DSE : PRAGATILIF
Pragati Life Insurance PLC — Financial statements
Life Insurance · Bangladesh
Last price 130 BDT (At close: Oct 29, 2026) · Market cap 5.12B
Latest research: Pragati Life Insurance financial analysis: life fund +18% in 2025, BDT 296m deposit provision gap (Oct 2026) · Pragati Life Insurance: premium up 13% a year for a decade, a life fund that finally jumped 18% in 2025, and BDT 296m of doubtful deposits not yet provided for
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Technical report: trend, RSI, support and resistance, charts
Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Premiums & Annuity Revenue | 7.30B | 6.58B | 5.74B | 5.36B | 4.79B | 3.85B |
| Total Interest & Dividend Income | 616.61M | 577.21M | 449.40M | 379.85M | 369.32M | 427.06M |
| Gain (Loss) on Sale of Investments | 17.42M | 17.42M | 41.60M | -638.28K | 4.22M | |
| Other Revenue | 547.37K | 521.06K | 1.17M | 515.16K | 1.20M | 441.87K |
| Total Revenue | 7.93B | 7.18B | 6.23B | 5.74B | 5.16B | 4.27B |
| Policy Benefits | 3.69B | 3.52B | 3.89B | 3.66B | 3.16B | 2.54B |
| Policy Acquisition & Underwriting Costs | 1.41B | 1.31B | 1.27B | 1.22B | 1.18B | 1.02B |
| Depreciation & Amortization | 87.56M | 65.70M | 20.19M | 19.28M | 16.72M | 14.96M |
| Selling, General & Administrative | 254.41M | 285.14M | 297.47M | 280.15M | 235.76M | 203.76M |
| Total Operating Expenses | 5.82B | 5.55B | 5.83B | 5.49B | 4.89B | 4.02B |
| Operating Income | 2.11B | 1.62B | 403.08M | 251.28M | 275.61M | 249.77M |
| Other Non Operating Income (Expenses) | -21.82M | -19.71M | -20.06M | -18.66M | -20.42M | -18.16M |
| EBT Excluding Unusual Items | 2.09B | 1.60B | 383.02M | 232.62M | 255.19M | 231.61M |
| Gain (Loss) on Sale of Assets | 660.82K | 559.93K | 1.40M | 3.56M | 1.86M | 8.28M |
| Pretax Income | 2.09B | 1.60B | 384.42M | 236.17M | 257.05M | 239.88M |
| Income Tax Expense | 176.13M | 194.16M | 58.93M | 46.98M | 64.18M | 47.07M |
| Net Income | 1.91B | 1.41B | 325.49M | 189.20M | 192.87M | 192.82M |
| Net Income to Common | 1.91B | 1.41B | 325.49M | 189.20M | 192.87M | 192.82M |
| Shares Outstanding (Basic) | 35.80M | 35.80M | 35.80M | 35.80M | 35.80M | 35.80M |
| Shares Outstanding (Diluted) | 35.80M | 35.80M | 35.80M | 35.80M | 35.80M | 35.80M |
| EPS (Basic) | 53.36 | 39.37 | 9.09 | 5.28 | 5.39 | 5.39 |
| EPS (Diluted) | 53.36 | 39.37 | 9.09 | 5.28 | 5.39 | 5.39 |
| Free Cash Flow | 1.29B | 875.61M | -137.20M | -182.03M | -222.25M | -258.36M |
| Free Cash Flow Per Share | 35.91 | 24.46 | -3.83 | -5.08 | -6.21 | -7.22 |
| Dividend Per Share | 1.36 | 1.36 | 1.36 | 1.27 | 1.09 | 0.94 |
| Operating Margin | 26.60% | 22.61% | 6.47% | 4.38% | 5.34% | 5.84% |
| Profit Margin | 24.08% | 19.64% | 5.22% | 3.30% | 3.74% | 4.51% |
