DSE : PHOENIXFIN
Phoenix Finance & Investments Limited — Financial statements
Miscellaneous business Credit Institutions · Bangladesh
Last price 3.6 BDT (At close: Oct 28, 2026) · Market cap 597.15M
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest and Dividend Income | 718.72M | 497.44M | 497.25M | 496.35M | 2.12B | 3.02B |
| Total Interest Expense | 2.59B | 2.40B | 2.63B | 2.25B | 1.60B | 2.39B |
| Net Interest Income | -1.87B | -1.91B | -2.13B | -1.76B | 520.20M | 634.13M |
| Other Revenue | 41.40M | 42.13M | 41.11M | 51.11M | 48.84M | 56.53M |
| Revenue Before Loan Losses | -1.83B | -1.87B | -2.09B | -1.70B | 569.04M | 690.66M |
| Provision for Loan Losses | -187.63M | 1.28B | 5.71B | 5.04B | 1.60B | 629.35M |
| Revenue | -1.64B | -3.14B | -7.80B | -6.75B | -1.03B | 61.31M |
| Salaries & Employee Benefits | 179.02M | 163.33M | 190.84M | 191.01M | 204.84M | 227.63M |
| Cost of Services Provided | 44.93M | 42.89M | 34.39M | 46.65M | 51.50M | 51.40M |
| Other Operating Expenses | 25.29M | 31.04M | 31.52M | 28.36M | 24.42M | 27.05M |
| Total Operating Expenses | 286.29M | 274.64M | 293.59M | 304.61M | 326.08M | 344.24M |
| Operating Income | -1.93B | -3.42B | -8.09B | -7.05B | -1.36B | -282.92M |
| EBT Excluding Unusual Items | -1.93B | -3.42B | -8.09B | -7.05B | -1.36B | -281.66M |
| Pretax Income | -1.93B | -3.42B | -8.09B | -7.05B | -1.36B | -279.62M |
| Income Tax Expense | -22.23M | -25.03M | -7.31M | 4.54M | 29.07M | 70.91M |
| Net Income | -1.91B | -3.39B | -8.08B | -7.05B | -1.39B | -350.53M |
| Net Income to Common | -1.91B | -3.39B | -8.08B | -7.05B | -1.39B | -350.53M |
| Shares Outstanding (Basic) | 165.87M | 165.87M | 165.87M | 165.87M | 165.87M | 165.87M |
| Shares Outstanding (Diluted) | 165.87M | 165.87M | 165.87M | 165.87M | 165.87M | 165.87M |
| EPS (Basic) | -11.50 | -20.45 | -48.73 | -42.52 | -8.36 | -2.11 |
| EPS (Diluted) | -11.50 | -20.45 | -48.73 | -42.52 | -8.36 | -2.11 |
| Free Cash Flow | 119.73M | 199.37M | 41.97M | -261.23M | -327.62M | -1.39B |
| Free Cash Flow Per Share | 0.72 | 1.20 | 0.25 | -1.57 | -1.98 | -8.38 |
| Operating Margin | -461.43% | |||||
| Profit Margin | -571.69% | |||||
| Free Cash Flow Margin | -2,266.36% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 536.30M | 608.24M | 490.44M | 753.77M | 976.50M | 1.19B |
| Long-Term Investments | 129.77M | 193.69M | 202.64M | 249.61M | 256.64M | 249.38M |
| Loans & Lease Receivables | 25.39B | 25.67B | 25.93B | 27.16B | 26.91B | 27.17B |
| Other Receivables | 63.63M | 11.12M | 15.83M | 22.76M | 15.01M | |
| Property, Plant & Equipment | 575.09M | 587.95M | 622.22M | 641.56M | 677.05M | 765.47M |
| Other Current Assets | 12.62M | 24.43M | 25.47M | 26.75M | 62.96M | |
| Long-Term Deferred Tax Assets | 140.79M | 108.08M | 86.52M | 76.90M | 84.05M | |
| Other Long-Term Assets | 378.32M | 99.52M | 194.99M | 194.99M | 186.95M | |
| Total Assets | 27.01B | 27.38B | 27.58B | 29.13B | 29.13B | 29.53B |
| Interest Bearing Deposits | 17.49B | 17.27B | 17.19B | 17.22B | 17.39B | 18.32B |
| Total Deposits | 17.49B | 17.27B | 17.19B | 17.22B | 17.39B | 18.32B |
| Accounts Payable | 13.47M | 18.88M | 12.40M | 3.61M | 14.08M | |
| Accrued Expenses | 3.44B | 2.57B | 1.83B | 1.62B | 1.52B | |
| Short-Term Debt | 519.88M | 511.22M | 525.35M | 559.95M | 404.98M | |
| Current Portion of Long-Term Debt | 663.12M | |||||
| Long-Term Debt | 3.80B | 3.31B | 3.40B | 3.69B | 3.62B | 2.99B |
| Current Income Taxes Payable | 305.61M | 315.52M | 301.27M | 317.15M | 323.03M | |
| Other Current Liabilities | 369.72M | 230.50M | 143.30M | 88.96M | 177.11M | |
| Pension & Post-Retirement Benefits | 5.46M | 1.51M | 1.07M | 2.35M | 32.76M | |
| Other Long-Term Liabilities | 23.85B | 19.15B | 16.96B | 10.93B | 4.01B | 2.18B |
| Total Liabilities | 45.14B | 44.38B | 41.19B | 34.65B | 27.60B | 26.62B |
| Common Stock | 1.66B | 1.66B | 1.66B | 1.66B | 1.66B | 1.66B |
