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Continental Insurance PLC. — Financial statements
Insurance Carriers · Bangladesh
Last price 31 BDT (At close: Oct 29, 2026) · Market cap 1.35B
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Premiums & Annuity Revenue | 323.03M | 321.90M | 384.25M | 388.70M | 345.19M | 272.17M |
| Total Interest & Dividend Income | 41.58M | 42.00M | 33.40M | 29.61M | 31.11M | 39.49M |
| Gain (Loss) on Sale of Investments | 359.74K | 359.74K | 505.57K | 5.05M | -2.03M | 2.21M |
| Other Revenue | 44.07M | 43.37M | 69.91M | 89.54M | 70.26M | 57.09M |
| Total Revenue | 409.04M | 407.63M | 488.07M | 512.91M | 444.53M | 370.96M |
| Policy Benefits | 88.00M | 65.93M | 105.15M | 108.69M | 54.13M | 63.82M |
| Policy Acquisition & Underwriting Costs | 32.11M | 74.52M | 93.46M | 96.63M | 92.21M | 31.28M |
| Depreciation & Amortization | 6.24M | 6.24M | 9.71M | 11.22M | 7.33M | 6.79M |
| Selling, General & Administrative | 169.41M | 162.87M | 180.25M | 167.44M | 164.02M | 153.76M |
| Other Operating Expenses | 1.57M | 1.55M | 2.64M | |||
| Total Operating Expenses | 304.60M | 318.41M | 400.17M | 400.46M | 334.17M | 272.28M |
| Operating Income | 104.44M | 89.22M | 87.90M | 112.44M | 110.36M | 98.67M |
| Interest Expense | -11.00M | -11.00M | -10.79M | -8.36M | -6.67M | -1.15M |
| Other Non Operating Income (Expenses) | -3.04M | -3.04M | -2.15M | -1.89M | -2.30M | -1.76M |
| EBT Excluding Unusual Items | 90.40M | 75.19M | 74.95M | 102.19M | 101.39M | 95.76M |
| Gain (Loss) on Sale of Assets | 3.92M | 3.92M | -320.82K | 6.97M | 3.52M | 2.20M |
| Pretax Income | 94.33M | 79.11M | 74.63M | 109.15M | 104.90M | 97.96M |
| Income Tax Expense | 18.89M | 13.55M | 12.75M | 24.06M | 25.65M | 25.83M |
| Net Income | 75.44M | 65.56M | 61.88M | 85.09M | 79.25M | 72.13M |
| Preferred Dividends & Other Adjustments | 14.58M | 12.94M | 9.38M | |||
| Net Income to Common | 75.44M | 65.56M | 61.88M | 70.51M | 66.31M | 62.75M |
| Shares Outstanding (Basic) | 43.69M | 43.69M | 43.69M | 43.69M | 43.69M | 43.69M |
| Shares Outstanding (Diluted) | 43.69M | 43.69M | 43.69M | 43.69M | 43.69M | 43.69M |
| EPS (Basic) | 1.73 | 1.50 | 1.42 | 1.61 | 1.52 | 1.44 |
| EPS (Diluted) | 1.73 | 1.50 | 1.42 | 1.61 | 1.52 | 1.44 |
| Free Cash Flow | 48.93M | 40.34M | -20.98M | -30.72M | 38.56M | 75.48M |
| Free Cash Flow Per Share | 1.12 | 0.92 | -0.48 | -0.70 | 0.88 | 1.73 |
| Dividend Per Share | 0.50 | 0.50 | 0.50 | 0.48 | 0.95 | 1.14 |
| Operating Margin | 25.53% | 21.89% | 18.01% | 21.92% | 24.83% | 26.60% |
| Profit Margin | 18.44% | 16.08% | 12.68% | 13.75% | 14.92% | 16.92% |
| Free Cash Flow Margin | 11.96% | 9.90% | -4.30% | -5.99% | 8.67% | 20.35% |
| EBITDA | 108.95M | 95.46M | 97.61M | 123.66M | 117.69M | 105.46M |
| EBITDA Margin | 26.64% | 23.42% | 20.00% | 24.11% | 26.47% | 28.43% |
| D&A For EBITDA | 4.51M | 6.24M | 9.71M | 11.22M | 7.33M | 6.79M |
| EBIT | 104.44M | 89.22M | 87.90M | 112.44M | 110.36M | 98.67M |
| EBIT Margin | 25.53% | 21.89% | 18.01% | 21.92% | 24.83% | 26.60% |
| Effective Tax Rate | 20.02% | 17.13% | 17.09% | 22.05% | 24.45% | 26.37% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Investments in Debt Securities | -18.54M | -15.61M | ||||
