DSE : CLICL
Chartered Life Insurance PLC — Financial statements
Life Insurance · Bangladesh
Last price 44.9 BDT (At close: Oct 29, 2026) · Market cap 1.68B
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Premiums & Annuity Revenue | 816.22M | 905.10M | 845.09M | 942.90M | 737.97M | 506.28M |
| Total Interest & Dividend Income | 89.67M | 77.62M | 55.68M | 40.45M | 29.39M | 23.03M |
| Gain (Loss) on Sale of Investments | 1.10M | 120.39K | 1.12M | -2.53M | 23.53M | |
| Other Revenue | -387.71K | 526.14K | 1.08M | 108.88K | 12.76K | |
| Total Revenue | 906.61M | 983.37M | 901.84M | 984.57M | 764.83M | 552.86M |
| Policy Benefits | 374.87M | 429.25M | 414.40M | 372.43M | 234.78M | 153.17M |
| Policy Acquisition & Underwriting Costs | 63.19M | 70.60M | 76.05M | 77.86M | 58.59M | 37.78M |
| Depreciation & Amortization | 15.16M | 21.52M | 31.25M | 37.10M | 29.31M | 12.95M |
| Selling, General & Administrative | 58.60M | 57.66M | 59.08M | 65.70M | 73.56M | 58.13M |
| Other Operating Expenses | 101.37M | 114.57M | 102.05M | 134.26M | 97.10M | 66.95M |
| Reinsurance Income or Expense | 404.10K | 453.82K | 383.75K | 565.74K | ||
| Total Operating Expenses | 728.65M | 822.82M | 803.20M | 801.40M | 609.70M | 401.15M |
| Operating Income | 177.96M | 160.55M | 98.64M | 183.17M | 155.13M | 151.71M |
| Interest Expense | -1.63M | -2.49M | -1.89M | -5.14M | -2.50M | |
| Other Non Operating Income (Expenses) | -12.30M | -10.34M | -1.80M | -2.93M | -15.84M | -8.02M |
| EBT Excluding Unusual Items | 164.03M | 147.72M | 94.95M | 175.10M | 136.80M | 143.70M |
| Gain (Loss) on Sale of Assets | 43.77K | 43.77K | 964.30K | 1.17M | 30.00K | 1.39M |
| Other Unusual Items | -6.37M | |||||
| Pretax Income | 164.08M | 147.76M | 95.92M | 176.27M | 130.47M | 145.09M |
| Income Tax Expense | 6.29M | 9.29M | 6.65M | 21.89M | 19.23M | 8.54M |
| Net Income | 157.79M | 138.47M | 89.27M | 154.37M | 111.24M | 136.54M |
| Net Income to Common | 157.79M | 138.47M | 89.27M | 154.37M | 111.24M | 136.54M |
| Shares Outstanding (Basic) | 37.50M | 37.50M | 37.50M | 37.50M | 37.50M | 22.50M |
| Shares Outstanding (Diluted) | 37.50M | 37.50M | 37.50M | 37.50M | 37.50M | 22.50M |
| EPS (Basic) | 4.21 | 3.69 | 2.38 | 4.12 | 2.97 | 6.07 |
| EPS (Diluted) | 4.21 | 3.69 | 2.38 | 4.12 | 2.97 | 6.07 |
| Free Cash Flow | 18.70M | 60.59M | 80.10M | 87.24M | 55.41M | -4.69M |
| Free Cash Flow Per Share | 0.50 | 1.62 | 2.14 | 2.33 | 1.48 | -0.21 |
| Dividend Per Share | 0.40 | 0.40 | 0.25 | 0.20 | ||
| Operating Margin | 19.63% | 16.33% | 10.94% | 18.60% | 20.28% | 27.44% |
| Profit Margin | 17.40% | 14.08% | 9.90% | 15.68% | 14.54% | 24.70% |
| Free Cash Flow Margin | 2.06% | 6.16% | 8.88% | 8.86% | 7.25% | -0.85% |
| EBITDA | 184.88M | 170.73M | 111.88M | 197.81M | 176.52M | 164.66M |
| EBITDA Margin | 20.39% | 17.36% | 12.41% | 20.09% | 23.08% | 29.78% |
| D&A For EBITDA | 6.92M | 10.19M | 13.24M | 14.64M | 21.39M | 12.95M |
| EBIT | 177.96M | 160.55M | 98.64M | 183.17M | 155.13M | 151.71M |
| EBIT Margin | 19.63% | 16.33% | 10.94% | 18.60% | 20.28% | 27.44% |
| Effective Tax Rate | 3.83% | 6.29% | 6.94% | 12.42% | 14.74% | 5.89% |
| Revenue as Reported | 1.67B | 1.61B | 1.47B |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Investments in Debt Securities | 726.67M | 613.43M | 466.80M | 324.82M | 261.25M | 187.35M |
