DSE : AGRANINS
Agrani Insurance PLC. — Financial statements
Insurance Carriers · Bangladesh
Last price 32 BDT (At close: Oct 29, 2026) · Market cap 1.15B
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Premiums & Annuity Revenue | 109.59M | 170.48M | 247.49M | 192.52M | 220.17M | 154.93M |
| Total Interest & Dividend Income | 29.43M | 29.16M | 31.87M | 34.92M | 27.73M | 29.15M |
| Gain (Loss) on Sale of Investments | 11.50M | 1.79M | 4.07M | -3.18M | 13.32M | |
| Other Revenue | 26.15M | 31.69M | 37.01M | 24.58M | 26.64M | 27.49M |
| Total Revenue | 176.68M | 231.33M | 318.16M | 256.09M | 271.36M | 224.90M |
| Policy Benefits | 50.07M | 69.74M | 10.34M | 32.97M | -19.20M | 32.03M |
| Policy Acquisition & Underwriting Costs | 16.25M | 35.07M | 45.42M | 37.51M | 42.07M | 11.20M |
| Selling, General & Administrative | 126.08M | 145.21M | 131.52M | 103.64M | 125.69M | 134.83M |
| Other Operating Expenses | -77.28K | -77.28K | -199.67K | -214.38K | -453.11K | -781.86K |
| Total Operating Expenses | 192.32M | 249.94M | 187.08M | 173.90M | 148.10M | 177.27M |
| Operating Income | -15.65M | -18.61M | 131.09M | 82.19M | 123.26M | 47.63M |
| EBT Excluding Unusual Items | -15.65M | -18.61M | 131.09M | 82.19M | 123.26M | 47.63M |
| Gain (Loss) on Sale of Investments | -5.28M | -5.28M | -18.68M | |||
| Gain (Loss) on Sale of Assets | -1.46M | -1.43M | 300.22K | 771.08K | 994.07K | |
| Pretax Income | -22.39M | -25.33M | 112.40M | 82.49M | 124.03M | 48.62M |
| Income Tax Expense | 13.66M | 844.46K | 27.91M | 27.55M | 28.75M | 22.86M |
| Earnings From Continuing Ops. | -36.05M | -26.18M | 84.49M | 54.94M | 95.28M | 25.76M |
| Minority Interest in Earnings | 6.55M | 3.79M | 722.62K | -503.45K | 2.72M | 4.73M |
| Net Income | -29.51M | -22.39M | 85.22M | 54.43M | 98.00M | 30.49M |
| Preferred Dividends & Other Adjustments | -37.04M | -28.85M | 32.83M | -16.90M | 34.81M | -22.94M |
| Net Income to Common | 7.53M | 6.46M | 52.39M | 71.33M | 63.19M | 53.43M |
| Shares Outstanding (Basic) | 36.02M | 36.02M | 36.02M | 36.02M | 36.02M | 36.02M |
| Shares Outstanding (Diluted) | 36.02M | 36.02M | 36.02M | 36.02M | 36.02M | 36.02M |
| EPS (Basic) | 0.21 | 0.18 | 1.45 | 1.98 | 1.75 | 1.48 |
| EPS (Diluted) | 0.21 | 0.18 | 1.45 | 1.98 | 1.75 | 1.48 |
| Free Cash Flow | 41.32M | 32.94M | 18.67M | 2.26M | 8.37M | 41.61M |
| Free Cash Flow Per Share | 1.15 | 0.92 | 0.52 | 0.06 | 0.23 | 1.16 |
| Dividend Per Share | 0.57 | 1.13 | 0.71 | 1.32 | ||
| Operating Margin | -8.86% | -8.05% | 41.20% | 32.09% | 45.42% | 21.18% |
| Profit Margin | 4.26% | 2.79% | 16.47% | 27.86% | 23.29% | 23.76% |
| Free Cash Flow Margin | 23.39% | 14.24% | 5.87% | 0.88% | 3.09% | 18.50% |
| EBITDA | 90.48M | 131.55M | 56.88M | |||
| EBITDA Margin | 35.33% | 48.48% | 25.29% | |||
| D&A For EBITDA | 8.29M | 8.29M | 9.26M | |||
| EBIT | -15.65M | -18.61M | 131.09M | 82.19M | 123.26M | 47.63M |
| EBIT Margin | -8.86% | -8.05% | 41.20% | 32.09% | 45.42% | 21.18% |
| Effective Tax Rate | 24.83% | 33.40% | 23.18% | 47.01% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Investments in Equity & Preferred Securities | 74.53M | 80.03M | 56.64M | 108.97M | 104.29M | 53.00M |
| Total Investments | 74.53M | 80.03M | 56.64M | 108.97M | 104.29M | 53.00M |
| Cash & Equivalents | 193.03M | 184.51M | 187.04M | 256.94M | 273.09M | 328.12M |
| Reinsurance Recoverable | 213.25M | 207.26M | 170.60M | 158.70M | 147.50M | 136.33M |
