DSE : PARAMOUNT
Paramount Insurance PLC. — Financial statements
Insurance Carriers · Bangladesh
Last price 61.7 BDT (At close: Oct 29, 2026) · Market cap 2.51B
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Premiums & Annuity Revenue | 349.05M | 346.31M | 335.90M | 293.24M | 280.04M | 297.05M |
| Total Interest & Dividend Income | 63.54M | 68.89M | 49.04M | 30.55M | 26.84M | 25.33M |
| Gain (Loss) on Sale of Investments | -2.58M | -3.36M | 18.28M | -2.17M | -897.16K | 24.78M |
| Other Revenue | 29.43M | 27.77M | 39.75M | 28.31M | 35.30M | 35.40M |
| Total Revenue | 439.54M | 439.71M | 443.77M | 349.94M | 341.29M | 382.56M |
| Policy Benefits | 74.28M | 134.42M | 160.83M | 107.24M | 111.05M | 62.35M |
| Policy Acquisition & Underwriting Costs | 4.72M | 3.88M | 9.16M | |||
| Depreciation & Amortization | 16.35M | 16.35M | 5.99M | 5.15M | 5.62M | 4.98M |
| Selling, General & Administrative | 183.01M | 169.12M | 154.32M | 137.15M | 122.39M | 128.68M |
| Other Operating Expenses | 432.68K | 432.68K | 504.73K | 615.87K | 278.17K | 311.87K |
| Reinsurance Income or Expense | -24.13K | -10.43K | -31.31K | -52.30K | ||
| Total Operating Expenses | 274.07M | 320.32M | 328.39M | 255.04M | 240.37M | 206.53M |
| Operating Income | 165.47M | 119.39M | 115.38M | 94.90M | 100.92M | 176.02M |
| Other Non Operating Income (Expenses) | -542.55K | -542.55K | -481.74K | -508.44K | -564.40K | -544.35K |
| EBT Excluding Unusual Items | 164.93M | 118.85M | 114.90M | 94.39M | 100.35M | 175.48M |
| Gain (Loss) on Sale of Assets | 225.13K | 220.65K | ||||
| Pretax Income | 165.15M | 118.85M | 114.90M | 94.39M | 100.58M | 175.48M |
| Income Tax Expense | 51.22M | 29.65M | 24.32M | 23.90M | 24.54M | 52.41M |
| Net Income | 113.93M | 89.20M | 90.57M | 70.49M | 76.03M | 123.07M |
| Net Income to Common | 113.93M | 89.20M | 90.57M | 70.49M | 76.03M | 123.07M |
| Shares Outstanding (Basic) | 40.66M | 40.66M | 40.66M | 40.66M | 40.66M | 40.66M |
| Shares Outstanding (Diluted) | 40.66M | 40.66M | 40.66M | 40.66M | 40.66M | 40.66M |
| EPS (Basic) | 2.80 | 2.19 | 2.23 | 1.73 | 1.87 | 3.03 |
| EPS (Diluted) | 2.80 | 2.19 | 2.23 | 1.73 | 1.87 | 3.03 |
| Free Cash Flow | 98.90M | 27.87M | 77.67M | 59.84M | -26.83M | -148.95M |
| Free Cash Flow Per Share | 2.43 | 0.69 | 1.91 | 1.47 | -0.66 | -3.66 |
| Dividend Per Share | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Operating Margin | 37.65% | 27.15% | 26.00% | 27.12% | 29.57% | 46.01% |
| Profit Margin | 25.92% | 20.29% | 20.41% | 20.14% | 22.28% | 32.17% |
| Free Cash Flow Margin | 22.50% | 6.34% | 17.50% | 17.10% | -7.86% | -38.94% |
| EBITDA | 172.75M | 124.80M | 121.37M | 100.05M | 106.54M | 181.00M |
| EBITDA Margin | 39.30% | 28.38% | 27.35% | 28.59% | 31.22% | 47.32% |
| D&A For EBITDA | 7.27M | 5.41M | 5.99M | 5.15M | 5.62M | 4.98M |
| EBIT | 165.47M | 119.39M | 115.38M | 94.90M | 100.92M | 176.02M |
| EBIT Margin | 37.65% | 27.15% | 26.00% | 27.12% | 29.57% | 46.01% |
| Effective Tax Rate | 31.02% | 24.95% | 21.17% | 25.32% | 24.40% | 29.87% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Investments in Equity & Preferred Securities | 97.95M | 90.97M | 105.70M | 88.96M | 80.54M | 104.71M |
| Total Investments | 97.95M | 90.97M | 105.70M | 88.96M | 80.54M | 104.71M |