| Free Cash Flow Margin | 16.20% | 12.20% | -2.20% | -3.17% | -4.31% | -6.04% |
| EBITDA | 2.15B | 1.64B | 422.45M | 269.81M | 291.49M | 263.47M |
| EBITDA Margin | 27.14% | 22.91% | 6.78% | 4.70% | 5.65% | 6.16% |
| D&A For EBITDA | 42.97M | 21.11M | 19.37M | 18.53M | 15.87M | 13.70M |
| EBIT | 2.11B | 1.62B | 403.08M | 251.28M | 275.61M | 249.77M |
| EBIT Margin | 26.60% | 22.61% | 6.47% | 4.38% | 5.34% | 5.84% |
| Effective Tax Rate | 8.44% | 12.11% | 15.33% | 19.89% | 24.97% | 19.62% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Investments in Debt Securities | 6.12B | 5.25B | 3.87B | 3.25B | 3.29B | 2.73B |
| Investments in Equity & Preferred Securities | 294.46M | 238.79M | 263.86M | 378.70M | 394.26M | 444.11M |
| Policy Loans | 188.29M | 182.38M | 138.11M | 129.00M | 124.64M | 103.89M |
| Other Investments | 27.98M | 26.50M | 26.01M | 27.89M | 28.39M | 29.97M |
| Total Investments | 6.63B | 5.69B | 4.30B | 3.79B | 3.84B | 3.30B |
| Cash & Equivalents | 1.23B | 1.30B | 1.33B | 1.65B | 1.45B | 1.89B |
| Other Receivables | 348.33M | 398.30M | 331.83M | 387.65M | 410.84M | 364.62M |
| Property, Plant & Equipment | 1.09B | 1.05B | 864.66M | 837.41M | 825.09M | 810.60M |
| Other Intangible Assets | 18.77M | 20.66M | 7.88M | 5.48M | 4.78M | 5.63M |
| Other Current Assets | 423.57M | 352.90M | 599.10M | 502.95M | 468.00M | 421.67M |
| Long-Term Deferred Charges | 9.51M | 8.72M | 812.76K | 1.63M | 610.67K | |
| Other Long-Term Assets | 25.47M | 24.66M | 27.20M | 28.17M | 27.55M | 30.69M |
| Total Assets | 9.77B | 8.85B | 7.47B | 7.20B | 7.03B | 6.83B |
| Accrued Expenses | 45.21M | 59.43M | 56.68M | 67.22M | 54.07M | 42.82M |
| Insurance & Annuity Liabilities | 8.64B | 7.80B | 6.59B | 6.33B | 6.22B | 6.09B |
| Unpaid Claims | 41.05M | 53.56M | 46.68M | 37.94M | 25.89M | 27.84M |
| Unearned Premiums | 34.89M | 28.93M | 14.40M | 18.20M | 16.98M | 23.92M |
| Reinsurance Payable | 116.64M | 121.73M | 58.29M | 76.39M | 83.06M | 55.27M |
| Current Income Taxes Payable | 305.57M | 305.49M | 407.58M | 348.65M | 305.28M | 237.99M |
| Long-Term Leases | 43.53M | 53.01M | ||||
| Other Current Liabilities | 117.44M | 157.12M | 148.25M | 93.90M | 104.13M | 118.66M |
| Other Long-Term Liabilities | 22.24M | -134.63M | -258.02M | -175.72M | -183.32M | -157.71M |
| Total Liabilities | 9.37B | 8.45B | 7.07B | 6.80B | 6.62B | 6.45B |
| Common Stock | 325.45M | 325.45M | 325.45M | 325.45M | 325.45M | 307.03M |
| Additional Paid-In Capital | 76.76M | 76.76M | 76.76M | 76.76M | 76.76M | 76.76M |
| Shareholders' Equity | 402.21M | 402.21M | 402.21M | 402.21M | 402.21M | 383.79M |
| Total Liabilities & Equity | 9.77B | 8.85B | 7.47B | 7.20B | 7.03B | 6.83B |
