DSE : JANATAINS
Janata Insurance PLC — Financial statements
Insurance Carriers · Bangladesh
Last price 32.6 BDT (At close: Oct 29, 2026) · Market cap 1.58B
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Premiums & Annuity Revenue | 452.25M | 445.91M | 413.87M | 404.84M | 333.16M | 212.47M |
| Total Interest & Dividend Income | 44.16M | 41.26M | 30.72M | 26.14M | 23.84M | 27.30M |
| Gain (Loss) on Sale of Investments | -3.46M | -3.46M | 61.74K | 61.26K | 6.09M | |
| Other Revenue | 23.20M | 22.49M | 40.36M | 25.71M | 25.60M | 31.34M |
| Total Revenue | 516.15M | 506.21M | 484.94M | 456.75M | 382.66M | 277.20M |
| Policy Benefits | 254.13M | 211.55M | 183.97M | 176.86M | 144.48M | 65.58M |
| Policy Acquisition & Underwriting Costs | 72.54M | 72.54M | 72.40M | 62.55M | 49.69M | 17.96M |
| Depreciation & Amortization | 7.05M | 7.05M | 8.01M | 8.92M | 7.38M | 7.10M |
| Selling, General & Administrative | 73.71M | 108.55M | 111.95M | 108.23M | 84.56M | 89.62M |
| Other Operating Expenses | 2.68M | 2.68M | 2.82M | 3.00M | 2.60M | 655.66K |
| Total Operating Expenses | 415.30M | 407.55M | 387.36M | 365.44M | 295.95M | 190.13M |
| Operating Income | 100.85M | 98.66M | 97.58M | 91.31M | 86.70M | 87.07M |
| Interest Expense | -325.50K | -325.50K | -634.07K | -513.26K | -3.09M | |
| Other Non Operating Income (Expenses) | -2.30M | -2.30M | -2.04M | -1.63M | -1.64M | -2.06M |
| EBT Excluding Unusual Items | 98.22M | 96.03M | 94.91M | 89.16M | 85.06M | 81.92M |
| Pretax Income | 98.22M | 96.03M | 94.91M | 89.16M | 85.06M | 81.92M |
| Income Tax Expense | 42.18M | 42.48M | 33.86M | 31.26M | 29.01M | 28.41M |
| Net Income | 56.04M | 53.54M | 61.04M | 57.90M | 56.05M | 53.51M |
| Net Income to Common | 56.04M | 53.54M | 61.04M | 57.90M | 56.05M | 53.51M |
| Shares Outstanding (Basic) | 48.48M | 48.48M | 48.48M | 48.48M | 48.48M | 48.48M |
| Shares Outstanding (Diluted) | 48.48M | 48.48M | 48.48M | 48.48M | 48.48M | 48.48M |
| EPS (Basic) | 1.16 | 1.10 | 1.26 | 1.19 | 1.16 | 1.10 |
| EPS (Diluted) | 1.16 | 1.10 | 1.26 | 1.19 | 1.16 | 1.10 |
| Free Cash Flow | 58.11M | 69.46M | 42.24M | 114.21M | 82.23M | 74.02M |
| Free Cash Flow Per Share | 1.20 | 1.43 | 0.87 | 2.36 | 1.70 | 1.53 |
| Dividend Per Share | 1.00 | 1.00 | 0.58 | 1.06 | 1.06 | 0.55 |
| Operating Margin | 19.54% | 19.49% | 20.12% | 19.99% | 22.66% | 31.41% |
| Profit Margin | 10.86% | 10.58% | 12.59% | 12.68% | 14.65% | 19.30% |
| Free Cash Flow Margin | 11.26% | 13.72% | 8.71% | 25.01% | 21.49% | 26.70% |
| EBITDA | 107.18M | 105.40M | 105.60M | 100.23M | 94.06M | 94.17M |
| EBITDA Margin | 20.77% | 20.82% | 21.77% | 21.94% | 24.58% | 33.97% |
| D&A For EBITDA | 6.33M | 6.74M | 8.01M | 8.92M | 7.36M | 7.10M |
| EBIT | 100.85M | 98.66M | 97.58M | 91.31M | 86.70M | 87.07M |
| EBIT Margin | 19.54% | 19.49% | 20.12% | 19.99% | 22.66% | 31.41% |
| Effective Tax Rate | 42.94% | 44.24% | 35.68% | 35.06% | 34.10% | 34.68% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Investments in Equity & Preferred Securities | 30.59M | 24.82M | 21.74M | 18.35M | 18.38M | 20.51M |
| Total Investments | 30.59M | 24.82M | 21.74M | 18.35M | 18.38M | 20.51M |
| Cash & Equivalents | 695.93M | 678.94M | 598.39M | 600.68M | 530.71M | 477.10M |
| Reinsurance Recoverable | 344.97M | 353.01M | 341.11M | 333.05M | 319.49M | 306.60M |