| Cash & Equivalents | 671.06M | 612.87M | 621.19M | 601.17M | 452.91M | 484.77M |
| Reinsurance Recoverable | 39.11M | 32.40M | 152.35M | 142.48M | 130.78M | 117.83M |
| Other Receivables | 100.25M | 55.66M | 44.19M | 47.15M | 33.06M | 38.79M |
| Property, Plant & Equipment | 786.97M | 777.58M | 736.58M | 703.75M | 704.06M | 677.24M |
| Other Intangible Assets | 1.41M | 1.56M | 1.15M | 1.43M | 761.90K | 952.37K |
| Other Current Assets | 110.74M | 84.77M | 80.76M | 87.13M | 214.48M | 121.68M |
| Other Long-Term Assets | 157.50M | 137.50M | 77.50M | 25.00M | 25.00M | 25.00M |
| Total Assets | 1.96B | 1.79B | 1.82B | 1.70B | 1.64B | 1.57B |
| Accrued Expenses | 23.66M | 17.44M | 14.82M | 26.56M | 29.85M | |
| Insurance & Annuity Liabilities | 133.26M | 138.78M | 150.48M | 119.69M | 112.31M | 119.09M |
| Unpaid Claims | 204.24M | 130.63M | 79.91M | 74.03M | 20.96M | |
| Unearned Premiums | 196.92M | 87.84M | 89.43M | 87.81M | 65.09M | 79.37M |
| Reinsurance Payable | 72.61M | 209.82M | 204.48M | 202.10M | 161.97M | |
| Current Income Taxes Payable | 113.70M | 68.36M | 61.37M | 61.14M | 63.27M | 83.66M |
| Long-Term Leases | 4.68M | 5.51M | ||||
| Long-Term Deferred Tax Liabilities | 43.05M | 40.83M | 43.44M | 44.40M | 45.54M | 48.16M |
| Other Current Liabilities | 259.02M | 2.85M | 4.43M | 2.72M | 1.85M | 489.06K |
| Other Long-Term Liabilities | -1.00 | -1.00 | -1.00 | |||
| Total Liabilities | 750.62M | 648.31M | 711.06M | 617.15M | 592.00M | 544.12M |
| Common Stock | 406.65M | 406.65M | 406.65M | 406.65M | 406.65M | 406.65M |
| Retained Earnings | 575.26M | 526.77M | 478.67M | 428.76M | 398.94M | 366.77M |
| Comprehensive Income & Other | 232.46M | 211.57M | 223.04M | 244.50M | 244.01M | 253.43M |
| Shareholders' Equity | 1.21B | 1.14B | 1.11B | 1.08B | 1.05B | 1.03B |
| Total Liabilities & Equity | 1.96B | 1.79B | 1.82B | 1.70B | 1.64B | 1.57B |
| Filing Date Shares Outstanding | 40.66M | 40.66M | 40.66M | 40.66M | 40.66M | 40.66M |
| Total Common Shares Outstanding | 40.66M | 40.66M | 40.66M | 40.66M | 40.66M | 40.66M |
| Total Debt | 4.68M | 5.51M | ||||
| Net Cash (Debt) | 666.37M | 607.36M | 621.19M | 601.17M | 452.91M | 484.77M |
| Net Cash Per Share | 16.39 | 14.94 | 15.28 | 14.78 | 11.14 | 11.92 |
| Book Value Per Share | 29.86 | 28.16 | 27.26 | 26.56 | 25.81 | 25.25 |
| Tangible Book Value | 1.21B | 1.14B | 1.11B | 1.08B | 1.05B | 1.03B |
| Tangible Book Value Per Share | 29.83 | 28.12 | 27.23 | 26.52 | 25.79 | 25.23 |
| Land | 598.25M | 598.25M | 598.25M | 598.25M | 598.25M | |
| Machinery | 70.87M | 65.53M | 61.22M | 59.49M | 57.34M | |
| Construction In Progress | 147.09M | 111.76M | 84.51M | 81.77M | 54.33M |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 113.93M | 89.20M | 90.57M | 70.49M | 76.03M | 123.07M |
| Depreciation & Amortization | 17.94M | 16.07M | 5.99M | 5.15M | 5.62M | 4.98M |
| Other Amortization | 277.55K | 277.55K | ||||
| Change in Accounts Receivable | -62.81M | -3.96M | 789.08K | -5.28M | 14.42M | -24.30M |
| Change in Insurance Reserves / Liabilities | 15.85M | 73.61M | 50.72M | 5.88M | 53.07M | -507.24K |
| Change in Other Net Operating Assets | -46.81M | -65.89M | 13.98M | -9.14M | -19.07M | 65.06M |
| Other Operating Activities | -10.51M | -36.42M | -43.81M | -4.49M | -1.62M | 2.30M |