| Investments in Equity & Preferred Securities | 76.41M | 75.69M | 77.56M | 119.98M | 47.95M | |
| Total Investments | 137.87M | 57.87M | 60.08M | 77.56M | 119.98M | 47.95M |
| Cash & Equivalents | 435.80M | 424.57M | 426.52M | 476.50M | 537.07M | 537.85M |
| Reinsurance Recoverable | 347.86M | 289.06M | 236.71M | 237.25M | 239.46M | |
| Other Receivables | 615.69M | 31.05M | 28.75M | 9.26M | 8.77M | 12.06M |
| Property, Plant & Equipment | 121.39M | 129.39M | 139.83M | 151.22M | 162.70M | 137.64M |
| Other Current Assets | 413.72M | 587.28M | 561.72M | 529.52M | 391.64M | 328.19M |
| Other Long-Term Assets | 81.00M | 49.26M | 31.02M | 25.83M | 25.75M | |
| Total Assets | 1.72B | 1.66B | 1.56B | 1.51B | 1.48B | 1.33B |
| Accrued Expenses | 42.63M | 43.96M | 41.03M | 38.60M | 35.56M | |
| Insurance & Annuity Liabilities | 142.34M | 129.86M | 158.67M | 158.76M | 140.82M | 111.32M |
| Unpaid Claims | 69.27M | 55.49M | 43.18M | 32.89M | 28.28M | 23.53M |
| Unearned Premiums | 52.25M | 50.70M | 29.51M | 32.60M | 22.88M | 15.76M |
| Reinsurance Payable | 95.67M | 50.61M | 50.87M | 85.70M | 78.88M | |
| Short-Term Debt | 84.38M | 82.75M | 84.99M | 80.58M | 76.86M | |
| Current Income Taxes Payable | 168.38M | 154.78M | 153.54M | 134.50M | 111.35M | |
| Long-Term Leases | 4.79M | 5.42M | 4.23M | 9.71M | 13.16M | |
| Long-Term Deferred Tax Liabilities | -58.91K | -4.12K | 671.17K | 1.17M | 1.87M | |
| Other Current Liabilities | 424.90M | 4.34M | 4.21M | 7.39M | 9.25M | 1.65M |
| Other Long-Term Liabilities | 1.37M | 826.49K | 5.35M | 7.39M | 2.18M | |
| Total Liabilities | 688.75M | 664.09M | 600.83M | 584.48M | 567.95M | 479.35M |
| Common Stock | 436.86M | 436.86M | 436.86M | 416.05M | 416.05M | 416.05M |
| Additional Paid-In Capital | 45.38M | 45.38M | 45.38M | 45.38M | 45.38M | 45.38M |
| Retained Earnings | 541.72M | 500.94M | 457.46M | 437.19M | 393.70M | 364.37M |
| Comprehensive Income & Other | 11.77M | 11.77M | 14.70M | 28.69M | 60.16M | 23.76M |
| Shareholders' Equity | 1.04B | 994.94M | 954.39M | 927.30M | 915.28M | 849.56M |
| Total Liabilities & Equity | 1.72B | 1.66B | 1.56B | 1.51B | 1.48B | 1.33B |
| Filing Date Shares Outstanding | 43.69M | 43.69M | 43.69M | 43.69M | 43.69M | 43.69M |
| Total Common Shares Outstanding | 43.69M | 43.69M | 43.69M | 43.69M | 43.69M | 43.69M |
| Total Debt | 89.17M | 88.17M | 89.23M | 90.29M | 90.02M | |
| Net Cash (Debt) | 435.80M | 335.40M | 338.35M | 387.27M | 446.78M | 447.83M |
| Net Cash Per Share | 9.98 | 7.68 | 7.75 | 8.86 | 10.23 | 10.25 |
| Book Value Per Share | 23.71 | 22.78 | 21.85 | 21.23 | 20.95 | 19.45 |
| Tangible Book Value | 1.04B | 994.94M | 954.39M | 927.30M | 915.28M | 849.56M |
| Tangible Book Value Per Share | 23.71 | 22.78 | 21.85 | 21.23 | 20.95 | 19.45 |
| Land | 75.77M | 75.77M | 75.77M | 75.77M | 75.77M | |
| Machinery | 108.32M | 117.48M | 124.20M | 134.65M | 122.51M |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 75.44M | 65.56M | 61.88M | 85.09M | 79.25M | 72.13M |
| Depreciation & Amortization | 15.27M | 15.27M | 19.38M | 21.25M | 17.28M | 16.32M |
| Gain (Loss) on Sale of Assets | -3.92M | -3.92M | 320.82K | -6.97M | -3.52M | -2.20M |
