DSE : PEOPLESINS
Peoples Insurance PLC — Financial statements
Insurance Carriers · Bangladesh
Last price 58 BDT (At close: Oct 29, 2026) · Market cap 2.68B
Latest research: Peoples Insurance financial analysis: 2025 profit up 48% with a Tk 112m fire-claim release (Oct 2026) · Peoples Insurance: underwriting profit doubled in 2025 on a fire-claim release, and 2026 shows no commission and lower premium
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Premiums & Annuity Revenue | 400.54M | 470.93M | 495.08M | 436.76M | 436.93M | 323.09M |
| Total Interest & Dividend Income | 238.12M | 169.12M | 148.19M | 144.30M | 132.67M | 152.38M |
| Gain (Loss) on Sale of Investments | -2.51M | -2.51M | -10.92M | 516.20K | 487.45K | 1.14M |
| Other Revenue | 70.09M | 75.65M | 69.59M | 65.19M | 65.84M | 49.43M |
| Total Revenue | 706.24M | 713.19M | 701.95M | 646.76M | 635.93M | 526.04M |
| Policy Benefits | -34.09M | -13.11M | 112.51M | 65.74M | 104.28M | 38.90M |
| Policy Acquisition & Underwriting Costs | 57.44M | 110.32M | 104.21M | 93.42M | 92.46M | 35.69M |
| Depreciation & Amortization | 31.84M | 31.84M | 23.01M | 20.73M | 21.05M | 20.83M |
| Selling, General & Administrative | 229.40M | 271.24M | 263.55M | 257.37M | 245.15M | 218.34M |
| Total Operating Expenses | 284.60M | 400.30M | 503.28M | 437.26M | 462.94M | 313.77M |
| Operating Income | 421.64M | 312.89M | 198.67M | 209.49M | 172.99M | 212.27M |
| EBT Excluding Unusual Items | 421.64M | 312.89M | 198.67M | 209.49M | 172.99M | 212.27M |
| Gain (Loss) on Sale of Assets | -164.73K | -164.73K | 5.86K | -263.88K | ||
| Pretax Income | 421.48M | 312.72M | 198.68M | 209.23M | 172.99M | 212.27M |
| Income Tax Expense | 161.12M | 118.94M | 67.54M | 90.28M | 52.23M | 93.19M |
| Net Income | 260.36M | 193.78M | 131.13M | 118.95M | 120.76M | 119.08M |
| Net Income to Common | 260.36M | 193.78M | 131.13M | 118.95M | 120.76M | 119.08M |
| Shares Outstanding (Basic) | 46.20M | 46.20M | 46.20M | 46.20M | 46.20M | 46.20M |
| Shares Outstanding (Diluted) | 46.20M | 46.20M | 46.20M | 46.20M | 46.20M | 46.20M |
| EPS (Basic) | 5.64 | 4.19 | 2.84 | 2.57 | 2.61 | 2.58 |
| EPS (Diluted) | 5.64 | 4.19 | 2.84 | 2.57 | 2.61 | 2.58 |
| Free Cash Flow | 214.75M | 184.90M | 94.59M | 64.90M | 153.49M | 189.35M |
| Free Cash Flow Per Share | 4.65 | 4.00 | 2.05 | 1.41 | 3.32 | 4.10 |
| Dividend Per Share | 1.05 | 1.05 | 1.05 | 1.00 | 1.05 | 1.25 |
| Operating Margin | 59.70% | 43.87% | 28.30% | 32.39% | 27.20% | 40.35% |
| Profit Margin | 36.86% | 27.17% | 18.68% | 18.39% | 18.99% | 22.64% |
| Free Cash Flow Margin | 30.41% | 25.93% | 13.48% | 10.03% | 24.14% | 36.00% |
| EBITDA | 448.48M | 338.95M | 221.68M | 230.23M | 194.04M | 233.10M |
| EBITDA Margin | 63.50% | 47.53% | 31.58% | 35.60% | 30.51% | 44.31% |
| D&A For EBITDA | 26.84M | 26.07M | 23.01M | 20.73M | 21.05M | 20.83M |
| EBIT | 421.64M | 312.89M | 198.67M | 209.49M | 172.99M | 212.27M |
| EBIT Margin | 59.70% | 43.87% | 28.30% | 32.39% | 27.20% | 40.35% |
| Effective Tax Rate | 38.23% | 38.04% | 34.00% | 43.15% | 30.19% | 43.90% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Investments in Debt Securities | 190.10M | 167.60M | 97.60M | 87.60M | 10.00M | |
