Vietnam International Commercial Joint Stock Bank (HOSE:VIB)

Vietnam · Delayed Price · Currency is VND

14,400

-200 (-1.37%)

At close: Jul 24, 2026

HOSE:VIB Financials Overview

Financials in millions VND. Fiscal year is January - December.

Millions VND. Fiscal year is Jan - Dec.

Revenue & Profits

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
Revenue	18,274,331	16,539,622	16,215,594	17,314,688	16,778,194	13,244,660
Revenue Growth	16.13%	2.00%	-6.35%	3.20%	26.68%	28.90%
Net Income	7,590,157	7,285,430	7,054,470	8,452,336	8,368,767	6,316,796
Earnings Per Share	2229.77	2140.25	2072.40	2488.76	2473.34	1872.50
EPS Growth	6.37%	3.27%	-16.73%	0.62%	32.09%	38.29%

Cash & Debt

Fiscal Year	Current	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
Cash & Investments	90,407,889	63,022,114	52,308,784	58,219,951	28,799,912	13,268,865
Total Debt	84,547,389	85,701,098	70,541,688	47,788,016	56,991,640	68,807,563
Net Cash (Debt)	5,860,500	-22,678,984	-18,232,904	10,431,935	-28,191,728	-55,538,698
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	1721.65	-6662.44	-5356.31	3071.64	-8331.89	-16463.44

Cash Flow & CapEx

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
Operating Cash Flow	-27,525,803	-39,642,324	-65,784,413	-34,108,376	-31,351,288	-35,550,325
Capital Expenditures	-391,902	-230,834	-225,579	-223,136	-240,718	-326,118
Free Cash Flow	-27,917,705	-39,873,158	-66,009,992	-34,331,512	-31,592,006	-35,876,443
Free Cash Flow Growth	-	-	-	-	-	-

Margins

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
Profit Margin	41.53%	44.05%	43.50%	48.82%	49.88%	47.69%
FCF Margin	-152.77%	-241.08%	-407.08%	-198.28%	-188.29%	-270.88%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jul '26 Jul 25, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Dividend Per Share	614.035	-	614.035	937.172	312.391
Dividend Per Share Growth	46.57%	-	-34.48%	200.00%	-
Dividend Yield	4.21%	-	3.90%	7.41%	3.27%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 25, 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
PE Ratio	6.46	8.29	8.32	5.88	4.79	11.63
Forward PE	5.02	6.16	7.39	5.21	4.29	10.66
PS Ratio	2.68	3.65	3.62	2.87	2.39	5.55