DSE : FASFIN
FAS Finance & Investment Limited — Financial statements
Miscellaneous business Credit Institutions · Bangladesh
Last price 2.5 BDT (At close: Aug 10, 2026) · Market cap 372.69M
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest and Dividend Income | 93.00M | 140.30M | 86.52M | 121.60M | 86.22M | 301.61M |
| Total Interest Expense | 2.13B | 2.09B | 2.01B | 1.59B | 1.88B | 1.92B |
| Net Interest Income | -2.04B | -1.95B | -1.92B | -1.47B | -1.79B | -1.62B |
| Commissions and Fees | 200.00K | 200.00K | 600.00K | |||
| Other Revenue | 581.12K | 855.24K | 1.82M | 1.28M | 4.64M | 41.45M |
| Revenue Before Loan Losses | -2.03B | -1.95B | -1.92B | -1.47B | -1.79B | -1.58B |
| Provision for Loan Losses | 1.26B | 1.26B | 1.00B | 1.07B | 3.81B | 1.29B |
| Revenue | -3.30B | -3.21B | -2.92B | -2.53B | -5.60B | -2.86B |
| Salaries & Employee Benefits | 24.32M | 27.54M | 35.60M | 41.59M | 42.67M | 54.22M |
| Cost of Services Provided | 14.45M | 13.35M | 8.13M | 11.67M | 15.00M | 15.14M |
| Other Operating Expenses | 6.95M | 7.60M | 7.66M | 10.83M | 17.25M | 10.90M |
| Total Operating Expenses | 64.08M | 67.45M | 71.91M | 85.42M | 95.41M | 112.89M |
| Operating Income | -3.36B | -3.28B | -2.99B | -2.62B | -5.69B | -2.98B |
| EBT Excluding Unusual Items | -3.47B | -3.38B | -3.16B | -2.88B | -7.15B | -2.98B |
| Gain (Loss) on Sale of Investments | 30.78M | 25.88M | ||||
| Pretax Income | -3.44B | -3.36B | -3.16B | -2.88B | -7.15B | -2.98B |
| Income Tax Expense | 34.20M | 30.87M | 31.10M | 14.68M | 5.53M | 531.63K |
| Earnings From Continuing Ops. | -3.47B | -3.39B | -3.19B | -2.89B | -7.16B | -2.98B |
| Minority Interest in Earnings | 10.95M | 11.11M | 2.88M | 6.44M | 22.66M | 10.98M |
| Net Income | -3.46B | -3.38B | -3.19B | -2.89B | -7.13B | -2.97B |
| Net Income to Common | -3.46B | -3.38B | -3.19B | -2.89B | -7.13B | -2.97B |
| Shares Outstanding (Basic) | 149.08M | 149.08M | 149.08M | 149.08M | 149.08M | 149.08M |
| Shares Outstanding (Diluted) | 149.08M | 149.08M | 149.08M | 149.08M | 149.08M | 149.08M |
| EPS (Basic) | -23.22 | -22.65 | -21.37 | -19.37 | -47.84 | -19.94 |
| EPS (Diluted) | -23.22 | -22.65 | -21.37 | -19.37 | -47.84 | -19.94 |
| Free Cash Flow | -205.68M | -182.32M | -182.26M | -550.60M | -830.14M | -109.61M |
| Free Cash Flow Per Share | -1.38 | -1.22 | -1.22 | -3.69 | -5.57 | -0.73 |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 1.52B | 1.56B | 1.40B | 1.35B | 1.30B | 1.29B |
| Long-Term Investments | 78.23M | 70.50M | 48.95M | 56.27M | 73.80M | 37.95M |
| Loans & Lease Receivables | 17.69B | 17.69B | 17.72B | 17.88B | 18.00B | 19.30B |
| Other Receivables | 75.87M | 60.83M | 82.06M | 73.12M | 149.19M | |
| Property, Plant & Equipment | 247.39M | 251.62M | 307.94M | 322.24M | 331.19M | 398.97M |
| Other Intangible Assets | 8.73M | 9.75M | 11.47M | 13.07M | 15.37M | 208.44K |
| Other Current Assets | 466.50M | 443.70M | 419.83M | 397.47M | 379.69M | |
| Long-Term Deferred Charges | 2.66M | 2.60M | 9.99M | 12.28M | 20.66M | |
| Other Long-Term Assets | 626.92M | 72.01M | 73.19M | 62.84M | 32.10M | 29.88M |
| Total Assets | 20.17B | 20.20B | 20.07B | 20.20B | 20.23B | 21.61B |
| Interest Bearing Deposits | 12.68B | 12.36B | 11.60B | 10.98B | 9.77B | 9.16B |
| Total Deposits | 12.68B | 12.36B | 11.60B | 10.98B | 9.77B | 9.16B |
| Long-Term Debt | 10.38B | 10.38B | 9.78B | 9.46B | 8.68B | 8.24B |
| Long-Term Leases | 8.76M | 8.76M | 12.88M | 17.24M | 15.31M | 87.98M |
| Other Long-Term Liabilities | 20.77B | 19.57B | 17.44B | 15.50B | 14.64B | 9.11B |
| Total Liabilities | 43.84B | 42.33B | 38.84B | 35.96B | 33.11B | 26.59B |
| Common Stock | 1.49B | 1.49B | 1.49B | 1.49B | 1.49B | 1.49B |