| Additional Paid-In Capital | 87.41M | 87.41M | 87.41M | 87.41M | 87.41M | 87.41M |
| Retained Earnings | -20.39B | -19.24B | -15.87B | -7.81B | -774.22M | 584.79M |
| Comprehensive Income & Other | 502.05M | 502.05M | 521.23M | 540.41M | 559.59M | 578.77M |
| Shareholders' Equity | -18.14B | -17.00B | -13.60B | -5.52B | 1.53B | 2.91B |
| Total Liabilities & Equity | 27.01B | 27.38B | 27.58B | 29.13B | 29.13B | 29.53B |
| Total Debt | 3.80B | 3.83B | 3.91B | 4.22B | 4.18B | 4.06B |
| Net Cash (Debt) | -3.27B | -3.22B | -3.42B | -3.47B | -3.21B | -2.88B |
| Net Cash Per Share | -19.70 | -19.42 | -20.63 | -20.89 | -19.33 | -17.34 |
| Filing Date Shares Outstanding | 165.87M | 165.87M | 165.87M | 165.87M | 165.87M | 165.87M |
| Total Common Shares Outstanding | 165.87M | 165.87M | 165.87M | 165.87M | 165.87M | 165.87M |
| Working Capital | 8.44B | 4.44B | 5.63B | 7.94B | 7.96B | 7.01B |
| Book Value Per Share | -109.35 | -102.46 | -82.01 | -33.28 | 9.23 | 17.54 |
| Tangible Book Value | -18.14B | -17.00B | -13.60B | -5.52B | 1.53B | 2.91B |
| Tangible Book Value Per Share | -109.35 | -102.46 | -82.01 | -33.28 | 9.23 | 17.54 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -1.91B | -3.39B | -8.08B | -7.05B | -1.39B | -350.53M |
| Depreciation & Amortization | 28.51M | 37.38M | 36.85M | 38.59M | 45.32M | 38.16M |
| Provision for Credit Losses | 1.28B | 1.28B | 5.71B | 5.04B | 1.60B | 629.35M |
| Change in Income Taxes | -9.90M | -9.90M | 14.25M | -15.88M | -5.88M | -102.73M |
| Change in Other Net Operating Assets | 2.16B | 2.31B | 2.38B | 1.73B | -1.86B | -2.00B |
| Other Operating Activities | -1.39B | 7.68M | 14.25M | 14.16M | 1.41B | 370.64M |
| Operating Cash Flow | 126.97M | 202.47M | 45.98M | -258.13M | -188.47M | -1.37B |
| Capital Expenditures | -7.25M | -3.10M | -4.01M | -3.10M | -139.15M | -18.80M |
| Sale of Property, Plant & Equipment | 65.00K | 73.50K | 2.01M | 2.28M | 3.96M | 2.20M |
| Investment in Securities | 5.33M | -6.99M | 18.89M | |||
| Investing Cash Flow | -1.85M | -3.03M | -2.00M | -821.17K | -142.18M | 2.29M |
| Long-Term Debt Issued | 36.22M | 120.46M | 482.87M | |||
| Long-Term Debt Repaid | -81.63M | -307.32M | ||||
| Net Debt Issued (Repaid) | -67.57M | -81.63M | -307.32M | 36.22M | 120.46M | 482.87M |
| Financing Cash Flow | -67.57M | -81.63M | -307.32M | 36.22M | 120.46M | 482.87M |
| Net Cash Flow | 57.55M | 117.81M | -263.34M | -222.73M | -210.19M | -885.65M |
| Free Cash Flow | 119.73M | 199.37M | 41.97M | -261.23M | -327.62M | -1.39B |
| Free Cash Flow Margin | -2,266.36% | |||||
| Free Cash Flow Per Share | 0.72 | 1.20 | 0.25 | -1.57 | -1.98 | -8.38 |
| Cash Interest Paid | 1.64B | 1.54B | 1.89B | 2.05B | 1.50B | 2.30B |
| Cash Income Tax Paid | 6.99M | 6.99M | 7.18M | 10.41M | 55.59M | 117.71M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 563.97M | 431.27M | 530.80M | 2.70B | 2.70B | 3.89B |
| PS Ratio | -0.14 | -0.07 | -0.40 | -2.62 | 63.50 | |
| PB Ratio | -0.03 | -0.04 | -0.49 | 1.76 | 1.34 | |
| P/FCF Ratio | 4.71 | 2.16 | 12.65 | |||
| P/OCF Ratio | 4.44 | 2.13 | 11.54 | |||
| Debt / Equity Ratio | -0.21 | -0.23 | -0.29 | -0.76 | 2.73 | 1.40 |
| Debt / FCF Ratio | 31.77 | 19.21 | 93.20 | |||
| Net Debt / Equity Ratio | -0.18 | -0.19 | -0.25 | -0.63 | 2.09 | 0.99 |
| Net Debt / FCF Ratio | 27.29 | 16.16 | 81.52 | -13.27 | -9.79 | -2.07 |
| Quick Ratio | 1.48 | 1.20 | 1.27 | 1.40 | 1.40 | 1.32 |
| Current Ratio | 1.48 | 1.20 | 1.27 | 1.40 | 1.40 | 1.33 |
| Asset Turnover | 0.00 | |||||
| Return on Equity (ROE) | -62.42% | -11.36% | ||||
| Return on Assets (ROA) | -7.06% | -12.34% | -28.50% | -24.21% | -4.72% | -1.19% |
| Return on Invested Capital (ROIC) | -21.41% | -4.10% | ||||
| Earnings Yield | -338.33% | -786.64% | -1,522.67% | -260.83% | -51.27% | -9.00% |
| FCF Yield | 21.23% | 46.23% | 7.91% | -9.66% | -12.12% | -35.69% |
| Buyback Yield / Dilution | -0.01% | -5.66% | ||||
| Total Shareholder Return | -0.01% | -5.66% |