| Other Receivables | 84.55M | 31.69M | 51.55M | 11.36M | 9.35M | 7.79M |
| Property, Plant & Equipment | 124.71M | 127.48M | 221.88M | 138.46M | 134.93M | 140.07M |
| Other Intangible Assets | 310.66K | 1.24M | 2.31M | 396.17K | ||
| Other Current Assets | 240.96M | 291.60M | 320.79M | 302.31M | 263.78M | 200.67M |
| Other Long-Term Assets | 52.50M | 52.50M | 25.00M | 25.00M | 25.00M | 25.00M |
| Total Assets | 1.57B | 1.56B | 1.58B | 1.43B | 1.30B | 1.18B |
| Accrued Expenses | 26.12M | 21.48M | 4.64M | 2.02M | 7.68M | |
| Insurance & Annuity Liabilities | 184.42M | 185.08M | 165.58M | 164.44M | 135.94M | 85.05M |
| Unpaid Claims | 5.95M | 10.64M | 8.39M | 8.20M | 7.23M | 8.32M |
| Unearned Premiums | 21.83M | 15.92M | 24.84M | 2.43M | 831.77K | 3.37M |
| Reinsurance Payable | 126.10M | 162.83M | 163.26M | 195.73M | 156.46M | 124.55M |
| Current Income Taxes Payable | 322.90M | 313.94M | 304.14M | 267.65M | 233.22M | 204.61M |
| Long-Term Debt | 42.42M | 45.26M | 47.77M | 41.70M | 41.70M | |
| Long-Term Deferred Tax Liabilities | 6.88M | 6.05M | 4.60M | 2.77M | 2.38M | |
| Other Current Liabilities | 133.28M | 9.32M | 6.34M | 3.81M | 192.00K | 103.15K |
| Other Long-Term Liabilities | 7.00K | 87.86M | 107.00K | 207.00K | 7.00K | |
| Total Liabilities | 801.76M | 829.52M | 883.02M | 745.52M | 625.64M | 525.12M |
| Common Stock | 484.83M | 484.83M | 466.18M | 466.18M | 466.18M | 443.98M |
| Additional Paid-In Capital | 55.96M | 55.96M | 55.96M | 55.96M | 55.96M | 55.96M |
| Retained Earnings | 221.17M | 182.56M | 175.64M | 166.53M | 159.90M | 152.69M |
| Comprehensive Income & Other | 10.49M | 7.48M | -340.33K | -3.73M | -3.74M | 374.48K |
| Shareholders' Equity | 772.46M | 730.83M | 697.44M | 684.94M | 678.31M | 653.01M |
| Total Liabilities & Equity | 1.57B | 1.56B | 1.58B | 1.43B | 1.30B | 1.18B |
| Filing Date Shares Outstanding | 48.48M | 48.48M | 48.48M | 48.48M | 48.48M | 48.48M |
| Total Common Shares Outstanding | 48.48M | 48.48M | 48.48M | 48.48M | 48.48M | 48.48M |
| Total Debt | 42.42M | 45.26M | 47.77M | 41.70M | 41.70M | |
| Net Cash (Debt) | 695.93M | 636.52M | 553.13M | 552.92M | 489.01M | 435.40M |
| Net Cash Per Share | 14.35 | 13.13 | 11.41 | 11.40 | 10.09 | 8.98 |
| Book Value Per Share | 15.93 | 15.07 | 14.39 | 14.13 | 13.99 | 13.47 |
| Tangible Book Value | 772.46M | 730.52M | 697.44M | 683.70M | 676.00M | 652.61M |
| Tangible Book Value Per Share | 15.93 | 15.07 | 14.39 | 14.10 | 13.94 | 13.46 |
| Land | 56.65M | 56.65M | 56.65M | 56.65M | ||
| Buildings | 77.03M | 77.03M | 77.03M | 77.03M | ||
| Machinery | 70.43M | 68.14M | 60.37M | 58.82M |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 56.04M | 53.54M | 61.04M | 57.90M | 56.05M | 53.51M |
| Depreciation & Amortization | 9.82M | 6.74M | 8.01M | 8.92M | 7.36M | 7.10M |
| Other Amortization | 310.66K | 310.66K | ||||
| Gain (Loss) on Sale of Investments | 3.46M | 3.46M | -61.26K | -6.09M | ||
| Change in Accounts Receivable | -8.92M | -8.92M | -24.56M | -1.60M | -2.55M | -7.02M |
| Change in Insurance Reserves / Liabilities | 2.25M | 2.25M | -191.47K | -972.67K | -1.09M | 5.60M |
| Change in Other Net Operating Assets | 14.79M | 14.79M | 1.46M | 57.30M | 25.31M | 31.62M |
