DSE : DGIC
Desh General Insurance Company Limited — Financial statements
Fire, Marine, and Casualty Insurance · Bangladesh
Last price 40.7 BDT (At close: Oct 28, 2026) · Market cap 1.66B
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Premiums & Annuity Revenue | 197.66M | 197.66M | 209.00M | 324.49M | 389.78M | 198.61M |
| Total Interest & Dividend Income | 33.93M | 33.11M | 28.96M | 27.83M | 23.14M | 23.93M |
| Gain (Loss) on Sale of Investments | -5.69M | -9.97M | -10.71M | -215.21K | -5.66M | |
| Other Revenue | 38.79M | 38.79M | 30.20M | 37.67M | 27.48M | 38.31M |
| Total Revenue | 264.68M | 259.59M | 257.45M | 389.78M | 434.74M | 260.86M |
| Policy Benefits | 20.69M | 20.69M | 21.66M | 58.48M | 143.75M | 7.17M |
| Policy Acquisition & Underwriting Costs | 33.55M | 33.55M | 36.18M | 49.50M | 47.30M | 10.63M |
| Depreciation & Amortization | 11.92M | 12.46M | 12.15M | 12.47M | 13.43M | 14.46M |
| Selling, General & Administrative | 159.88M | 159.94M | 175.19M | 171.46M | 153.17M | 142.21M |
| Other Operating Expenses | 20.00M | 5.00M | 10.32M | 21.34M | 3.45K | 4.14K |
| Total Operating Expenses | 247.77M | 232.56M | 255.89M | 316.98M | 361.39M | 179.12M |
| Operating Income | 16.91M | 27.03M | 1.56M | 72.80M | 73.36M | 81.73M |
| Interest Expense | -8.87M | -8.11M | -6.36M | -5.37M | -5.21M | -6.81M |
| Other Non Operating Income (Expenses) | -659.98K | -656.02K | -564.00K | -543.89K | -1.91M | -1.85M |
| EBT Excluding Unusual Items | 7.38M | 18.26M | -5.36M | 66.88M | 66.24M | 73.08M |
| Pretax Income | 7.38M | 18.26M | -5.36M | 66.88M | 66.24M | 73.08M |
| Income Tax Expense | 12.05M | 12.05M | 10.61M | 25.35M | 24.76M | 26.51M |
| Net Income | -4.66M | 6.22M | -15.97M | 41.53M | 41.47M | 46.57M |
| Preferred Dividends & Other Adjustments | 1.18M | |||||
| Net Income to Common | -4.66M | 6.22M | -15.97M | 41.53M | 41.47M | 45.39M |
| Shares Outstanding (Basic) | 40.00M | 40.00M | 40.00M | 40.00M | 40.00M | 37.41M |
| Shares Outstanding (Diluted) | 40.00M | 40.00M | 40.00M | 40.00M | 40.00M | 37.41M |
| EPS (Basic) | -0.12 | 0.16 | -0.40 | 1.04 | 1.04 | 1.21 |
| EPS (Diluted) | -0.12 | 0.16 | -0.40 | 1.04 | 1.04 | 1.21 |
| Free Cash Flow | 9.99M | -4.24M | -11.71M | 11.02M | 55.09M | 30.48M |
| Free Cash Flow Per Share | 0.25 | -0.11 | -0.29 | 0.28 | 1.38 | 0.81 |
| Dividend Per Share | 0.20 | 0.20 | 0.10 | 0.50 | 0.50 | 1.00 |
| Operating Margin | 6.39% | 10.41% | 0.61% | 18.68% | 16.87% | 31.33% |
| Profit Margin | -1.76% | 2.40% | -6.20% | 10.66% | 9.54% | 17.40% |
| Free Cash Flow Margin | 3.77% | -1.63% | -4.55% | 2.83% | 12.67% | 11.69% |
| EBITDA | 24.36M | 34.68M | 9.96M | 81.95M | 83.41M | 92.23M |
| EBITDA Margin | 9.20% | 13.36% | 3.87% | 21.02% | 19.19% | 35.36% |
| D&A For EBITDA | 7.44M | 7.64M | 8.40M | 9.15M | 10.06M | 10.50M |
| EBIT | 16.91M | 27.03M | 1.56M | 72.80M | 73.36M | 81.73M |
| EBIT Margin | 6.39% | 10.41% | 0.61% | 18.68% | 16.87% | 31.33% |
| Effective Tax Rate | 163.12% | 65.95% | 37.90% | 37.38% | 36.27% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Total Investments | 105.67M | 11.43M | 21.39M | 30.78M | 31.13M | 36.98M |
| Cash & Equivalents | 289.21M | 294.15M | 291.81M | 310.35M | 335.11M | 365.04M |
| Reinsurance Recoverable | 324.64M | 356.92M | 335.42M | 345.74M | 367.08M | 278.09M |
