DSE : PADMALIFE
Padma Islami Life Insurance Limited — Financial statements
Life Insurance · Bangladesh
Last price 14.9 BDT (At close: Oct 29, 2026) · Market cap 579.31M
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Premiums & Annuity Revenue | 186.29M | 147.53M | 145.24M | 211.13M | 316.32M | 363.03M |
| Total Interest & Dividend Income | 44.56M | 61.41M | 65.84M | 54.58M | 63.54M | 31.55M |
| Gain (Loss) on Sale of Investments | 338.88K | -404.04K | -78.48M | -26.59M | 4.26M | 105.53M |
| Other Revenue | 974.38K | 1.07M | 3.71M | 505.61K | 851.36K | 5.33M |
| Total Revenue | 232.16M | 209.61M | 136.31M | 239.62M | 384.97M | 505.44M |
| Policy Benefits | 310.54M | 328.61M | 392.53M | 251.18M | 526.66M | 337.18M |
| Policy Acquisition & Underwriting Costs | 93.56M | 59.22M | 27.48M | 45.16M | 82.87M | 46.65M |
| Depreciation & Amortization | 24.43M | 26.13M | 26.73M | 28.74M | 30.03M | 32.12M |
| Selling, General & Administrative | 18.79M | 16.96M | 25.82M | 31.24M | 32.66M | 36.03M |
| Other Operating Expenses | 1.03M | 827.03K | 1.22M | 5.79M | ||
| Total Operating Expenses | 495.47M | 482.98M | 521.83M | 408.32M | 744.76M | 512.09M |
| Operating Income | -263.30M | -273.38M | -385.53M | -168.70M | -359.78M | -6.65M |
| Other Non Operating Income (Expenses) | -711.16K | -660.62K | -603.28K | 289.75K | -964.88K | -1.30M |
| EBT Excluding Unusual Items | -264.02M | -274.04M | -386.13M | -168.41M | -360.75M | -7.95M |
| Gain (Loss) on Sale of Assets | 3.56M | 3.33M | 1.75M | 1.18M | ||
| Pretax Income | -260.68M | -274.04M | -382.57M | -165.08M | -359.00M | -6.77M |
| Net Income | -260.68M | -274.04M | -382.57M | -165.08M | -359.00M | -6.77M |
| Net Income to Common | -260.68M | -274.04M | -382.57M | -165.08M | -359.00M | -6.77M |
| Shares Outstanding (Basic) | 38.88M | 38.88M | 38.88M | 38.88M | 38.88M | |
| Shares Outstanding (Diluted) | 38.88M | 38.88M | 38.88M | 38.88M | 38.88M | |
| EPS (Basic) | -7.05 | -9.84 | -4.25 | -9.23 | -0.17 | |
| EPS (Diluted) | -7.05 | -9.84 | -4.25 | -9.23 | -0.17 | |
| Free Cash Flow | -23.47M | -50.35M | -141.46M | -386.79M | 376.60M | |
| Free Cash Flow Per Share | -0.60 | -1.29 | -3.64 | -9.95 | 9.69 | |
| Dividend Per Share | 0.40 | |||||
| Operating Margin | -113.41% | -130.42% | -282.84% | -70.40% | -93.46% | -1.31% |
| Profit Margin | -112.28% | -130.74% | -280.67% | -68.89% | -93.25% | -1.34% |
| Free Cash Flow Margin | -11.20% | -36.94% | -59.04% | -100.47% | 74.51% | |
| EBITDA | -238.93M | -247.30M | -358.80M | -139.96M | -330.05M | 25.47M |
| EBITDA Margin | -102.91% | -117.98% | -263.24% | -58.41% | -85.73% | 5.04% |
| D&A For EBITDA | 24.37M | 26.07M | 26.73M | 28.74M | 29.73M | 32.12M |
| EBIT | -263.30M | -273.38M | -385.53M | -168.70M | -359.78M | -6.65M |