| Investments in Equity & Preferred Securities | 48.22M | 71.96M | 72.49M | 73.66M | 59.69M | |
| Total Investments | 309.92M | 238.32M | 239.56M | 170.09M | 161.26M | 69.69M |
| Cash & Equivalents | 1.64B | 1.62B | 1.50B | 1.52B | 1.52B | 1.51B |
| Reinsurance Recoverable | 19.16M | 10.40M | 19.27M | 11.00M | 11.80M | |
| Other Receivables | 729.95M | 29.57M | 26.87M | 8.92M | 9.46M | 9.48M |
| Property, Plant & Equipment | 602.54M | 560.39M | 527.92M | 476.54M | 444.18M | 461.48M |
| Other Current Assets | 1.47M | 700.78M | 663.53M | 630.57M | 570.79M | 527.24M |
| Other Long-Term Assets | 25.00M | 25.00M | 25.00M | 25.00M | 25.00M | |
| Total Assets | 3.28B | 3.19B | 3.00B | 2.85B | 2.74B | 2.62B |
| Accrued Expenses | 14.13M | 26.00M | 10.69M | 9.95M | 9.68M | |
| Insurance & Annuity Liabilities | 157.26M | 212.98M | 223.42M | 196.93M | 196.91M | 145.35M |
| Unpaid Claims | 275.32M | 326.59M | 302.65M | 295.78M | 297.79M | |
| Unearned Premiums | 22.15M | 44.10M | 20.76M | 13.41M | 11.54M | 13.14M |
| Reinsurance Payable | 10.51M | 24.09M | 115.25M | 150.89M | 178.71M | |
| Current Income Taxes Payable | 720.00M | 609.66M | 546.92M | 457.93M | 406.03M | |
| Long-Term Leases | 6.29M | 5.63M | 8.61M | 9.19M | 13.16M | |
| Long-Term Deferred Tax Liabilities | 78.02M | 69.58M | 68.28M | 67.01M | 66.31M | |
| Other Current Liabilities | 2.97M | 7.55M | 6.87M | 6.05M | 10.97M | 10.86M |
| Other Long-Term Liabilities | 1.21B | 1.82M | 23.62M | 11.52M | 11.32M | 8.49M |
| Total Liabilities | 1.39B | 1.44B | 1.39B | 1.33B | 1.29B | 1.23B |
| Common Stock | 462.00M | 462.00M | 462.00M | 462.00M | 462.00M | 462.00M |
| Additional Paid-In Capital | 200.00M | 200.00M | 200.00M | 200.00M | 200.00M | 200.00M |
| Retained Earnings | 1.23B | 1.09B | 946.09M | 861.16M | 790.72M | 727.71M |
| Shareholders' Equity | 1.89B | 1.75B | 1.61B | 1.52B | 1.45B | 1.39B |
| Total Liabilities & Equity | 3.28B | 3.19B | 3.00B | 2.85B | 2.74B | 2.62B |
| Filing Date Shares Outstanding | 46.20M | 46.20M | 46.20M | 46.20M | 46.20M | 46.20M |
| Total Common Shares Outstanding | 46.20M | 46.20M | 46.20M | 46.20M | 46.20M | 46.20M |
| Total Debt | 6.29M | 5.63M | 8.61M | 9.19M | 13.16M | |
| Net Cash (Debt) | 1.64B | 1.61B | 1.50B | 1.52B | 1.51B | 1.50B |
| Net Cash Per Share | 35.47 | 34.87 | 32.41 | 32.81 | 32.63 | 32.45 |
| Book Value Per Share | 40.88 | 37.95 | 34.81 | 32.97 | 31.44 | 30.08 |
| Tangible Book Value | 1.89B | 1.75B | 1.61B | 1.52B | 1.45B | 1.39B |
| Tangible Book Value Per Share | 40.88 | 37.95 | 34.81 | 32.97 | 31.44 | 30.08 |
| Land | 84.28M | 80.64M | 74.15M | 61.44M | 61.10M | |
| Buildings | 481.84M | 458.66M | 414.45M | 392.82M | 392.60M | |
| Machinery | 365.00M | 359.20M | 343.04M | 323.81M | 316.65M |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 260.36M | 193.78M | 131.13M | 118.95M | 120.76M | 119.08M |
| Depreciation & Amortization | 32.61M | 31.84M | 23.37M | 28.15M | 28.57M | 28.43M |
| Change in Other Net Operating Assets | 1.96M | 22.34M | 14.84M | -21.12M | 19.40M | 75.44M |
| Other Operating Activities | -5.77M | -5.77M | -357.57K | -7.42M | -7.52M | -7.59M |
