Bao Viet Holdings (HOSE:BVH)
Vietnam · Delayed Price · Currency is VND 63,800
+1,400 (2.24%)
At close: Nov 4, 2026
Bao Viet Holdings Income 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 | Sep '26 Sep 30, 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 |
Premiums & Annuity Revenue | 39,940,332 | 40,123,665 | 39,126,184 | 39,347,977 | 39,907,574 | 35,894,484 |
Total Interest & Dividend Income | 3,880,834 | 13,850,037 | 12,567,726 | 13,472,006 | 6,188,111 | 5,488,302 |
Gain (Loss) on Sale of Investments | 6,345 | 110,832 | 8,742 | -8,124 | 3,653,851 | 3,325,561 |
Non-Insurance Activities Revenue | 584,787 | 590,243 | 555,874 | 602,344 | 607,102 | 750,299 |
Other Revenue | 14,119,400 | 824,586 | 696,992 | 737,502 | 780,673 | 935,654 |
| 58,531,697 | 55,499,363 | 52,955,517 | 54,151,705 | 51,137,311 | 46,394,300 | |
Revenue Growth | 9.21% | 4.80% | -2.21% | 5.90% | 10.22% | 4.64% |
Policy Benefits | 35,261,220 | 35,016,993 | 36,602,851 | 38,536,797 | 36,054,912 | 31,417,579 |
Policy Acquisition & Underwriting Costs | 2,995,330 | 2,865,485 | 2,489,113 | 2,517,236 | 2,811,768 | 2,928,816 |
Selling, General & Administrative | 9,114,358 | 8,887,979 | 7,071,399 | 6,049,095 | 6,301,478 | 6,262,427 |
Non-Insurance Activities Expense | 636,774 | 630,862 | 545,882 | 611,365 | 588,173 | 676,872 |
Other Operating Expenses | 1,952,742 | 1,721,544 | 1,589,904 | 1,528,083 | 1,625,867 | 1,798,609 |
Total Operating Expenses | 49,960,424 | 49,122,863 | 48,299,150 | 49,242,575 | 47,382,199 | 43,084,302 |
Operating Income | 8,571,273 | 6,376,500 | 4,656,367 | 4,909,130 | 3,755,112 | 3,309,997 |
Interest Expense | -1,117,782 | -2,156,096 | -1,400,727 | -2,127,803 | -1,026,177 | -639,339 |
Earnings From Equity Investments | 111,910 | 104,096 | 94,085 | 102,049 | 86,452 | 92,994 |
Currency Exchange Gain (Loss) | 27.83 | -13,543 | -13,928 | -16,100 | -16,219 | 7,613 |
Other Non Operating Income (Expenses) | -3,377,457 | -758,302 | -673,440 | -604,513 | -791,214 | -374,967 |
EBT Excluding Unusual Items | 4,187,971 | 3,552,656 | 2,662,358 | 2,262,763 | 2,007,953 | 2,396,297 |
Gain (Loss) on Sale of Assets | 454.19 | 1,775 | 813.78 | 668.13 | 2,210 | 1,737 |
Pretax Income | 4,188,425 | 3,554,431 | 2,663,171 | 2,263,432 | 2,010,164 | 2,398,034 |
Income Tax Expense | 757,729 | 632,860 | 469,003 | 382,129 | 384,557 | 379,620 |
Earnings From Continuing Ops. | 3,430,696 | 2,921,572 | 2,194,169 | 1,881,303 | 1,625,606 | 2,018,414 |
Minority Interest in Earnings | -57,457 | -84,958 | -83,672 | -75,986 | -74,612 | -106,720 |
Net Income | 3,373,239 | 2,836,614 | 2,110,497 | 1,805,317 | 1,550,994 | 1,911,694 |
Preferred Dividends & Other Adjustments | - | - | 42,926 | - | 37,748 | 36,586 |
Net Income to Common | 3,373,239 | 2,836,614 | 2,067,571 | 1,805,317 | 1,513,246 | 1,875,108 |
Net Income Growth | 26.37% | 37.20% | 14.53% | 19.30% | -19.30% | 20.48% |
Shares Outstanding (Basic) | 742 | 742 | 742 | 742 | 742 | 742 |
Shares Outstanding (Diluted) | 742 | 742 | 742 | 742 | 742 | 742 |
Shares Change | -0.02% | - | - | - | - | - |
EPS (Basic) | 4544.75 | 3821.27 | 2785.27 | 2431.98 | 2038.53 | 2526.00 |
EPS (Diluted) | 4544.75 | 3821.27 | 2785.27 | 2431.98 | 2038.53 | 2526.00 |
EPS Growth | 26.39% | 37.20% | 14.53% | 19.30% | -19.30% | 20.48% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Free Cash Flow | -6,014,021 | 5,670,049 | 8,283,928 | 8,297,625 | 8,938,338 | 12,083,883 |
Free Cash Flow Per Share | -8102.66 | 7638.25 | 11159.47 | 11177.92 | 12041.04 | 16278.48 |
Dividend Per Share | 809.000 | 809.000 | 1055.100 | 1003.700 | 954.000 | 3026.100 |
Dividend Growth | -23.33% | -23.33% | 5.12% | 5.21% | -68.47% | 236.79% |
Operating Margin | 14.64% | 11.49% | 8.79% | 9.07% | 7.34% | 7.13% |
Profit Margin | 5.76% | 5.11% | 3.90% | 3.33% | 2.96% | 4.04% |
Free Cash Flow Margin | -10.27% | 10.22% | 15.64% | 15.32% | 17.48% | 26.05% |
EBITDA | 8,755,044 | 6,547,361 | 5,018,024 | 5,113,025 | 3,966,916 | 3,536,309 |
EBITDA Margin | 14.96% | 11.80% | 9.48% | 9.44% | 7.76% | 7.62% |
D&A For EBITDA | 183,771 | 170,861 | 361,657 | 203,895 | 211,804 | 226,312 |
EBIT | 8,571,273 | 6,376,500 | 4,656,367 | 4,909,130 | 3,755,112 | 3,309,997 |
EBIT Margin | 14.64% | 11.49% | 8.79% | 9.07% | 7.34% | 7.13% |
Effective Tax Rate | 18.09% | 17.80% | 17.61% | 16.88% | 19.13% | 15.83% |