| Investments in Equity & Preferred Securities | 189.40M | 222.41M | 225.12M | 211.97M | 211.52M | 93.73M |
| Policy Loans | 39.39M | 35.70M | 27.06M | 16.74M | 8.47M | 4.46M |
| Other Investments | 77.64M | 86.94M | 83.93M | 80.33M | 19.63M | 37.74M |
| Total Investments | 1.03B | 958.48M | 802.92M | 633.86M | 500.87M | 323.28M |
| Cash & Equivalents | 44.76M | 41.35M | 50.03M | 70.41M | 84.13M | 39.28M |
| Reinsurance Recoverable | 5.10M | 623.20K | ||||
| Other Receivables | 48.69M | 79.88M | 78.67M | 145.93M | 76.46M | 67.26M |
| Property, Plant & Equipment | 101.08M | 123.81M | 134.45M | 183.81M | 160.48M | 94.52M |
| Other Intangible Assets | 21.86M | 23.33M | 26.96M | 30.75M | 33.80M | 37.82M |
| Other Current Assets | 51.25M | 38.25M | 31.71M | 17.65M | 28.85M | 26.72M |
| Other Long-Term Assets | 17.93M | 17.41M | 18.08M | 19.01M | 19.59M | 23.97M |
| Total Assets | 1.32B | 1.28B | 1.14B | 1.10B | 909.27M | 613.48M |
| Accrued Expenses | 51.79M | 56.42M | 56.11M | 41.09M | 35.06M | 16.65M |
| Insurance & Annuity Liabilities | 859.87M | 762.33M | 633.34M | 585.08M | 456.59M | 352.17M |
| Unpaid Claims | 2.73M | 4.51M | 6.32M | 19.36M | 1.46M | |
| Unearned Premiums | 8.28M | 5.01M | 3.60M | 1.29M | 1.09M | 2.55M |
| Reinsurance Payable | 2.19M | 343.18K | 6.57M | 7.48M | 2.59M | 5.39M |
| Current Income Taxes Payable | 35.23M | 32.23M | 24.10M | 18.50M | 12.67M | 4.65M |
| Long-Term Leases | 30.25M | 42.08M | 35.46M | 62.37M | 35.39M | 4.32M |
| Other Current Liabilities | 101.48K | 101.48K | 101.68K | 52.58K | 2.65M | 3.31M |
| Other Long-Term Liabilities | -52.17M | -4.85M | -3.75M | -16.75M | -16.53M | -4.07M |
| Total Liabilities | 943.67M | 907.51M | 767.83M | 726.41M | 534.27M | 388.48M |
| Common Stock | 375.00M | 375.00M | 375.00M | 375.00M | 375.00M | 225.00M |
| Shareholders' Equity | 375.00M | 375.00M | 375.00M | 375.00M | 375.00M | 225.00M |
| Total Liabilities & Equity | 1.32B | 1.28B | 1.14B | 1.10B | 909.27M | 613.48M |
| Filing Date Shares Outstanding | 37.50M | 37.50M | 37.50M | 37.50M | 37.50M | 22.50M |
| Total Common Shares Outstanding | 37.50M | 37.50M | 37.50M | 37.50M | 37.50M | 22.50M |
| Total Debt | 30.25M | 42.08M | 35.46M | 62.37M | 35.39M | 4.32M |
| Net Cash (Debt) | 14.52M | -727.68K | 14.58M | 8.04M | 48.74M | 34.96M |
| Net Cash Per Share | 0.39 | -0.02 | 0.39 | 0.21 | 1.30 | 1.55 |
| Book Value Per Share | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Tangible Book Value | 353.14M | 351.67M | 348.04M | 344.25M | 341.20M | 187.18M |
| Tangible Book Value Per Share | 9.42 | 9.38 | 9.28 | 9.18 | 9.10 | 8.32 |
| Machinery | 121.59M | 144.91M | 154.14M | 164.21M | 159.98M | 102.92M |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 157.79M | 138.47M | 89.27M | 154.37M | 111.24M | 136.54M |
| Depreciation & Amortization | 14.46M | 21.08M | 31.25M | 37.10M | 29.31M | 12.95M |
| Other Amortization | 699.33K | 437.08K | ||||
| Other Operating Activities | -152.19M | -96.85M | -39.49M | -93.95M | -22.08M | -91.52M |
| Operating Cash Flow | 20.76M | 63.14M | 81.03M | 97.53M | 118.47M | 57.98M |
| Capital Expenditures | -2.06M | -2.55M | -935.17K | -10.28M | -63.05M | -62.67M |
| Sale of Property, Plant & Equipment | 39.08M | 15.65M | 10.86M | 3.54M | 150.00K | 1.92M |
| Investment in Securities | -69.10M | -152.37M | -165.82M | -129.84M | -174.22M | -33.22M |
| Other Investing Activities | 29.87M | 65.60M | 61.90M | 38.67M | 11.98M | 52.03M |
| Investing Cash Flow | -2.20M | -73.67M | -94.00M | -97.92M | -225.14M | -43.57M |
| Long-Term Debt Issued | 5.79M | 23.02M | 25.27M | |||
| Total Debt Repaid | 2.93M | -28.93M | -28.85M | -23.75M | ||
| Lease Payments | 2.93M | -28.93M | -28.85M | -23.75M | ||
| Net Debt Issued (Repaid) | 4.53M | 5.79M | -28.93M | -5.83M | 1.52M | |
| Issuance of Common Stock | 150.00M | |||||
| Common Dividends Paid | -6.00M | -9.38M | -7.50M | |||
| Other Financing Activities | -3.94M | -3.94M | 30.90M | |||
| Financing Cash Flow | -5.41M | 1.85M | -7.41M | -13.33M | 151.52M | |
| Miscellaneous Cash Flow Adjustments | -2.00 | -2.00 | ||||
| Net Cash Flow | 13.15M | -8.69M | -20.37M | -13.72M | 44.85M | 14.41M |
| Free Cash Flow | 18.70M | 60.59M | 80.10M | 87.24M | 55.41M | -4.69M |
| Free Cash Flow Margin | 2.06% | 6.16% | 8.88% | 8.86% | 7.25% | -0.85% |
| Free Cash Flow Per Share | 0.50 | 1.62 | 2.14 | 2.33 | 1.48 | -0.21 |
| Levered Free Cash Flow | 96.17M | 111.81M | 153.04M | 118.62M | 65.90M | 20.39M |
| Unlevered Free Cash Flow | 97.19M | 113.37M | 154.22M | 121.83M | 67.46M | 20.39M |
| Free Cash Flow After Leases | 21.63M | 60.59M | 51.16M | 58.39M | 31.66M | -4.69M |
| Cash Income Tax Paid | 22.05M | 9.77M | 11.41M | 16.06M | 11.21M | 7.81M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.68B | 2.08B | 1.38B | 2.03B | 2.30B | |
| Enterprise Value | 1.67B | 2.10B | 1.35B | 2.04B | 2.27B | |
| PE Ratio | 10.67 | 15.06 | 15.50 | 13.14 | 20.70 | |
| PS Ratio | 1.86 | 2.12 | 1.53 | 2.06 | 3.01 | |
| PB Ratio | 4.49 | 5.56 | 3.69 | 5.41 | 6.14 | |
| P/FCF Ratio | 90.03 | 34.41 | 17.28 | 23.25 | 41.55 | |
| P/OCF Ratio | 81.11 | 33.02 | 17.08 | 20.80 | 19.44 | |
| EV/Sales Ratio | 1.84 | 2.14 | 1.50 | 2.07 | 2.96 | |
| EV/EBITDA Ratio | 8.67 | 12.30 | 12.08 | 10.30 | 12.85 | |
| EV/EBIT Ratio | 9.38 | 13.08 | 13.70 | 11.13 | 14.62 | |
| EV/FCF Ratio | 89.26 | 34.66 | 16.87 | 23.36 | 40.92 | |
| Debt / Equity Ratio | 0.08 | 0.11 | 0.10 | 0.17 | 0.09 | 0.02 |
| Debt / EBITDA Ratio | 0.16 | 0.23 | 0.27 | 0.28 | 0.19 | 0.03 |
| Debt / FCF Ratio | 1.62 | 0.69 | 0.44 | 0.71 | 0.64 | |
| Net Debt / Equity Ratio | -0.04 | 0.00 | -0.04 | -0.02 | -0.13 | -0.15 |
| Net Debt / EBITDA Ratio | -0.08 | 0.00 | -0.13 | -0.04 | -0.28 | -0.21 |
| Net Debt / FCF Ratio | -0.78 | 0.01 | -0.18 | -0.09 | -0.88 | 7.46 |
| Quick Ratio | 0.71 | 0.92 | 1.11 | 2.29 | 2.75 | 2.84 |
| Current Ratio | 1.44 | 1.62 | 1.66 | 2.67 | 3.60 | 3.94 |
| Asset Turnover | 0.71 | 0.81 | 0.80 | 0.98 | 1.00 | 1.01 |
| Return on Equity (ROE) | 42.08% | 36.93% | 23.80% | 41.17% | 37.08% | 60.69% |
| Return on Assets (ROA) | 8.67% | 8.27% | 5.49% | 11.39% | 12.73% | 17.41% |
| Return on Invested Capital (ROIC) | 41.86% | 36.36% | 21.66% | 37.84% | 41.35% | 62.69% |
| Earnings Yield | 9.37% | 6.64% | 6.45% | 7.61% | 4.83% | |
| FCF Yield | 1.11% | 2.91% | 5.79% | 4.30% | 2.41% | |
| Dividend Yield | 0.89% | 0.72% | 0.46% | 0.33% | ||
| Payout Ratio | 3.80% | 10.50% | 4.86% | |||
| Buyback Yield / Dilution | -66.67% | |||||
| Total Shareholder Return | 0.89% | 0.72% | 0.46% | -66.34% |