Ratio 50.39
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 7.25, with an EV/FCF ratio of 81.59.

EV / Earnings 8.57
EV / Sales 0.76
EV / EBITDA 7.25
EV / EBIT 7.43
EV / FCF 81.59

Financial Position

The company has a current ratio of 1.36, with a Debt / Equity ratio of 0.03.

Current Ratio 1.36
Quick Ratio 1.10
Debt / Equity 0.03
Debt / EBITDA 0.20
Debt / FCF 2.30
Interest Coverage 32.52

Financial Efficiency

Return on equity (ROE) is 12.99% and return on invested capital (ROIC) is 10.82%.

Return on Equity (ROE) 12.99%
Return on Assets (ROA) 3.17%
Return on Invested Capital (ROIC) 10.82%
Return on Capital Employed (ROCE) 13.88%
Weighted Average Cost of Capital (WACC) 6.53%
Revenue Per Employee 3.07B
Profits Per Employee 271.33M
Employee Count1,616
Asset Turnover 0.50
Inventory Turnover 3,075.82

Taxes

In the past 12 months, HOSE:BIC has paid 104.63 billion in taxes.

Income Tax 104.63B
Effective Tax Rate 18.91%

Stock Price Statistics

The stock price has decreased by -25.10% in the last 52 weeks. The beta is 0.39, so HOSE:BIC's price volatility has been lower than the market average.

Beta (5Y) 0.39
52-Week Price Change -25.10%
50-Day Moving Average 20,613.00
200-Day Moving Average 22,778.00
Relative Strength Index (RSI) 18.89
Average Volume (20 Days) 18,419

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 4.96 trillion and earned 438.47 billion in profits. Earnings per share was 2,370.81.

Revenue4.96T
Gross Profit 2.96T
Operating Income 505.98B
Pretax Income 553.23B
Net Income 438.47B
EBITDA 518.48B
EBIT 505.98B
Earnings Per Share (EPS) 2,370.81
Full Income Statement

Balance Sheet

The company has 6.55 trillion in cash and 106.00 billion in debt, with a net cash position of 60.26 billion or 298.21 per share.

Cash & Cash Equivalents 6.55T
Total Debt 106.00B
Net Cash 60.26B
Net Cash Per Share 298.21
Equity (Book Value) 3.64T
Book Value Per Share 17,318.70
Working Capital 2.30T
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 72.99 billion and capital expenditures -26.92 billion, giving a free cash flow of 46.07 billion.

Operating Cash Flow 72.99B
Capital Expenditures -26.92B
Depreciation & Amortization n/a
Net Borrowing -420.93B
Free Cash Flow 46.07B
FCF Per Share 227.99
Full Cash Flow Statement

Margins

Gross margin is 59.69%, with operating and profit margins of 10.20% and 8.84%.

Gross Margin 59.69%
Operating Margin 10.20%
Pretax Margin 11.15%
Profit Margin 8.84%
EBITDA Margin 10.45%
EBIT Margin 10.20%
FCF Margin 0.93%

Dividends & Yields

This stock pays an annual dividend of 870.57, which amounts to a dividend yield of 4.78%.

Dividend Per Share 870.57
Dividend Yield 4.78%
Dividend Growth (YoY) -20.00%
Years of Dividend Growth 2
Payout Ratio 41.23%
FCF Payout Ratio 526.34%
Buyback Yield 8.47%
Shareholder Yield 13.26%
Earnings Yield 13.03%
FCF Yield 1.25%
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