| Change in Other Net Operating Assets | -40.53M | -40.53M | -105.40M | -136.89M | -33.79M | 10.35M |
| Other Operating Activities | 2.76M | 4.53M | 3.08M | 14.04M | 15.70M | -10.31M |
| Operating Cash Flow | 49.01M | 40.90M | -20.73M | -23.49M | 74.92M | 86.29M |
| Capital Expenditures | -80.00K | -558.88K | -246.40K | -7.23M | -36.36M | -10.81M |
| Sale of Property, Plant & Equipment | 8.05M | 8.05M | 2.78M | 6.13M | 4.04M | 2.54M |
| Investment in Securities | -9.03M | -31.50M | -18.50M | |||
| Investing Cash Flow | -1.06M | -24.01M | -15.96M | -1.10M | -32.32M | -8.27M |
| Common Dividends Paid | -18.84M | -18.84M | -13.28M | -35.99M | -43.39M | -21.41M |
| Financing Cash Flow | -18.84M | -18.84M | -13.28M | -35.99M | -43.39M | -21.41M |
| Net Cash Flow | 29.11M | -1.95M | -49.98M | -60.57M | -786.17K | 56.61M |
| Free Cash Flow | 48.93M | 40.34M | -20.98M | -30.72M | 38.56M | 75.48M |
| Free Cash Flow Margin | 11.96% | 9.90% | -4.30% | -5.99% | 8.67% | 20.35% |
| Free Cash Flow Per Share | 1.12 | 0.92 | -0.48 | -0.70 | 0.88 | 1.73 |
| Levered Free Cash Flow | 54.21M | 67.89M | -28.79M | -59.64M | 40.26M | 48.61M |
| Unlevered Free Cash Flow | 61.09M | 74.76M | -22.05M | -54.42M | 44.43M | 49.33M |
| Cash Income Tax Paid | 12.62M | 12.62M | 26.63M | 22.44M | 27.66M | 42.83M |
| Change in Working Capital | -40.53M | -40.53M | -105.40M | -136.89M | -33.79M | 10.35M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.35B | 1.04B | 1.13B | 1.66B | 1.26B | 1.97B |
| Enterprise Value | 918.45M | 635.13M | 647.17M | 1.15B | 741.66M | 1.50B |
| PE Ratio | 17.95 | 15.79 | 18.28 | 23.60 | 19.01 | 31.43 |
| PS Ratio | 3.31 | 2.54 | 2.32 | 3.25 | 2.84 | 5.32 |
| PB Ratio | 1.31 | 1.04 | 1.19 | 1.79 | 1.38 | 2.32 |
| P/FCF Ratio | 27.68 | 25.66 | 32.69 | 26.13 | ||
| P/OCF Ratio | 27.63 | 25.31 | 16.83 | 22.86 | ||
| EV/Sales Ratio | 2.25 | 1.56 | 1.33 | 2.24 | 1.67 | 4.05 |
| EV/EBITDA Ratio | 7.79 | 6.65 | 6.63 | 9.29 | 6.30 | 14.26 |
| EV/EBIT Ratio | 8.79 | 7.12 | 7.36 | 10.22 | 6.72 | 15.24 |
| EV/FCF Ratio | 18.77 | 15.74 | 19.23 | 19.93 | ||
| Debt / Equity Ratio | 0.09 | 0.09 | 0.10 | 0.10 | 0.11 | |
| Debt / EBITDA Ratio | 0.85 | 0.82 | 0.67 | 0.71 | 0.78 | |
| Debt / FCF Ratio | 2.21 | 2.34 | 1.19 | |||
| Net Debt / Equity Ratio | -0.42 | -0.34 | -0.35 | -0.42 | -0.49 | -0.53 |
| Net Debt / EBITDA Ratio | -4.00 | -3.51 | -3.47 | -3.13 | -3.80 | -4.25 |
| Net Debt / FCF Ratio | -8.91 | -8.31 | 16.13 | 12.61 | -11.59 | -5.93 |
| Quick Ratio | 2.18 | 0.88 | 1.09 | 1.18 | 1.34 | 1.56 |
| Current Ratio | 2.93 | 2.77 | 3.19 | 3.10 | 2.94 | 3.25 |
| Asset Turnover | 0.25 | 0.25 | 0.32 | 0.34 | 0.32 | 0.30 |
| Return on Equity (ROE) | 7.47% | 6.73% | 6.58% | 9.24% | 8.98% | 8.78% |
| Return on Assets (ROA) | 3.92% | 3.47% | 3.58% | 4.69% | 4.91% | 4.98% |
| Return on Invested Capital (ROIC) | 8.14% | 6.95% | 7.08% | 8.67% | 8.57% | 8.19% |
| Earnings Yield | 5.57% | 6.33% | 5.47% | 5.11% | 6.29% | 3.66% |
| FCF Yield | 3.61% | 3.90% | -1.85% | -1.85% | 3.06% | 3.83% |
| Dividend Yield | 1.61% | 2.11% | 1.93% | 1.25% | 3.30% | 2.53% |
| Payout Ratio | 24.97% | 28.74% | 21.47% | 42.29% | 54.74% | 29.68% |
| Buyback Yield / Dilution | 0.00% | |||||
| Total Shareholder Return | 1.61% | 2.11% | 1.93% | 1.25% | 3.30% | 2.53% |