| Other Receivables | 84.16M | 55.14M | 48.28M | 51.65M | 27.49M | 8.79M |
| Property, Plant & Equipment | 89.82M | 90.02M | 96.59M | 102.59M | 112.15M | 116.13M |
| Other Intangible Assets | 3.33M | 3.70M | 4.11M | 4.12M | 4.47M | |
| Other Current Assets | 6.74M | 38.84M | 59.04M | 47.63M | 48.10M | 60.40M |
| Other Long-Term Assets | -1.00 | 89.00M | 89.00M | 80.50M | 65.00M | 25.00M |
| Total Assets | 900.25M | 938.82M | 945.23M | 973.35M | 990.18M | 894.89M |
| Accrued Expenses | 83.78M | 63.33M | 61.90M | 44.49M | 34.61M | |
| Insurance & Annuity Liabilities | 35.37M | 78.60M | 74.10M | 103.79M | 119.12M | 79.14M |
| Unpaid Claims | 111.48M | 114.03M | 121.52M | 104.94M | 108.43M | 30.75M |
| Unearned Premiums | 5.97M | 6.29M | 5.53M | 5.77M | 3.13M | 2.92M |
| Reinsurance Payable | 781.42K | 3.81M | 1.78M | 6.19M | 67.80M | 87.37M |
| Current Income Taxes Payable | 109.04M | 99.75M | 133.08M | 122.37M | 100.73M | 93.48M |
| Long-Term Debt | 64.78M | 70.60M | 69.99M | 69.71M | 70.34M | 90.39M |
| Long-Term Leases | 5.12M | 6.95M | 5.12M | 3.76M | 3.72M | 2.83M |
| Long-Term Deferred Tax Liabilities | 10.87M | 14.74M | 15.05M | 15.16M | 14.79M | 14.38M |
| Other Current Liabilities | 1.47M | 6.05M | 3.70M | 3.79M | 3.13M | 5.99M |
| Other Long-Term Liabilities | 81.91M | 180.00K | 180.00K | 178.00K | 227.50K | 227.50K |
| Total Liabilities | 426.80M | 484.77M | 493.39M | 497.55M | 535.92M | 442.09M |
| Common Stock | 400.00M | 400.00M | 400.00M | 400.00M | 400.00M | 400.00M |
| Retained Earnings | 73.45M | 54.05M | 51.83M | 75.80M | 54.27M | 52.79M |
| Shareholders' Equity | 473.45M | 454.05M | 451.83M | 475.80M | 454.27M | 452.79M |
| Total Liabilities & Equity | 900.25M | 938.82M | 945.23M | 973.35M | 990.18M | 894.89M |
| Filing Date Shares Outstanding | 40.00M | 40.00M | 40.00M | 40.00M | 40.00M | 40.00M |
| Total Common Shares Outstanding | 40.00M | 40.00M | 40.00M | 40.00M | 40.00M | 40.00M |
| Total Debt | 69.90M | 77.55M | 75.11M | 73.48M | 74.06M | 93.22M |
| Net Cash (Debt) | 219.31M | 216.60M | 216.70M | 236.87M | 261.05M | 271.81M |
| Net Cash Per Share | 5.48 | 5.41 | 5.42 | 5.92 | 6.53 | 7.27 |
| Book Value Per Share | 11.84 | 11.35 | 11.30 | 11.90 | 11.36 | 11.32 |
| Tangible Book Value | 473.45M | 450.72M | 448.13M | 471.69M | 450.14M | 448.32M |
| Tangible Book Value Per Share | 11.84 | 11.27 | 11.20 | 11.79 | 11.25 | 11.21 |
| Machinery | 160.89M | 160.87M | 159.94M | 159.43M | 155.57M |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -4.66M | 6.22M | -15.97M | 41.53M | 41.47M | 46.57M |
| Depreciation & Amortization | 11.55M | 12.09M | 11.74M | 12.04M | 12.97M | 13.96M |
| Other Amortization | 370.25K | 370.25K | 411.39K | 430.95K | 458.31K | 497.15K |
| Change in Unearned Revenue | 682.86K | 682.86K | -231.81K | 2.39M | 206.63K | -956.19K |
| Change in Deferred Taxes | -317.80K | -317.80K | -105.19K | 368.07K | 406.45K | 66.13K |
| Change in Insurance Reserves / Liabilities | -7.49M | -7.49M | 16.44M | -3.49M | 77.68M | -8.42M |
| Change in Other Net Operating Assets | 4.05M | 4.05M | -13.41M | -59.57M | -78.15M | -30.89M |
| Other Operating Activities | 5.49M | -20.04M | -10.92M | 18.75M | 4.33M | 11.73M |
| Operating Cash Flow | 9.94M | -4.17M | -11.21M | 12.03M | 59.59M | 32.33M |
