DSE : CRYSTALINS

Crystal Insurance PLC — Key statistics

Fire, Marine, and Casualty Insurance · Bangladesh

Last price 63.5 BDT (At close: Oct 28, 2026) · Market cap 2.79B

Latest research: Crystal Insurance financial analysis: net claims ratio 32.9% and expense ratio 38.0% in 2025 (Oct 2026) · Crystal Insurance: unmodified 2025 audit, net premium Tk 704.7m and underwriting profit at 76.7% of pre-tax profit

Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports

Technical report: trend, RSI, support and resistance, charts

Key statistics

Valuation

MeasureValue
Market Cap2.94B
Enterprise Value2.90B

Dates

MeasureValue
Earnings DateNov 5, 2026
Ex-Dividend DateMar 9, 2026

Shares

MeasureValue
Current Share Class44.00M
Shares Outstanding44.00M
Shares Change (YoY)+0.02%
Shares Change (QoQ)-0.12%
Owned by Insiders (%)58.00%
Owned by Institutions (%)n/a
Float18.48M

Ratios

MeasureValue
PE Ratio19.08
Forward PEn/a
PS Ratio3.47
PB Ratio2.35
P/TBV Ratio2.35
P/FCF Ratio27.80
P/OCF Ratio25.60
PEG Ration/a

Evratios

MeasureValue
EV / Earnings18.84
EV / Sales3.43
EV / EBITDA13.03
EV / EBIT15.39
EV / FCF27.45

Financialposition

MeasureValue
Current Ratio2.73
Quick Ratio0.43
Debt / Equity0.01
Debt / EBITDA0.07
Debt / FCF0.14
Interest Coverage114.70

Financialefficiency

MeasureValue
Return on Equity (ROE)12.80%
Return on Assets (ROA)5.30%
Return on Invested Capital (ROIC)12.23%
Return on Capital Employed (ROCE)10.68%
Weighted Average Cost of Capital (WACC)5.24%
Revenue Per Employee2.59M
Profits Per Employee471,066
Employee Count327
Asset Turnover0.38
Inventory Turnovern/a

Taxes

MeasureValue
Income Tax36.18M
Effective Tax Rate19.02%

Stockprice

MeasureValue
Beta (5Y)0.18
52-Week Price Change+25.33%
50-Day Moving Average64.94
200-Day Moving Average71.39
Relative Strength Index (RSI)55.74
Average Volume (20 Days)257,108

Shortselling

MeasureValue
Short Interestn/a
Short Previous Monthn/a
Short % of Shares Outn/a
Short % of Floatn/a
Short Ratio (days to cover)n/a

Incomestatement

MeasureValue
Revenue846.70M
Gross Profit457.36M
Operating Income188.59M
Pretax Income190.22M
Net Income154.04M
EBITDA217.57M
EBIT188.59M
Earnings Per Share (EPS)3.50

Balancesheet

MeasureValue
Cash & Cash Equivalents51.58M
Total Debt15.09M
Net Cash36.49M
Net Cash Per Share0.83
Equity (Book Value)1.25B
Book Value Per Share28.51
Working Capital987.30M

Cashflow

MeasureValue
Operating Cash Flow114.83M
Capital Expenditures-9.08M
Depreciation & Amortizationn/a
Net Borrowingn/a
Free Cash Flow105.75M
FCF Per Share2.40

Margins

MeasureValue
Gross Margin54.02%
Operating Margin22.27%
Pretax Margin22.47%
Profit Margin18.19%
EBITDA Margin25.70%
EBIT Margin22.27%
FCF Margin12.49%

Dividends

MeasureValue
Dividend Per Share1.20
Dividend Yield1.80%
Dividend Growth (YoY)n/a
Years of Dividend Growth1
Payout Ratio30.14%
FCF Payout Ratio49.93%
Buyback Yield-0.02%
Shareholder Yield1.78%
Earnings Yield5.24%
FCF Yield3.60%

Analystforecasts

MeasureValue
Price Targetn/a
Price Target Differencen/a
Analyst Consensusn/a
Analyst Countn/a
Revenue Growth Forecast (3Y)n/a
EPS Growth Forecast (3Y)n/a

Stocksplits

MeasureValue
Last Split DateMar 13, 2024
Split TypeForward
Split Ratio1.1

Scores

MeasureValue
Altman Z-Scoren/a
Piotroski F-Score5

Fairvalue

MeasureValue
Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside