Bao Viet Holdings (HOSE:BVH)
Vietnam flag Vietnam · Delayed Price · Currency is VND
63,800
+1,400 (2.24%)
At close: Nov 4, 2026

Bao Viet Holdings Financials Overview

Millions VND. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
58,531,69755,499,36352,955,51754,151,70551,137,31146,394,300
Revenue Growth
9.21%4.80%-2.21%5.90%10.22%4.64%
Operating Income
8,571,2736,376,5004,656,3674,909,1303,755,1123,309,997
Net Income
3,373,2392,836,6142,067,5711,805,3171,513,2461,875,108
Earnings Per Share
4544.753821.272785.272431.982038.532526.00
EPS Growth
26.39%37.20%14.53%19.30%-19.30%20.48%

Revenue by Segment

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '24 Dec '23 Dec '22 Dec '21
Insurance Activities (Including Life and Non-Life)
51,155,65849,697,90250,058,32748,144,23443,496,494
Financial Activities
2,113,6231,992,7491,902,4141,755,5292,545,756
Real Estate Operations and Other Activities
9,6268,6447,96430,11127,591
Consolidated Adjustment and Eliminations
-1,210,190-1,302,524-1,166,758-1,140,574-1,314,386
Total
52,068,71750,396,77150,801,94748,789,30044,755,455

Cash & Debt

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
3,962,9894,194,6831,464,0884,783,5142,206,4985,354,092
Total Debt
58,973,48757,301,86635,033,83525,313,9111,072,1002,773,596
Net Cash (Debt)
-55,010,498-53,107,183-33,569,747-20,530,3971,134,3972,580,496
Net Cash Growth
-----56.04%-53.66%
Net Cash Per Share
-74115.35-71541.90-45222.58-27656.971528.173476.24

Cash Flow & CapEx

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-5,788,1755,793,8748,419,1968,476,8499,101,71612,321,652
Capital Expenditures
-225,847-123,825-135,268-179,224-163,378-237,769
Free Cash Flow
-6,014,0215,670,0498,283,9288,297,6258,938,33812,083,883
Free Cash Flow Growth
--31.55%-0.17%-7.17%-26.03%4.49%

Margins

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Margin
14.64%11.49%8.79%9.07%7.34%7.13%
Pretax Margin
7.16%6.40%5.03%4.18%3.93%5.17%
Profit Margin
5.76%5.11%3.90%3.33%2.96%4.04%
FCF Margin
-10.27%10.22%15.64%15.32%17.48%26.05%

Dividends

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
809.000809.0001055.1001003.700954.0003026.100
Dividend Per Share Growth
5.12%-23.33%5.12%5.21%-68.47%236.79%
Dividend Yield
1.27%1.42%2.08%2.54%2.05%5.40%

Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
14.0414.8618.2016.2422.8622.17
Forward PE
11.6914.0416.9116.6318.3619.69
P/FCF Ratio
-7.444.543.533.873.44
PS Ratio
0.810.760.710.540.680.90