Bao Minh Insurance Cash Flow 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	Mar '26 Mar 31, 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
Net Income	249,691	257,195	237,674	328,993	281,858	255,082
Depreciation & Amortization	17,450	15,065	18,000	17,211	17,909	19,314
Other Amortization	3,303	2,518	-	-	-	-
Gain (Loss) on Sale of Assets	-263,366	-255,076	-275,802	-391,084	-281,443	-242,762
Change in Accounts Receivable	-240,037	420.58	-188,079	-309,924	-45,690	428,152
Change in Accounts Payable	-101,731	-101,731	202,305	16,787	-32,868	-
Change in Other Net Operating Assets	414,240	-100,415	66,561	-61,972	-159,529	-228,996
Other Operating Activities	128,327	134,383	97,749	-1,129	132,335	212,327
Operating Cash Flow	99,756	-245,654	135,498	-413,740	-84,005	541,113
Operating Cash Flow Growth	-	-	-	-	-	81.47%
Capital Expenditures	-5,706	-2,455	-7,748	-10,695	-1,982	-11,139
Sale of Property, Plant & Equipment	7.01	7.01	746.57	296.11	22.09	891.71
Investment in Securities	-331,761	-97,761	-207,900	-12,999	-	-
Other Investing Activities	251,300	181,579	402,265	503,366	284,575	259,915
Investing Cash Flow	-86,159	81,370	187,364	479,969	196,510	-288,539
Common Dividends Paid	-66,321	-66,321	-60,293	-54,812	-164,436	-182,708
Financing Cash Flow	-66,321	-66,321	-60,293	-54,812	-164,436	-182,708
Foreign Exchange Rate Adjustments	2,124	1,258	1,895	1,487	-3.01	963.84
Net Cash Flow	-50,601	-229,348	264,465	12,904	-51,934	70,830
Free Cash Flow	94,050	-248,109	127,750	-424,434	-85,987	529,974
Free Cash Flow Growth	-	-	-	-	-	89.74%
Free Cash Flow Margin	1.66%	-4.39%	2.35%	-8.29%	-1.80%	12.91%
Free Cash Flow Per Share	624.72	-1648.04	848.57	-2819.22	-571.14	3520.20
Cash Income Tax Paid	35,048	28,850	50,016	56,000	42,186	21,307
Levered Free Cash Flow	-45,621	-141,140	552,607	40,410	8,537	65,642
Unlevered Free Cash Flow	-45,570	-141,075	552,909	40,962	8,935	65,781
Change in Working Capital	-35,649	-399,738	57,877	-367,731	-234,665	297,152

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.