| Capital Expenditures | 48.09K | -68.23K | -501.84K | -1.01M | -4.50M | -1.85M |
| Investment in Securities | -1.70M | 5.50M | -1.85M | -14.50M | -103.05M | |
| Investing Cash Flow | 48.09K | -1.77M | 5.00M | -2.86M | -19.00M | -104.90M |
| Long-Term Debt Issued | 615.84K | 274.23K | 1.05M | |||
| Total Debt Repaid | -5.82M | -624.11K | -10.86M | |||
| Net Debt Issued (Repaid) | -5.30M | 615.84K | 274.23K | -624.11K | -10.86M | 1.05M |
| Issuance of Common Stock | 160.00M | |||||
| Common Dividends Paid | -4.00M | -4.00M | -8.00M | -20.00M | -40.00M | -40.00M |
| Other Financing Activities | 9.97M | 9.97M | 9.39M | 343.22K | 5.85M | -36.98M |
| Financing Cash Flow | 671.28K | 6.58M | 1.66M | -20.28M | -45.01M | 84.07M |
| Net Cash Flow | 10.66M | 640.40K | -4.54M | -11.11M | -4.43M | 11.50M |
| Free Cash Flow | 9.99M | -4.24M | -11.71M | 11.02M | 55.09M | 30.48M |
| Free Cash Flow Margin | 3.77% | -1.63% | -4.55% | 2.83% | 12.67% | 11.69% |
| Free Cash Flow Per Share | 0.25 | -0.11 | -0.29 | 0.28 | 1.38 | 0.81 |
| Levered Free Cash Flow | 10.77M | 44.33M | 28.83M | 34.57M | 4.49M | |
| Unlevered Free Cash Flow | 15.84M | 48.31M | 32.19M | 37.83M | 8.74M | |
| Cash Income Tax Paid | 12.11M | 27.50M | 18.19M | 3.71M | 17.51M | 10.67M |
| Change in Working Capital | -2.81M | -2.81M | 3.53M | -60.73M | 350.19K | -40.43M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.66B | 800.00M | 936.00M | 1.34B | 1.30B | 1.64B |
| Enterprise Value | 1.44B | 583.30M | 699.13M | 1.08B | 1.03B | 1.49B |
| PE Ratio | 128.64 | 32.26 | 31.34 | 36.05 | ||
| PS Ratio | 6.26 | 3.08 | 3.64 | 3.44 | 2.99 | 6.27 |
| PB Ratio | 3.50 | 1.76 | 2.07 | 2.82 | 2.86 | 3.61 |
| P/FCF Ratio | 165.74 | 121.58 | 23.60 | 53.67 | ||
| P/OCF Ratio | 166.54 | 111.39 | 21.82 | 50.60 | ||
| EV/Sales Ratio | 5.43 | 2.25 | 2.72 | 2.77 | 2.37 | 5.70 |
| EV/EBITDA Ratio | 50.47 | 16.82 | 70.16 | 13.17 | 12.33 | 16.11 |
| EV/EBIT Ratio | 84.94 | 21.58 | 446.78 | 14.82 | 14.02 | 18.18 |
| EV/FCF Ratio | 143.79 | 97.90 | 18.66 | 48.73 | ||
| Debt / Equity Ratio | 0.15 | 0.17 | 0.17 | 0.15 | 0.16 | 0.21 |
| Debt / EBITDA Ratio | 2.46 | 1.98 | 5.64 | 0.87 | 0.86 | 0.97 |
| Debt / FCF Ratio | 7.00 | 6.67 | 1.34 | 3.06 | ||
| Net Debt / Equity Ratio | -0.46 | -0.48 | -0.48 | -0.50 | -0.57 | -0.60 |
| Net Debt / EBITDA Ratio | -9.00 | -6.25 | -21.75 | -2.89 | -3.13 | -2.95 |
| Net Debt / FCF Ratio | -21.95 | 51.05 | 18.51 | -21.49 | -4.74 | -8.92 |
| Quick Ratio | 1.66 | 1.13 | 1.06 | 1.25 | 1.17 | 1.58 |
| Current Ratio | 3.15 | 2.41 | 2.30 | 2.58 | 2.47 | 2.94 |
| Asset Turnover | 0.28 | 0.27 | 0.40 | 0.46 | 0.33 | |
| Return on Equity (ROE) | 1.37% | -3.44% | 8.93% | 9.14% | 12.60% | |
| Return on Assets (ROA) | 1.79% | 0.10% | 4.63% | 4.86% | 6.38% | |
| Return on Invested Capital (ROIC) | -1.99% | 1.74% | 0.29% | 8.39% | 8.55% | 11.17% |
| Earnings Yield | -0.28% | 0.78% | -1.71% | 3.10% | 3.19% | 2.85% |
| FCF Yield | 0.60% | -0.53% | -1.25% | 0.82% | 4.24% | 1.86% |
| Dividend Yield | 0.48% | 1.00% | 0.43% | 1.49% | 1.54% | 2.44% |
| Payout Ratio | 64.32% | 48.15% | 96.45% | 85.89% | ||
| Buyback Yield / Dilution | -6.91% | -55.89% | ||||
| Total Shareholder Return | 0.48% | 1.00% | 0.43% | 1.49% | -5.38% | -53.45% |