| EBIT Margin | -113.41% | -130.42% | -282.84% | -70.40% | -93.46% | -1.31% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Investments in Debt Securities | 15.60M | 15.60M | 15.60M | 15.00M | 222.70M | |
| Investments in Equity & Preferred Securities | 58.84M | 74.37M | 163.28M | 154.88M | 231.01M | |
| Policy Loans | 223.17K | 223.17K | 223.17K | 223.17K | 255.66K | 342.44K |
| Other Investments | 106.29M | 50.00M | 71.00M | 71.00M | 76.00M | 91.00M |
| Total Investments | 106.52M | 124.66M | 161.19M | 250.10M | 246.14M | 545.06M |
| Cash & Equivalents | 194.11M | 82.21M | 62.68M | 89.75M | 180.98M | 356.92M |
| Other Receivables | 52.47M | 127.91M | 135.02M | 141.12M | 156.54M | 268.58M |
| Property, Plant & Equipment | 1.55B | 1.59B | 1.62B | 1.64B | 1.66B | 1.69B |
| Other Intangible Assets | 59.16K | 118.32K | 236.64K | 295.02K | 475.00K | |
| Other Current Assets | 450.04M | 153.61M | 147.35M | 140.91M | 139.05M | 126.27M |
| Other Long-Term Assets | 29.28M | 394.30M | 400.72M | 413.38M | 445.46M | 161.06M |
| Total Assets | 2.39B | 2.47B | 2.52B | 2.68B | 2.83B | 3.15B |
| Accrued Expenses | 43.42M | 64.67M | 64.50M | 65.79M | 59.83M | 52.17M |
| Insurance & Annuity Liabilities | -3.32B | -3.19B | -2.92B | -2.54B | -2.34B | 124.63M |
| Unpaid Claims | 2.76B | 2.71B | 2.48B | 2.26B | 2.26B | 364.26M |
| Unearned Premiums | 5.85M | 4.59M | ||||
| Reinsurance Payable | 177.50K | 144.39K | 323.03K | 345.06K | ||
| Current Income Taxes Payable | 15.51M | 15.51M | 15.51M | 15.51M | 15.51M | |
| Long-Term Debt | 1.54B | 1.54B | 1.54B | 1.54B | 1.49B | 1.24B |
| Other Current Liabilities | 29.16M | 28.35M | 28.73M | 29.87M | 30.45M | |
| Other Long-Term Liabilities | 969.40M | 896.23M | 904.74M | 901.96M | 901.02M | 898.85M |
| Total Liabilities | 2.00B | 2.08B | 2.13B | 2.29B | 2.44B | 2.76B |
| Common Stock | 388.80M | 388.80M | 388.80M | 388.80M | 388.80M | 388.80M |
| Shareholders' Equity | 388.80M | 388.80M | 388.80M | 388.80M | 388.80M | 388.80M |
| Total Liabilities & Equity | 2.39B | 2.47B | 2.52B | 2.68B | 2.83B | 3.15B |
| Filing Date Shares Outstanding | 38.88M | 38.88M | 38.88M | 38.88M | 38.88M | |
| Total Common Shares Outstanding | 38.88M | 38.88M | 38.88M | 38.88M | 38.88M | |
| Total Debt | 1.54B | 1.54B | 1.54B | 1.54B | 1.49B | 1.24B |
| Net Cash (Debt) | -1.35B | -1.46B | -1.48B | -1.45B | -1.31B | -883.08M |
| Net Cash Per Share | -37.49 | -38.00 | -37.30 | -33.67 | -22.71 | |
| Book Value Per Share | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | |
| Tangible Book Value | 388.80M | 388.74M | 388.68M | 388.56M | 388.50M | 388.32M |
| Tangible Book Value Per Share | 10.00 | 10.00 | 9.99 | 9.99 | 9.99 | |
| Land | 2.72B | 1.18B | 1.18B | 1.18B | 1.18B | |
| Buildings | 692.39M | 772.76M | 772.76M | 772.76M | 771.02M | |
| Machinery | 150.42M | 149.87M | 156.31M | 162.89M | 163.99M |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -274.04M | -382.57M | -165.08M | -359.00M | -6.77M | |
