DSE : MEGHNALIFE
Meghna Life Insurance PLC — Financial statements
Life Insurance · Bangladesh
Last price 48.9 BDT (At close: Oct 29, 2026) · Market cap 2.07B
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Premiums & Annuity Revenue | 2.81B | 2.81B | 3.35B | 3.82B | 3.88B | 3.88B |
| Total Interest & Dividend Income | 731.90M | 731.90M | 727.42M | 685.18M | 826.52M | 900.19M |
| Gain (Loss) on Sale of Investments | 1.14M | 1.14M | -113.08M | -858.01K | 31.34M | 33.72M |
| Other Revenue | 33.18M | 33.18M | 18.81M | 20.98M | 508.87K | 33.33M |
| Total Revenue | 3.59B | 3.59B | 3.98B | 4.52B | 4.74B | 4.85B |
| Policy Benefits | 2.93B | 2.93B | 3.70B | 4.56B | 4.30B | 3.85B |
| Policy Acquisition & Underwriting Costs | 236.18M | 236.18M | 296.47M | 366.63M | 428.26M | 455.26M |
| Depreciation & Amortization | 29.59M | 29.59M | 31.15M | 29.33M | 29.75M | 31.37M |
| Selling, General & Administrative | 131.30M | 131.30M | 157.91M | 171.55M | 184.76M | 209.65M |
| Provision for Bad Debts | 4.01M | 4.01M | 2.50M | 6.22M | ||
| Other Operating Expenses | 4.91M | 4.91M | 6.46M | 26.14M | 9.14M | 13.12M |
| Total Operating Expenses | 3.66B | 3.66B | 4.52B | 5.51B | 5.37B | 4.96B |
| Operating Income | -73.06M | -73.06M | -538.02M | -991.57M | -629.68M | -112.05M |
| Interest Expense | -839.02K | -839.02K | -804.83K | -338.78K | -571.28K | -866.44K |
| Other Non Operating Income (Expenses) | -20.48M | -20.48M | -2.09M | 8.37M | 33.50M | 10.85M |
| EBT Excluding Unusual Items | -94.38M | -94.38M | -540.92M | -983.54M | -596.76M | -102.07M |
| Gain (Loss) on Sale of Investments | -42.65M | -42.65M | ||||
| Gain (Loss) on Sale of Assets | 13.20M | 9.74M | 2.58M | 2.26M | ||
| Pretax Income | -137.03M | -137.03M | -527.73M | -973.80M | -594.18M | -99.81M |
| Income Tax Expense | 201.84M | 201.84M | 200.17M | 209.60M | 165.55M | 115.10M |
| Earnings From Continuing Ops. | -338.88M | -338.88M | -727.90M | -1.18B | -759.73M | -214.90M |
| Minority Interest in Earnings | -167.74K | -167.74K | -267.14K | -128.15K | 176.13K | -126.16K |
| Net Income | -339.04M | -339.04M | -728.17M | -1.18B | -759.56M | -215.03M |
| Net Income to Common | -339.04M | -339.04M | -728.17M | -1.18B | -759.56M | -215.03M |
| Shares Outstanding (Basic) | 42.41M | 42.41M | 42.41M | 42.41M | 42.41M | 42.41M |
| Shares Outstanding (Diluted) | 42.41M | 42.41M | 42.41M | 42.41M | 42.41M | 42.41M |
| EPS (Basic) | -8.00 | -8.00 | -17.17 | -27.91 | -17.91 | -5.07 |
| EPS (Diluted) | -8.00 | -8.00 | -17.17 | -27.91 | -17.91 | -5.07 |
| Free Cash Flow | -224.60M | -224.60M | -602.56M | -1.87B | -644.50M | -100.08M |
| Free Cash Flow Per Share | -5.30 | -5.30 | -14.21 | -44.02 | -15.20 | -2.36 |
| Dividend Per Share | 1.50 | 1.50 | 2.00 | 1.36 | ||
| Operating Margin | -2.03% | -2.03% | -13.52% | -21.93% | -13.28% | -2.31% |
| Profit Margin | -9.44% | -9.44% | -18.29% | -26.17% | -16.02% | -4.44% |
| Free Cash Flow Margin | -6.25% | -6.25% | -15.14% | -41.28% | -13.59% | -2.06% |
| EBITDA | -43.48M | -43.48M | -512.22M | -964.30M | -603.10M | -80.69M |
| EBITDA Margin | -1.21% | -1.21% | -12.87% | -21.32% | -12.72% | -1.66% |
| D&A For EBITDA | 29.59M | 29.59M | 25.80M | 27.27M | 26.58M | 31.37M |
| EBIT | -73.06M | -73.06M | -538.02M | -991.57M | -629.68M | -112.05M |
| EBIT Margin | -2.03% | -2.03% | -13.52% | -21.93% | -13.28% | -2.31% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Investments in Debt Securities | 3.93B | 3.93B | 3.77B | 3.64B | 3.66B | 4.08B |
| Investments in Equity & Preferred Securities | 1.45B | 1.45B | 1.45B | 1.42B | 1.41B | 1.34B |
| Policy Loans | 69.15M | 69.15M | 70.08M | 61.06M | 55.47M | 48.88M |
| Other Investments | 240.15M | 240.15M | 240.15M | 240.15M | 396.55M | 240.15M |
| Total Investments | 6.85B | 6.85B | 6.67B | 6.46B | 6.61B | 6.78B |
| Cash & Equivalents | 4.82B | 4.82B | 5.32B | 6.27B | 8.12B | 8.57B |
| Reinsurance Recoverable | 499.50K | 499.50K | 499.50K | 499.50K | 499.50K | 499.50K |
| Other Receivables | 4.27B | 4.27B | 4.11B | 3.88B | 3.01B | 3.12B |
| Property, Plant & Equipment | 186.61M | 186.61M | 173.06M | 175.61M | 175.09M | 190.68M |
| Other Current Assets | 1.59B | 1.59B | 1.79B | 1.71B | 1.68B | 1.61B |
| Other Long-Term Assets | 28.45M | 28.45M | 33.89M | 30.03M | 33.69M | 30.92M |
| Total Assets | 17.75B | 17.75B | 18.09B | 18.52B | 19.63B | 20.31B |
| Accrued Expenses | 110.75M | 122.78M | 156.02M | 153.77M | ||
| Insurance & Annuity Liabilities | 15.69B | 15.69B | 16.03B | 16.75B | 17.92B | 18.70B |
| Unpaid Claims | 36.98M | 36.98M | 20.10M | 25.72M | 31.19M | 35.86M |
| Unearned Premiums | 3.56M | 3.56M | 1.55M | 2.94M | 4.18M | 1.59M |
| Reinsurance Payable | 6.99M | 6.99M | 2.17M | 5.32M | 6.55M | |
| Current Income Taxes Payable | 1.17B | 1.17B | 1.24B | 1.08B | 882.80M | 762.10M |
| Long-Term Debt | 620.02K | 474.64K | 357.93K | 91.37K | ||
| Long-Term Leases | 6.01M | 2.69M | 4.81M | 7.92M | ||
| Other Current Liabilities | 5.83M | 5.83M | 8.69M | 7.12M | 126.09M | 141.72M |
| Other Long-Term Liabilities | 406.98M | 406.98M | 251.06M | 92.39M | 70.16M | 110.77M |
| Total Liabilities | 17.32B | 17.32B | 17.67B | 18.09B | 19.21B | 19.92B |
| Common Stock | 424.05M | 424.05M | 424.05M | 424.05M | 385.50M | 385.50M |
| Comprehensive Income & Other | 1.46M | 1.46M | 1.46M | 1.46M | 38.55M | |
| Total Common Equity | 425.51M | 425.51M | 425.51M | 425.51M | 424.05M | 385.50M |
| Minority Interest | 3.03M | 3.03M | 3.20M | 3.47M | 3.74M | |
| Shareholders' Equity | 428.55M | 428.55M | 428.71M | 428.98M | 424.05M | 389.25M |
| Total Liabilities & Equity | 17.75B | 17.75B | 18.09B | 18.52B | 19.63B | 20.31B |
| Filing Date Shares Outstanding | 42.41M | 42.41M | 42.41M | 42.41M | 42.41M | 42.41M |
| Total Common Shares Outstanding | 42.41M | 42.41M | 42.41M | 42.41M | 42.41M | 42.41M |
| Total Debt | 6.63M | 3.16M | 5.17M | 8.01M | ||
| Net Cash (Debt) | 4.82B | 4.82B | 5.31B | 6.27B | 8.12B | 8.56B |
| Net Cash Per Share | 113.78 | 113.78 | 125.24 | 147.86 | 191.42 | 201.96 |
| Book Value Per Share | 10.03 | 10.03 | 10.03 | 10.03 | 10.00 | 9.09 |
| Tangible Book Value | 425.51M | 425.51M | 425.51M | 425.51M | 424.05M | 385.50M |
| Tangible Book Value Per Share | 10.03 | 10.03 | 10.03 | 10.03 | 10.00 | 9.09 |
| Machinery | 307.77M | 289.27M | 267.86M | 247.69M |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -339.04M | -339.04M | 20.88B | 22.51B | -759.56M | -215.03M |