| Other Receivables | 24.97M | 28.77M | 29.97M | 24.48M | 14.53M | 47.58M |
| Property, Plant & Equipment | 126.16M | 128.19M | 132.74M | 137.44M | 143.37M | 144.67M |
| Other Current Assets | 346.79M | 332.51M | 364.95M | 256.64M | 188.66M | 134.72M |
| Other Long-Term Assets | 110.00M | 110.00M | 110.00M | 65.00M | 65.00M | 55.00M |
| Total Assets | 1.09B | 1.07B | 1.05B | 1.01B | 936.45M | 899.42M |
| Accrued Expenses | 1.91M | 7.32M | 4.76M | 7.36M | 8.76M | 11.35M |
| Insurance & Annuity Liabilities | 62.61M | 82.03M | 118.35M | 81.09M | 95.45M | 62.07M |
| Unpaid Claims | 69.35M | 70.24M | 12.50M | 12.07M | 12.25M | 45.78M |
| Unearned Premiums | 1.80M | 1.64M | 1.89M | 1.96M | 2.54M | 4.59M |
| Reinsurance Payable | 17.12M | 12.32M | 10.32M | 12.21M | 14.87M | 36.34M |
| Short-Term Debt | 54.12M | 60.78M | 66.15M | 70.66M | 57.33M | -1.62M |
| Current Income Taxes Payable | 112.20M | 95.75M | 120.16M | 92.24M | 64.13M | 48.21M |
| Long-Term Debt | 36.83K | 39.26K | 50.39K | 881.11K | 2.45M | 24.50M |
| Long-Term Leases | 2.38M | 2.64M | 2.24M | 2.85M | 3.06M | 3.20M |
| Long-Term Deferred Tax Liabilities | 27.29M | 26.12M | 25.66M | 26.46M | 27.03M | 26.62M |
| Other Current Liabilities | 356.19K | 1.05M | 2.27M | 1.46M | 1.86M | 6.24M |
| Other Long-Term Liabilities | 19.16M | 10.16M | 2.60M | 6.38M | 3.61M | 191.50K |
| Total Liabilities | 371.35M | 372.08M | 368.93M | 318.18M | 295.75M | 269.25M |
| Common Stock | 360.19M | 360.19M | 339.80M | 339.80M | 317.57M | 317.57M |
| Retained Earnings | 324.49M | 302.88M | 333.26M | 314.71M | 291.52M | 273.24M |
| Comprehensive Income & Other | -30.24M | -1.66M | -5.03M | |||
| Total Common Equity | 684.67M | 663.06M | 642.81M | 652.85M | 604.06M | 590.81M |
| Minority Interest | 32.92M | 36.34M | 40.21M | 37.14M | 36.64M | 39.36M |
| Shareholders' Equity | 717.60M | 699.41M | 683.02M | 689.99M | 640.69M | 630.17M |
| Total Liabilities & Equity | 1.09B | 1.07B | 1.05B | 1.01B | 936.45M | 899.42M |
| Filing Date Shares Outstanding | 36.02M | 36.02M | 36.02M | 36.02M | 36.02M | 36.02M |
| Total Common Shares Outstanding | 36.02M | 36.02M | 36.02M | 36.02M | 36.02M | 36.02M |
| Total Debt | 56.54M | 63.46M | 68.45M | 74.39M | 62.84M | 26.08M |
| Net Cash (Debt) | 136.49M | 121.05M | 118.60M | 182.55M | 210.25M | 302.04M |
| Net Cash Per Share | 3.79 | 3.36 | 3.29 | 5.07 | 5.84 | 8.39 |
| Book Value Per Share | 19.01 | 18.41 | 17.85 | 18.13 | 16.77 | 16.40 |
| Tangible Book Value | 684.67M | 663.06M | 642.81M | 652.85M | 604.06M | 590.81M |
| Tangible Book Value Per Share | 19.01 | 18.41 | 17.85 | 18.13 | 16.77 | 16.40 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -29.51M | -22.39M | 85.22M | 54.43M | 98.00M | 30.49M |
| Depreciation & Amortization | 9.26M | |||||
| Gain (Loss) on Sale of Assets | -994.07K | |||||
| Gain (Loss) on Sale of Investments | -8.96M | |||||
| Change in Unearned Revenue | -3.11M | |||||
| Change in Insurance Reserves / Liabilities | 14.89M | |||||
| Change in Other Net Operating Assets | 3.19M | |||||
| Other Operating Activities | 72.60M | 56.98M | -65.66M | -48.93M | -80.97M | 1.18M |
| Operating Cash Flow | 43.09M | 34.59M | 19.56M | 5.50M | 17.03M | 43.65M |
| Capital Expenditures | -1.77M | -1.65M | -884.46K | -3.25M | -8.66M | -2.04M |
| Sale of Property, Plant & Equipment | 872.60K | 1.28M | 1.42M | 2.06M | 2.56M | |