| Depreciation & Amortization | 26.07M | 26.73M | 28.74M | 32.12M | ||
| Other Amortization | 59.16K | |||||
| Other Operating Activities | 225.14M | 306.22M | 1.78M | -23.33M | 355.03M | |
| Operating Cash Flow | -22.77M | -49.63M | -134.57M | -382.33M | 380.38M | |
| Capital Expenditures | -703.02K | -715.40K | -6.90M | -4.46M | -3.78M | |
| Sale of Property, Plant & Equipment | 535.53K | 4.24M | 2.05M | 1.49M | ||
| Investment in Securities | 43.00M | 22.74M | -4.00M | 167.90M | -14.17M | |
| Other Investing Activities | 1.00 | |||||
| Investing Cash Flow | 42.29M | 22.56M | -6.66M | 165.49M | -16.46M | |
| Long-Term Debt Issued | 50.00M | 250.00M | ||||
| Net Debt Issued (Repaid) | 50.00M | 250.00M | ||||
| Common Dividends Paid | -7.78M | |||||
| Other Financing Activities | -321.61M | |||||
| Financing Cash Flow | 50.00M | 250.00M | -329.39M | |||
| Net Cash Flow | 19.52M | -27.07M | -91.22M | 33.16M | 34.53M | |
| Free Cash Flow | -23.47M | -50.35M | -141.46M | -386.79M | 376.60M | |
| Free Cash Flow Margin | -11.20% | -36.94% | -59.04% | -100.47% | 74.51% | |
| Free Cash Flow Per Share | -0.60 | -1.29 | -3.64 | -9.95 | 9.69 | |
| Levered Free Cash Flow | 92.40M | 6.10M | -65.56M | 1.77B | 74.52M | |
| Unlevered Free Cash Flow | 92.40M | 6.10M | -65.56M | 1.77B | 74.52M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 579.31M | 641.52M | 565.80M | 1.60B | 1.76B | 1.86B |
| Enterprise Value | 1.93B | 2.14B | 2.04B | 3.03B | 2.72B | 2.80B |
| PS Ratio | 2.50 | 3.06 | 4.15 | 6.68 | 4.57 | 3.69 |
| PB Ratio | 1.49 | 1.65 | 1.46 | 4.12 | 4.52 | 4.79 |
| P/FCF Ratio | 4.95 | |||||
| P/OCF Ratio | 4.90 | |||||
| EV/Sales Ratio | 8.29 | 10.19 | 14.96 | 12.63 | 7.08 | 5.54 |
| EV/EBITDA Ratio | 109.91 | |||||
| EV/FCF Ratio | 7.43 | |||||
| Debt / Equity Ratio | 3.96 | 3.96 | 3.96 | 3.96 | 3.83 | 3.19 |
| Debt / EBITDA Ratio | 48.68 | |||||
| Debt / FCF Ratio | 3.29 | |||||
| Net Debt / Equity Ratio | 3.46 | 3.75 | 3.80 | 3.73 | 3.37 | 2.27 |
| Net Debt / EBITDA Ratio | -5.63 | -5.89 | -4.12 | -10.36 | -3.97 | 34.67 |
| Net Debt / FCF Ratio | -62.11 | -29.34 | -10.25 | -3.38 | 2.35 | |
| Quick Ratio | 0.09 | 0.07 | 0.08 | 0.10 | 0.14 | 1.35 |
| Current Ratio | 0.25 | 0.13 | 0.13 | 0.16 | 0.20 | 1.62 |
| Asset Turnover | 0.10 | 0.08 | 0.05 | 0.09 | 0.13 | 0.19 |
| Return on Equity (ROE) | -67.05% | -70.48% | -98.40% | -42.46% | -92.34% | -1.74% |
| Return on Assets (ROA) | -6.79% | -6.84% | -9.27% | -3.83% | -7.52% | -0.15% |
| Return on Invested Capital (ROIC) | -13.65% | -14.17% | -19.99% | -8.86% | -20.51% | -0.41% |
| Earnings Yield | -45.00% | -42.72% | -67.62% | -10.31% | -20.43% | -0.36% |
| FCF Yield | -9.47% | -3.66% | -8.90% | -8.83% | -22.01% | 20.22% |
| Dividend Yield | 0.83% | |||||
| Total Shareholder Return | 0.83% |