Bank for Investment and Development of Vietnam Insurance Joint Stock Corporation (HOSE:BIC)
Vietnam
· Delayed Price · Currency is VND 22,800
-300 (-1.30%)
At close: Dec 5, 2025
HOSE:BIC Income Statement
Financials in millions VND. Fiscal year is January - December.
Millions VND. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2015 - 2019 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2015 - 2019 |
| Premiums & Annuity Revenue | 4,085,756 | 3,988,571 | 3,354,203 | 2,408,967 | 1,939,249 | 1,687,422 | Upgrade
|
| Total Interest & Dividend Income | 353,013 | 328,525 | 378,823 | 262,457 | 245,676 | 266,461 | Upgrade
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| Gain (Loss) on Sale of Investments | 157,288 | 53,091 | 3,726 | 71,020 | 68,091 | 8,395 | Upgrade
|
| Other Revenue | 281,502 | 275,674 | 275,857 | 246,933 | 215,821 | 200,394 | Upgrade
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| Total Revenue | 4,877,559 | 4,645,861 | 4,012,609 | 2,989,377 | 2,468,838 | 2,162,673 | Upgrade
|
| Revenue Growth (YoY) | 8.27% | 15.78% | 34.23% | 21.08% | 14.16% | 11.07% | Upgrade
|
| Policy Benefits | 995,169 | 974,104 | 916,946 | 803,069 | 555,720 | 590,920 | Upgrade
|
| Policy Acquisition & Underwriting Costs | 671,010 | 671,010 | 563,783 | 369,979 | 280,559 | 228,637 | Upgrade
|
| Depreciation & Amortization | 11,354 | 10,032 | 8,953 | 8,347 | 6,705 | 5,276 | Upgrade
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| Selling, General & Administrative | 292,376 | 299,929 | 247,509 | 194,328 | 153,699 | 169,361 | Upgrade
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| Provision for Bad Debts | -4,885 | 2,570 | 7,110 | -2,828 | -7,269 | -3,222 | Upgrade
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| Other Operating Expenses | 1,460,433 | 1,460,823 | 1,293,082 | 926,061 | 680,480 | 564,330 | Upgrade
|
| Total Operating Expenses | 4,027,868 | 3,988,000 | 3,450,065 | 2,612,958 | 1,975,418 | 1,791,181 | Upgrade
|
| Operating Income | 849,691 | 657,861 | 562,544 | 376,419 | 493,420 | 371,492 | Upgrade
|
| Interest Expense | -14,817 | -5,302 | -4.23 | -33.02 | -87.42 | -51.98 | Upgrade
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| Currency Exchange Gain (Loss) | -75,937 | -2,886 | 10,684 | 20,548 | 8,238 | 3,395 | Upgrade
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| Other Non Operating Income (Expenses) | -993.37 | 210.28 | 818.46 | 167.88 | 65.94 | 511.32 | Upgrade
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| EBT Excluding Unusual Items | 757,943 | 649,884 | 574,042 | 397,102 | 501,636 | 375,346 | Upgrade
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| Gain (Loss) on Sale of Assets | 41.99 | 190.28 | 9.37 | 11.89 | 5.96 | 3.63 | Upgrade
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| Pretax Income | 757,985 | 650,074 | 574,052 | 397,113 | 501,642 | 375,349 | Upgrade
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| Income Tax Expense | 179,996 | 151,208 | 118,011 | 76,226 | 101,947 | 77,696 | Upgrade
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| Earnings From Continuing Ops. | 577,990 | 498,866 | 456,041 | 320,888 | 399,695 | 297,653 | Upgrade
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| Minority Interest in Earnings | -6,503 | -5,241 | -6,255 | -6,719 | -4,729 | -3,377 | Upgrade
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| Net Income | 571,487 | 493,625 | 449,786 | 314,169 | 394,966 | 294,276 | Upgrade
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| Preferred Dividends & Other Adjustments | - | - | 132,771 | 98,737 | 71,237 | 34,660 | Upgrade
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| Net Income to Common | 571,487 | 493,625 | 317,016 | 215,432 | 323,729 | 259,616 | Upgrade
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| Net Income Growth | 21.91% | 9.75% | 43.17% | -20.46% | 34.22% | 39.41% | Upgrade
|
| Shares Outstanding (Basic) | 202 | 202 | 202 | 202 | 202 | 202 | Upgrade
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| Shares Outstanding (Diluted) | 202 | 202 | 202 | 202 | 202 | 202 | Upgrade
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| Shares Change (YoY) | -0.00% | - | - | - | - | - | Upgrade
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| EPS (Basic) | 2828.20 | 2442.87 | 1568.86 | 1066.14 | 1602.08 | 1284.79 | Upgrade
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| EPS (Diluted) | 2828.20 | 2442.87 | 1568.86 | 1066.14 | 1602.08 | 1284.79 | Upgrade
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| EPS Growth | 70.08% | 55.71% | 47.15% | -33.45% | 24.70% | 39.51% | Upgrade
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| Free Cash Flow | 604,901 | 330,143 | 412,986 | 415,711 | 250,973 | -36,019 | Upgrade
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| Free Cash Flow Per Share | 2993.57 | 1633.82 | 2043.80 | 2057.28 | 1242.02 | -178.25 | Upgrade
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| Dividend Per Share | 870.575 | 870.575 | 870.575 | 754.498 | 870.575 | 696.460 | Upgrade
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| Dividend Growth | - | - | 15.38% | -13.33% | 25.00% | 50.00% | Upgrade
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| Operating Margin | 17.42% | 14.16% | 14.02% | 12.59% | 19.99% | 17.18% | Upgrade
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| Profit Margin | 11.72% | 10.63% | 7.90% | 7.21% | 13.11% | 12.00% | Upgrade
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| Free Cash Flow Margin | 12.40% | 7.11% | 10.29% | 13.91% | 10.17% | -1.67% | Upgrade
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| EBITDA | 858,843 | 667,626 | 571,497 | 384,766 | 500,124 | 376,767 | Upgrade
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| EBITDA Margin | 17.61% | 14.37% | 14.24% | 12.87% | 20.26% | 17.42% | Upgrade
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| D&A For EBITDA | 9,151 | 9,765 | 8,953 | 8,347 | 6,705 | 5,276 | Upgrade
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| EBIT | 849,691 | 657,861 | 562,544 | 376,419 | 493,420 | 371,492 | Upgrade
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| EBIT Margin | 17.42% | 14.16% | 14.02% | 12.59% | 19.99% | 17.18% | Upgrade
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| Effective Tax Rate | 23.75% | 23.26% | 20.56% | 19.20% | 20.32% | 20.70% | Upgrade
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| Revenue as Reported | 4,264,245 | 4,264,245 | 3,630,060 | 2,655,900 | 2,155,070 | 1,887,816 | Upgrade
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Source: S&P Global Market Intelligence. Insurance template. Financial Sources.