| Retained Earnings | -25.24B | -23.70B | -20.32B | -17.34B | -14.49B | -6.60B |
| Comprehensive Income & Other | 132.40M | 134.91M | 112.01M | 132.13M | 152.36M | 144.72M |
| Total Common Equity | -23.61B | -22.07B | -18.72B | -15.72B | -12.84B | -4.97B |
| Minority Interest | -57.15M | -55.80M | -44.69M | -41.81M | -35.37M | -12.71M |
| Shareholders' Equity | -23.67B | -22.13B | -18.76B | -15.76B | -12.88B | -4.98B |
| Total Liabilities & Equity | 20.17B | 20.20B | 20.07B | 20.20B | 20.23B | 21.61B |
| Total Debt | 10.39B | 10.39B | 9.80B | 9.48B | 8.70B | 8.32B |
| Net Cash (Debt) | -8.87B | -8.83B | -8.40B | -8.12B | -7.40B | -7.03B |
| Net Cash Per Share | -59.52 | -59.26 | -56.32 | -54.49 | -49.63 | -47.16 |
| Filing Date Shares Outstanding | 149.08M | 149.08M | 149.08M | 149.08M | 149.08M | 149.08M |
| Total Common Shares Outstanding | 149.08M | 149.08M | 149.08M | 149.08M | 149.08M | 149.08M |
| Working Capital | 6.53B | 7.43B | 8.03B | 8.76B | 10.00B | 11.96B |
| Book Value Per Share | -158.39 | -148.05 | -125.55 | -105.42 | -86.14 | -33.32 |
| Tangible Book Value | -23.62B | -22.08B | -18.73B | -15.73B | -12.86B | -4.97B |
| Tangible Book Value Per Share | -158.45 | -148.12 | -125.63 | -105.51 | -86.25 | -33.32 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -3.46B | -3.38B | -3.19B | -2.89B | -7.13B | -2.97B |
| Depreciation & Amortization | 14.56M | 15.01M | 18.04M | 19.15M | 19.34M | 32.04M |
| Other Amortization | 1.60M | 1.72M | ||||
| Provision for Credit Losses | 1.40B | 1.40B | 1.16B | 1.33B | 4.13B | 1.29B |
| Change in Income Taxes | -26.65M | -26.65M | -24.19M | -25.12M | -21.94M | -19.86M |
| Change in Other Net Operating Assets | 1.16B | 1.07B | 773.84M | 1.64B | 462.37M | 1.04B |
| Other Operating Activities | 701.19M | 733.27M | 1.07B | -621.26M | 1.71B | 518.84M |
| Operating Cash Flow | -205.65M | -182.32M | -180.13M | -543.32M | -830.14M | -107.40M |
| Capital Expenditures | -22.75K | -2.14M | -7.27M | -2.21M | ||
| Sale of Property, Plant & Equipment | 5.77M | 5.77M | 96.20M | |||
| Investment in Securities | -7.38M | 1.39M | 13.69M | 17.53M | -17.68M | 21.58M |
| Investing Cash Flow | -1.64M | 7.16M | 11.56M | 10.25M | 78.52M | 19.37M |
| Long-Term Debt Issued | 331.07M | 217.52M | 588.22M | 756.67M | 294.89M | |
| Net Debt Issued (Repaid) | 291.09M | 331.07M | 217.52M | 588.22M | 756.67M | 294.89M |
| Common Dividends Paid | -373.36K | |||||
| Financing Cash Flow | 291.09M | 331.07M | 217.52M | 588.22M | 756.30M | 294.89M |
| Net Cash Flow | 83.80M | 155.91M | 48.95M | 55.15M | 4.69M | 206.86M |
| Free Cash Flow | -205.68M | -182.32M | -182.26M | -550.60M | -830.14M | -109.61M |
| Free Cash Flow Per Share | -1.38 | -1.22 | -1.22 | -3.69 | -5.57 | -0.73 |
| Cash Interest Paid | 40.46M | 381.08M | 1.59B | 1.78B | 255.07M | |
| Cash Income Tax Paid | 55.93M | 26.65M | 24.19M | 25.12M | 21.94M | 16.13M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 372.69M | 101.37M | 447.23M | 805.02M | 864.65M | 1.04B |
| PS Ratio | -0.03 | -0.15 | -0.32 | -0.15 | -0.36 | |
| PB Ratio | -0.01 | -0.02 | -0.05 | -0.07 | -0.21 | |
| Debt / Equity Ratio | -0.44 | -0.47 | -0.52 | -0.60 | -0.68 | -1.67 |
| Net Debt / Equity Ratio | -0.38 | -0.40 | -0.45 | -0.52 | -0.57 | -1.41 |
| Net Debt / FCF Ratio | -43.14 | -48.45 | -46.06 | -14.75 | -8.91 | -64.14 |
| Quick Ratio | 1.51 | 1.56 | 1.65 | 1.76 | 1.98 | 2.26 |
| Current Ratio | 1.51 | 1.60 | 1.69 | 1.80 | 2.02 | 2.31 |
| Return on Assets (ROA) | -17.23% | -16.83% | -15.83% | -14.32% | -34.20% | -13.88% |
| Earnings Yield | -928.64% | -3,331.49% | -712.17% | -358.78% | -824.88% | -284.80% |
| FCF Yield | -55.19% | -179.85% | -40.75% | -68.39% | -96.01% | -10.50% |