| Depreciation & Amortization | 29.59M | 29.59M | 31.15M | 29.33M | 29.75M | 31.37M |
| Gain (Loss) on Sale of Assets | -2.58M | |||||
| Change in Accounts Receivable | 11.60M | |||||
| Change in Unearned Revenue | 2.58M | |||||
| Change in Income Taxes | -127.35M | |||||
| Change in Insurance Reserves / Liabilities | 1.88M | |||||
| Change in Other Net Operating Assets | 2.70M | |||||
| Other Operating Activities | 116.32M | 116.32M | -21.49B | -24.39B | 220.03M | 83.59M |
| Operating Cash Flow | -193.14M | -193.14M | -575.61M | -1.85B | -623.70M | -100.08M |
| Capital Expenditures | -31.46M | -31.46M | -26.95M | -13.30M | -20.80M | |
| Sale of Property, Plant & Equipment | 15.17M | 15.17M | 11.52M | 9.36M | 3.20M | 2.26M |
| Investment in Securities | -219.38M | -219.38M | -292.75M | 66.03M | 305.30M | -91.78M |
| Investing Cash Flow | -236.52M | -236.52M | -318.91M | 58.69M | 283.00M | -62.55M |
| Issuance of Common Stock | 50.28M | |||||
| Common Dividends Paid | -62.66M | -62.66M | -61.51M | -97.06M | -58.90M | -64.23M |
| Financing Cash Flow | -62.66M | -62.66M | -61.51M | -97.06M | -58.90M | -13.95M |
| Net Cash Flow | -492.32M | -492.32M | -956.02M | -1.89B | -399.60M | -176.57M |
| Free Cash Flow | -224.60M | -224.60M | -602.56M | -1.87B | -644.50M | -100.08M |
| Free Cash Flow Margin | -6.25% | -6.25% | -15.14% | -41.28% | -13.59% | -2.06% |
| Free Cash Flow Per Share | -5.30 | -5.30 | -14.21 | -44.02 | -15.20 | -2.36 |
| Levered Free Cash Flow | -167.94M | -167.94M | -502.00M | -1.54B | -151.87M | 32.70M |
| Unlevered Free Cash Flow | -167.41M | -167.41M | -501.49M | -1.54B | -151.52M | 33.24M |
| Cash Income Tax Paid | 159.34M | 134.33M | 127.35M | 119.73M | ||
| Change in Working Capital | -111.35M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 2.07B | 2.11B | 2.35B | 3.48B | 2.73B | 2.74B |
| Enterprise Value | -2.07B | -2.39B | -2.73B | -3.30B | -4.96B | -6.13B |
| PS Ratio | 0.58 | 0.59 | 0.59 | 0.77 | 0.57 | 0.57 |
| PB Ratio | 4.84 | 4.92 | 5.48 | 8.11 | 6.43 | 7.05 |
| Debt / Equity Ratio | 0.01 | 0.01 | 0.01 | 0.02 | ||
| Net Debt / Equity Ratio | -11.26 | -11.26 | -12.39 | -14.62 | -19.14 | -22.00 |
| Net Debt / EBITDA Ratio | 110.98 | 110.98 | 10.37 | 6.50 | 13.46 | 106.14 |
| Net Debt / FCF Ratio | 21.48 | 21.48 | 8.81 | 3.36 | 12.59 | 85.58 |
| Quick Ratio | 6.84 | 6.84 | 6.43 | 7.80 | 8.69 | 10.22 |
| Current Ratio | 8.72 | 8.72 | 8.09 | 9.55 | 10.55 | 12.15 |
| Asset Turnover | 0.20 | 0.20 | 0.22 | 0.24 | 0.24 | 0.24 |
| Return on Equity (ROE) | -79.06% | -79.06% | -169.73% | -277.46% | -186.83% | -58.99% |
| Return on Assets (ROA) | -0.26% | -0.26% | -1.84% | -3.25% | -1.97% | -0.34% |
| Return on Invested Capital (ROIC) | -17.05% | -16.91% | -124.04% | -230.23% | -152.38% | -30.42% |
| Earnings Yield | -16.35% | -16.09% | -31.00% | -34.04% | -27.86% | -7.83% |
| FCF Yield | -10.83% | -10.66% | -25.65% | -53.68% | -23.64% | -3.65% |
| Dividend Yield | 3.07% | 2.71% | 1.83% | 3.11% | 2.11% | |
| Buyback Yield / Dilution | 0.00% | |||||
| Total Shareholder Return | 3.07% | 2.71% | 1.83% | 3.11% | 2.11% |