| Other Operating Activities | -21.92M | -1.91M | -794.57K | 3.65M | 1.62M | 1.26M |
| Operating Cash Flow | 55.85M | 70.28M | 44.58M | 125.61M | 86.39M | 85.28M |
| Capital Expenditures | 2.26M | -817.67K | -2.34M | -11.40M | -4.16M | -11.26M |
| Investment in Securities | -1.98M | -10.00M | ||||
| Other Investing Activities | 31.80M | 31.80M | 522.75K | 27.23M | ||
| Investing Cash Flow | 34.06M | 30.98M | -2.34M | -10.88M | -6.14M | 5.97M |
| Common Dividends Paid | -21.40M | -21.40M | -45.20M | -45.09M | -26.64M | -41.95M |
| Other Financing Activities | 1.07M | 682.13K | 665.62K | 325.31K | 73.34K | |
| Financing Cash Flow | -20.33M | -20.72M | -44.53M | -44.76M | -26.64M | -41.88M |
| Miscellaneous Cash Flow Adjustments | 1.00 | -1.00 | ||||
| Net Cash Flow | 69.59M | 80.54M | -2.29M | 69.97M | 53.61M | 49.38M |
| Free Cash Flow | 58.11M | 69.46M | 42.24M | 114.21M | 82.23M | 74.02M |
| Free Cash Flow Margin | 11.26% | 13.72% | 8.71% | 25.01% | 21.49% | 26.70% |
| Free Cash Flow Per Share | 1.20 | 1.43 | 0.87 | 2.36 | 1.70 | 1.53 |
| Levered Free Cash Flow | 124.01M | 115.17M | 45.51M | 82.69M | 31.14M | 79.83M |
| Unlevered Free Cash Flow | 124.21M | 115.38M | 45.91M | 83.01M | 31.14M | 81.76M |
| Cash Income Tax Paid | 14.06M | 14.95M | 17.84M | 18.80M | 26.55M | 48.28M |
| Change in Working Capital | 8.13M | 8.13M | -23.68M | 55.15M | 21.42M | 29.51M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.58B | 1.14B | 1.31B | 1.55B | 1.33B | 2.12B |
| Enterprise Value | 884.60M | 530.46M | 708.83M | 967.52M | 805.81M | 1.64B |
| PE Ratio | 28.20 | 21.28 | 21.54 | 26.81 | 23.79 | 39.58 |
| PS Ratio | 3.06 | 2.25 | 2.71 | 3.40 | 3.48 | 7.64 |
| PB Ratio | 2.05 | 1.56 | 1.89 | 2.27 | 1.97 | 3.24 |
| P/FCF Ratio | 27.20 | 16.40 | 31.12 | 13.59 | 16.21 | 28.61 |
| P/OCF Ratio | 28.30 | 16.21 | 29.49 | 12.36 | 15.43 | 24.83 |
| EV/Sales Ratio | 1.71 | 1.05 | 1.46 | 2.12 | 2.11 | 5.93 |
| EV/EBITDA Ratio | 8.25 | 5.03 | 6.71 | 9.65 | 8.57 | 17.45 |
| EV/EBIT Ratio | 8.77 | 5.38 | 7.26 | 10.60 | 9.29 | 18.88 |
| EV/FCF Ratio | 15.22 | 7.64 | 16.78 | 8.47 | 9.80 | 22.20 |
| Debt / Equity Ratio | 0.06 | 0.07 | 0.07 | 0.06 | 0.06 | |
| Debt / EBITDA Ratio | 0.40 | 0.43 | 0.48 | 0.44 | 0.44 | |
| Debt / FCF Ratio | 0.61 | 1.07 | 0.42 | 0.51 | 0.56 | |
| Net Debt / Equity Ratio | -0.90 | -0.87 | -0.79 | -0.81 | -0.72 | -0.67 |
| Net Debt / EBITDA Ratio | -6.49 | -6.04 | -5.24 | -5.52 | -5.20 | -4.62 |
| Net Debt / FCF Ratio | -11.97 | -9.16 | -13.10 | -4.84 | -5.95 | -5.88 |
| Quick Ratio | 1.21 | 1.26 | 1.19 | 1.25 | 1.33 | 1.37 |
| Current Ratio | 2.21 | 2.52 | 2.48 | 2.58 | 2.81 | 2.85 |
| Asset Turnover | 0.33 | 0.32 | 0.32 | 0.33 | 0.31 | 0.24 |
| Return on Equity (ROE) | 7.44% | 7.50% | 8.83% | 8.49% | 8.42% | 8.47% |
| Return on Assets (ROA) | 4.08% | 3.93% | 4.05% | 4.17% | 4.37% | 4.75% |
| Return on Invested Capital (ROIC) | 7.58% | 7.26% | 8.51% | 8.16% | 8.08% | 8.41% |
| Earnings Yield | 3.55% | 4.70% | 4.64% | 3.73% | 4.20% | 2.53% |
| FCF Yield | 3.68% | 6.10% | 3.21% | 7.36% | 6.17% | 3.50% |
| Dividend Yield | 3.07% | 4.25% | 2.13% | 3.30% | 3.85% | 1.26% |
| Payout Ratio | 38.19% | 39.97% | 74.04% | 77.86% | 47.52% | 78.40% |
| Buyback Yield / Dilution | 0.00% | |||||
| Total Shareholder Return | 3.07% | 4.25% | 2.13% | 3.30% | 3.85% | 1.26% |