| Operating Cash Flow | 133.85M | 72.89M | 118.24M | 62.62M | 128.45M | 170.60M |
| Capital Expenditures | -34.95M | -45.02M | -40.57M | -2.77M | -155.29M | -319.55M |
| Sale of Property, Plant & Equipment | 2.96M | 1.65M | 2.04M | 3.03M | ||
| Investment in Securities | -41.07M | -60.10M | -72.42M | -10.09M | 13.84M | 118.57M |
| Other Investing Activities | 63.79M | 63.16M | 52.88M | 139.01M | 18.06M | 31.18M |
| Investing Cash Flow | -9.26M | -40.31M | -58.07M | 126.15M | -120.35M | -169.80M |
| Common Dividends Paid | -40.91M | -40.90M | -40.66M | -40.66M | -40.66M | |
| Other Financing Activities | -1.09M | 524.77K | 155.69K | 707.74K | 287.46K | |
| Financing Cash Flow | -42.00M | -40.90M | -40.14M | -40.51M | -39.96M | 287.46K |
| Miscellaneous Cash Flow Adjustments | -2.00 | -1.00 | ||||
| Net Cash Flow | 82.59M | -8.32M | 20.02M | 148.25M | -31.85M | 1.08M |
| Free Cash Flow | 98.90M | 27.87M | 77.67M | 59.84M | -26.83M | -148.95M |
| Free Cash Flow Margin | 22.50% | 6.34% | 17.50% | 17.10% | -7.86% | -38.94% |
| Free Cash Flow Per Share | 2.43 | 0.69 | 1.91 | 1.47 | -0.66 | -3.66 |
| Levered Free Cash Flow | 155.79M | 96.87M | 99.22M | 181.23M | -130.00M | -148.11M |
| Unlevered Free Cash Flow | 155.79M | 96.87M | 99.22M | 181.23M | -130.00M | -148.11M |
| Cash Income Tax Paid | 36.77M | 30.06M | 24.78M | 30.12M | 38.99M | 54.66M |
| Change in Working Capital | 12.21M | 3.76M | 65.49M | -8.54M | 48.42M | 40.25M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 2.51B | 1.75B | 1.68B | 2.31B | 1.81B | 2.98B |
| Enterprise Value | 1.84B | 1.15B | 1.07B | 1.83B | 1.23B | 2.47B |
| PE Ratio | 22.02 | 19.65 | 18.50 | 32.77 | 23.80 | 24.22 |
| PS Ratio | 5.71 | 3.99 | 3.77 | 6.60 | 5.30 | 7.79 |
| PB Ratio | 2.07 | 1.53 | 1.51 | 2.14 | 1.72 | 2.90 |
| P/FCF Ratio | 25.37 | 62.89 | 21.57 | 38.60 | ||
| P/OCF Ratio | 18.75 | 24.05 | 14.17 | 36.89 | 14.09 | 17.47 |
| EV/Sales Ratio | 4.19 | 2.62 | 2.42 | 5.22 | 3.61 | 6.45 |
| EV/EBITDA Ratio | 10.05 | 9.23 | 8.83 | 18.27 | 11.56 | 13.64 |
| EV/EBIT Ratio | 11.14 | 9.65 | 9.29 | 19.26 | 12.20 | 14.02 |
| EV/FCF Ratio | 18.63 | 41.34 | 13.80 | 30.54 | ||
| Debt / Equity Ratio | 0.00 | 0.01 | ||||
| Debt / EBITDA Ratio | 0.03 | 0.04 | ||||
| Debt / FCF Ratio | 0.05 | 0.20 | ||||
| Net Debt / Equity Ratio | -0.55 | -0.53 | -0.56 | -0.56 | -0.43 | -0.47 |
| Net Debt / EBITDA Ratio | -3.86 | -4.87 | -5.12 | -6.01 | -4.25 | -2.68 |
| Net Debt / FCF Ratio | -6.74 | -21.79 | -8.00 | -10.05 | 16.88 | 3.25 |
| Quick Ratio | 1.31 | 1.39 | 1.25 | 1.38 | 1.08 | 1.37 |
| Current Ratio | 1.62 | 1.71 | 1.75 | 1.95 | 1.92 | 2.03 |
| Asset Turnover | 0.23 | 0.24 | 0.25 | 0.21 | 0.21 | 0.27 |
| Return on Equity (ROE) | 9.76% | 7.92% | 8.28% | 6.62% | 7.32% | 12.76% |
| Return on Assets (ROA) | 5.45% | 4.13% | 4.10% | 3.55% | 3.93% | 7.66% |
| Return on Invested Capital (ROIC) | 9.43% | 7.93% | 8.31% | 6.66% | 7.35% | 12.80% |
| Earnings Yield | 4.54% | 5.09% | 5.41% | 3.05% | 4.20% | 4.13% |
| FCF Yield | 3.94% | 1.59% | 4.64% | 2.59% | -1.48% | -5.00% |
| Dividend Yield | 1.62% | 2.32% | 2.43% | 1.76% | 2.25% | 1.36% |
| Payout Ratio | 35.90% | 45.85% | 44.90% | 57.69% | 53.49% | |
| Total Shareholder Return | 1.62% | 2.32% | 2.43% | 1.76% | 2.25% | 1.36% |