| Cash Acquisitions | -35.50M | |||||
| Investment in Securities | -28.67M | -30.12M | 20.44M | -611.05K | -55.80M | 16.88M |
| Other Investing Activities | 25.33M | 24.87M | -26.55M | 6.16M | -2.29M | -26.77M |
| Investing Cash Flow | -4.24M | -5.62M | -7.00M | 3.72M | -100.20M | -9.37M |
| Short-Term Debt Issued | 6.83M | 55.71M | ||||
| Total Debt Issued | 6.83M | 55.71M | ||||
| Total Debt Repaid | -9.54M | -9.54M | -40.55M | -1.89M | -23.37M | -24.30M |
| Net Debt Issued (Repaid) | -9.54M | -9.54M | -40.55M | 4.94M | 32.34M | -24.30M |
| Issuance of Common Stock | 39.60M | 40.00M | ||||
| Common Dividends Paid | -17.83M | -17.83M | -35.69M | -25.41M | -41.82M | -17.32M |
| Other Financing Activities | -3.97M | -4.14M | -6.22M | -4.90M | -1.98M | |
| Financing Cash Flow | -31.34M | -31.51M | -82.46M | -25.37M | 28.14M | -1.61M |
| Miscellaneous Cash Flow Adjustments | -1.00 | |||||
| Net Cash Flow | 7.51M | -2.54M | -69.90M | -16.15M | -55.02M | 32.67M |
| Free Cash Flow | 41.32M | 32.94M | 18.67M | 2.26M | 8.37M | 41.61M |
| Free Cash Flow Margin | 23.39% | 14.24% | 5.87% | 0.88% | 3.09% | 18.50% |
| Free Cash Flow Per Share | 1.15 | 0.92 | 0.52 | 0.06 | 0.23 | 1.16 |
| Levered Free Cash Flow | 37.95M | 19.90M | -20.06M | -18.12M | -11.79M | 72.96M |
| Unlevered Free Cash Flow | 37.95M | 19.90M | -20.06M | -18.12M | -11.79M | 72.96M |
| Cash Interest Paid | 3.97M | 4.14M | 6.22M | 4.90M | 1.98M | |
| Cash Income Tax Paid | 12.23M | 20.92M | 40.38M | 31.10M | 27.16M | 18.29M |
| Change in Working Capital | 12.68M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.15B | 788.81M | 859.69M | 1.28B | 1.18B | 1.91B |
| Enterprise Value | 1.05B | 726.68M | 788.91M | 1.10B | 912.32M | 1.67B |
| PE Ratio | 153.10 | 122.19 | 16.41 | 17.91 | 18.59 | 35.66 |
| PS Ratio | 6.52 | 3.41 | 2.70 | 4.99 | 4.33 | 8.47 |
| PB Ratio | 1.61 | 1.13 | 1.26 | 1.85 | 1.83 | 3.02 |
| P/FCF Ratio | 27.90 | 23.95 | 46.04 | 566.27 | 140.31 | 45.79 |
| P/OCF Ratio | 26.75 | 22.80 | 43.95 | 232.11 | 68.98 | 43.65 |
| EV/Sales Ratio | 5.94 | 3.14 | 2.48 | 4.31 | 3.36 | 7.41 |
| EV/EBITDA Ratio | 12.20 | 6.93 | 29.30 | |||
| EV/EBIT Ratio | 6.02 | 13.43 | 7.40 | 35.00 | ||
| EV/FCF Ratio | 25.39 | 22.06 | 42.25 | 489.32 | 108.94 | 40.05 |
| Debt / Equity Ratio | 0.08 | 0.09 | 0.10 | 0.11 | 0.10 | 0.04 |
| Debt / EBITDA Ratio | 0.82 | 0.48 | 0.46 | |||
| Debt / FCF Ratio | 1.37 | 1.93 | 3.67 | 32.97 | 7.50 | 0.63 |
| Net Debt / Equity Ratio | -0.19 | -0.17 | -0.17 | -0.27 | -0.33 | -0.48 |
| Net Debt / EBITDA Ratio | -2.02 | -1.60 | -5.31 | |||
| Net Debt / FCF Ratio | -3.30 | -3.67 | -6.35 | -80.91 | -25.11 | -7.26 |
| Quick Ratio | 0.75 | 0.75 | 0.86 | 1.30 | 1.70 | 2.44 |
| Current Ratio | 3.03 | 3.02 | 3.45 | 3.52 | 3.86 | 4.29 |
| Asset Turnover | 0.17 | 0.22 | 0.31 | 0.26 | 0.30 | 0.26 |
| Return on Equity (ROE) | -5.12% | -3.79% | 12.31% | 8.26% | 14.99% | 4.37% |
| Return on Assets (ROA) | -0.92% | -1.10% | 7.95% | 5.28% | 8.39% | 3.40% |
| Return on Invested Capital (ROIC) | -2.04% | -2.46% | 13.00% | 7.46% | 13.93% | 4.02% |
| Earnings Yield | 0.65% | -2.84% | 9.91% | 4.26% | 8.34% | 1.60% |
| FCF Yield | 3.58% | 4.18% | 2.17% | 0.18% | 0.71% | 2.18% |
| Dividend Yield | 2.37% | 3.19% | 2.16% | 2.50% | ||
| Payout Ratio | 41.88% | 46.67% | 42.68% | 56.79% | ||
| Buyback Yield / Dilution | 0.00% | |||||
| Total Shareholder Return | 2.37% | 3.19% | 2.16% | 2.50% |