| Operating Cash Flow | 289.15M | 242.18M | 168.98M | 118.56M | 161.21M | 215.36M |
| Capital Expenditures | -74.39M | -57.28M | -74.39M | -53.67M | -7.72M | -26.00M |
| Investment in Securities | -69.10M | -22.50M | -69.47M | -8.83M | -91.57M | -11.12M |
| Other Investing Activities | 1.00 | |||||
| Investing Cash Flow | -143.49M | -79.78M | -143.86M | -62.49M | -99.29M | -37.12M |
| Common Dividends Paid | -48.51M | -48.51M | -46.20M | -48.51M | -57.75M | -50.82M |
| Financing Cash Flow | -48.51M | -48.51M | -46.20M | -48.51M | -57.75M | -50.82M |
| Miscellaneous Cash Flow Adjustments | -1.00 | 1.00 | ||||
| Net Cash Flow | 97.14M | 113.89M | -21.08M | 7.56M | 4.17M | 127.41M |
| Free Cash Flow | 214.75M | 184.90M | 94.59M | 64.90M | 153.49M | 189.35M |
| Free Cash Flow Margin | 30.41% | 25.93% | 13.48% | 10.03% | 24.14% | 36.00% |
| Free Cash Flow Per Share | 4.65 | 4.00 | 2.05 | 1.41 | 3.32 | 4.10 |
| Levered Free Cash Flow | 208.51M | 179.05M | 50.09M | 95.83M | 107.09M | 216.28M |
| Unlevered Free Cash Flow | 208.51M | 179.05M | 50.09M | 95.83M | 107.09M | 216.28M |
| Cash Income Tax Paid | 67.14M | 68.87M | 46.13M | 54.08M | 63.02M | 57.95M |
| Change in Working Capital | 1.96M | 22.34M | 14.84M | -21.12M | 19.40M | 75.44M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 2.68B | 1.66B | 1.43B | 1.64B | 1.68B | 2.79B |
| Enterprise Value | 1.04B | 139.81M | -43.34M | 213.97M | 184.70M | 1.38B |
| PE Ratio | 10.29 | 8.56 | 10.89 | 13.83 | 13.93 | 23.43 |
| PS Ratio | 3.79 | 2.33 | 2.03 | 2.54 | 2.64 | 5.30 |
| PB Ratio | 1.42 | 0.95 | 0.89 | 1.08 | 1.16 | 2.01 |
| P/FCF Ratio | 12.48 | 8.97 | 15.09 | 25.34 | 10.96 | 14.74 |
| P/OCF Ratio | 9.27 | 6.85 | 8.45 | 13.87 | 10.43 | 12.96 |
| EV/Sales Ratio | 1.47 | 0.20 | 0.33 | 0.29 | 2.62 | |
| EV/EBITDA Ratio | 2.29 | 0.41 | 0.93 | 0.95 | 5.91 | |
| EV/EBIT Ratio | 2.47 | 0.45 | 1.02 | 1.07 | 6.49 | |
| EV/FCF Ratio | 4.85 | 0.76 | 3.30 | 1.20 | 7.27 | |
| Debt / Equity Ratio | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | |
| Debt / EBITDA Ratio | 0.02 | 0.03 | 0.04 | 0.05 | 0.05 | |
| Debt / FCF Ratio | 0.03 | 0.06 | 0.13 | 0.06 | 0.07 | |
| Net Debt / Equity Ratio | -0.87 | -0.92 | -0.93 | -0.99 | -1.04 | -1.08 |
| Net Debt / EBITDA Ratio | -3.65 | -4.75 | -6.75 | -6.58 | -7.77 | -6.43 |
| Net Debt / FCF Ratio | -7.63 | -8.71 | -15.83 | -23.36 | -9.82 | -7.92 |
| Quick Ratio | 94.28 | 1.54 | 1.51 | 1.54 | 1.63 | 1.66 |
| Current Ratio | 94.33 | 2.21 | 2.17 | 2.19 | 2.25 | 2.25 |
| Asset Turnover | 0.22 | 0.23 | 0.24 | 0.23 | 0.24 | 0.20 |
| Return on Equity (ROE) | 14.60% | 11.53% | 8.38% | 7.99% | 8.50% | 8.79% |
| Return on Assets (ROA) | 8.29% | 6.32% | 4.24% | 4.68% | 4.04% | 5.15% |
| Return on Invested Capital (ROIC) | 14.07% | 11.49% | 8.34% | 7.96% | 8.43% | 8.71% |
| Earnings Yield | 9.72% | 11.68% | 9.19% | 7.23% | 7.18% | 4.27% |
| FCF Yield | 8.01% | 11.15% | 6.63% | 3.95% | 9.13% | 6.79% |
| Dividend Yield | 1.81% | 2.93% | 3.40% | 2.81% | 2.89% | 2.07% |
| Payout Ratio | 18.63% | 25.03% | 35.23% | 40.78% | 47.82% | 42.68% |
| Total Shareholder Return | 1.81% | 2.93% | 3.40% | 2.81% | 2.89% | 2.07% |