1. Vietnam Stocks

  2. •

    Finance

  3. •

    Life/Health insurance
Bao Viet Holdings

Bao Viet Holdings

HHOSE:BVH
69,000.00
VND
+600.00
(+0.88%)
47.95TMarket Cap
Dec 02Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
24,263.99
26,309.95
30,067.5
36,699.82
46,556.16
59,051.32
63,014.31
65,910.46
67,548.55
72,836.7
77,138.23
75,490.07
79,288.63
- -
Basic EPS, GAAP
1,671.68
1,849.54
1,657.68
1,650.82
2,296.88
1,630.89
1,691.82
2,152.15
2,575.29
2,089.38
2,431.98
2,843.1
3,821.27
- -
Free Cash Flow per Basic Share
- -
9,723.1
5,764.42
4,755.21
7,917.16
10,697.78
12,875.22
15,579.08
16,278.48
12,041.04
11,177.92
11,159.47
7,638.25
-6,938.69
Dividend per Share
1,553.11
1,562.39
1,001.04
799.84
999.37
1,044.51
1,036.99
837.25
926.06
3,055.89
988.93
1,033.35
1,084.71
1,082.83
Book Value per Share
17,819.22
17,992.66
18,490.09
19,149.39
20,221.01
21,092.14
25,820.89
27,032.57
28,552.45
27,468.4
28,748.84
30,433.6
32,938.73
35,387.55
Tangible Book Value per Share
16,709.35
16,838.84
17,263.11
17,941.45
19,026.88
20,008.26
24,503.69
25,781.08
27,258.93
26,250.19
27,591.69
29,061.93
31,702.3
34,217.96
Basic Weighted Avg Shares
680
680
680
680
680
690
702
742
742
742
742
742
742
742
Sales/Revenue/Turnover
16,510,949
17,903,169
20,460,076
24,973,177
31,680,137
40,750,825
44,266,024
48,926,831
50,142,827
54,068,342
57,261,461
56,037,999
58,857,752
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
123,036
148,559
158,324
133,278
146,091
166,225
181,147
206,998
226,312
211,804
203,895
361,657
234,790
- -
Net Income, GAAP
1,137,531
1,258,557
1,128,007
1,123,333
1,562,962
1,125,466
1,188,460
1,597,588
1,911,694
1,550,994
1,805,317
2,110,497
2,836,614
- -
Effective Tax Rate (%)
25.4
18.19
19.56
16.72
17.18
17.4
17.8
15.53
15.83
19.13
16.88
17.61
17.8
- -
Profit Margin (%)
6.89
7.03
5.51
4.5
4.93
2.76
2.68
3.27
3.81
2.87
3.15
3.77
4.82
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
1,094
1,361
3,338
3,922
448,671
633,298
316,542
267,266
91,024
1,386
- -
754
754
Total Equity
14,215,469
12,816,821
13,198,191
13,686,536
14,460,822
15,475,972
19,902,609
20,821,766
22,031,321
21,270,958
22,259,023
23,565,887
25,480,341
27,324,387
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
10.75
10.08
9.68
10.88
14.86
10.85
10.58
10.02
8.86
8.78
13.37
11.04
14.95
- -
Return on Common Equity (%)
9.39
10.33
9.09
8.77
11.67
7.89
7
8.14
9.27
7.46
8.65
9.61
12.06
- -

Capital Structure

VND

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
4,072,041
4,052,895
3,599,960
LT Borrowings
754
754
754
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
742
742
742
Market Capitalization
42,163,933
61,241,628
47,954,051

Working Capital

VND

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
131,576,666
141,283,851
128,096,208
Accounts Receivable, Net
9,601,934
2,408,465
2,984,708
Inventories
68,011
84,115
117,529
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
4,072,041
4,052,895
3,599,960
Deferred Revenue
- -
- -
- -

Growth Rates

VND

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.06%
4.2%
8.12%
Free Cash Flow
7.6%
-12.09%
-31.55%
Net Income, GAAP
11.93%
13.7%
34.41%
Sales/Revenue/Turnover
11.58%
3.82%
5.03%
Total Cash Common Dividend
17.96%
36.48%
4.97%

Quarterly Revenue

VND

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
12,878,342
13,991,100
12,839,118
13,553,393
56,037,999
2025
13,103,950
14,026,914
- -
14,241,130
58,857,752
2026
13,670,126
15,180,003
- -
- -
- -

Quarterly Earnings Per Share

VND

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
789.11
588
707
741
2,843.1
2025
905.11
912
- -
1,157
3,821.27
2026
1,076.59
1,391
- -
- -
- -

Quarterly Dividends Per Share

VND

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.01
- -
- -
1,012.65
1,033.35
2025
- -
- -
- -
1,083.12
1,084.71
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Phi Quang Nguyen
Sector
Finance
Industry
Life/Health insurance
Address
Ha Noi Vietnam
IPO Date
Jun 25, 2009
Website
baoviet.com.vn
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Business
Bao Viet Holdings is a Vietnam-based financial services holding company that provides comprehensive insurance, securities, investment management, and commercial banking products and services to retail, corporate, and institutional clients. Founded in 1965 and headquartered in Hanoi, Vietnam, the company operates nationwide across all 63 provinces and cities, operating under the majority ownership of the Ministry of Finance of Vietnam alongside strategic foreign partner Sumitomo Life Insurance Company. The group conducts its business across five primary segments: Life Insurance, Non-Life Insurance, Financial Services, Banking, and Real Estate and Other Activities. Through its specialized subsidiaries, Bao Viet Holdings offers non-life insurance solutions comprising motor vehicle insurance, comprehensive healthcare and medical plans including Bao Viet An Gia and Bao Viet Intercare, personal accident insurance, property and fire insurance, marine cargo and hull coverage, aviation insurance, engineering and construction risk coverage, agriculture insurance, and corporate liability policies; life insurance solutions comprising universal life protection including An Phat Tron Doi, endowment policies, term and whole life coverage, critical illness and supplemental medical riders, unit-linked investment products, and corporate pension schemes; capital market and asset management services comprising securities brokerage, margin financing, equity and debt underwriting, merger and acquisition advisory, wealth management, and mutual fund administration through Bao Viet Securities Joint Stock Company and Bao Viet Fund Management Company Limited; and commercial banking solutions comprising deposit accounts, personal and commercial lending, trade finance, and treasury services through its associate Bao Viet Joint Stock Commercial Bank, as well as office leasing and information technology services. In recent strategic developments, Bao Viet Holdings has accelerated its digital transformation roadmap by integrating artificial intelligence and optical character recognition technologies into automated claims processing and underwriting operations, upgrading customer digital platforms including the Baoviet Direct mobile ecosystem and online securities portals, expanding strategic fintech and bancassurance distribution alliances, and modernizing governance and operational frameworks in compliance with Vietnam’s revised Law on Insurance Business and data security mandates.