| Filing Date Shares Outstanding | 35.80M | 35.80M | 35.80M | 35.80M | 35.80M | 35.80M |
| Total Common Shares Outstanding | 35.80M | 35.80M | 35.80M | 35.80M | 35.80M | 35.80M |
| Total Debt | 43.53M | 53.01M | ||||
| Net Cash (Debt) | 1.19B | 1.25B | 1.33B | 1.65B | 1.45B | 1.89B |
| Net Cash Per Share | 33.25 | 34.82 | 37.25 | 46.07 | 40.47 | 52.88 |
| Book Value Per Share | 11.23 | 11.23 | 11.23 | 11.23 | 11.23 | 10.72 |
| Tangible Book Value | 383.44M | 381.56M | 394.33M | 396.73M | 397.43M | 378.16M |
| Tangible Book Value Per Share | 10.71 | 10.66 | 11.01 | 11.08 | 11.10 | 10.56 |
| Land | 723.03M | 723.03M | 723.03M | 723.03M | ||
| Machinery | 346.97M | 335.08M | 295.34M | 300.21M | ||
| Construction In Progress | 109.19M | 19.69M |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 1.91B | 1.41B | 325.49M | 189.20M | 192.87M | 192.82M |
| Depreciation & Amortization | 82.90M | 61.04M | 19.37M | 18.53M | 15.87M | 13.70M |
| Other Amortization | 4.66M | 4.66M | 824.81K | 755.47K | 846.87K | 1.26M |
| Gain (Loss) on Sale of Assets | -660.82K | -559.93K | -1.40M | -3.56M | -1.86M | -8.28M |
| Change in Accounts Receivable | -17.25M | 2.43M | 98.71M | 1.04M | -85.46M | 44.07M |
| Change in Insurance Reserves / Liabilities | -8.24M | 6.88M | 8.74M | 12.04M | -1.94M | 4.59M |
| Change in Other Net Operating Assets | 409.23M | 400.11M | -26.89M | 44.19M | 75.96M | -43.35M |
| Other Operating Activities | -832.82M | -743.42M | -512.95M | -411.23M | -387.33M | -435.60M |
| Operating Cash Flow | 1.55B | 1.14B | -87.13M | -149.63M | -191.81M | -233.47M |
| Capital Expenditures | -264.37M | -267.50M | -50.07M | -32.40M | -30.44M | -24.88M |
| Sale of Property, Plant & Equipment | 2.14M | 1.82M | 1.52M | 2.61M | 730.93K | 6.86M |
| Investment in Securities | -1.90B | -1.37B | -610.59M | 43.03M | -552.72M | -44.23M |
| Other Investing Activities | 590.75M | 548.76M | 484.93M | 381.07M | 384.19M | 430.70M |
| Investing Cash Flow | -1.60B | -1.13B | -183.32M | 389.94M | -218.98M | 345.24M |
| Common Dividends Paid | -48.66M | -48.66M | -45.32M | -39.78M | -33.66M | -38.77M |
| Other Financing Activities | -2.12M | |||||
| Financing Cash Flow | -48.66M | -48.66M | -45.32M | -39.78M | -33.66M | -40.89M |
| Miscellaneous Cash Flow Adjustments | 1.00 | 1.00 | -1.00 | |||
| Net Cash Flow | -97.89M | -33.81M | -315.77M | 200.53M | -444.45M | 70.88M |
| Free Cash Flow | 1.29B | 875.61M | -137.20M | -182.03M | -222.25M | -258.36M |
| Free Cash Flow Margin | 16.20% | 12.20% | -2.20% | -3.17% | -4.31% | -6.04% |
| Free Cash Flow Per Share | 35.91 | 24.46 | -3.83 | -5.08 | -6.21 | -7.22 |
| Levered Free Cash Flow | 1.92B | 986.47M | 271.20M | 184.91M | 148.87M | 199.22M |
| Unlevered Free Cash Flow | 1.92B | 986.47M | 271.20M | 184.91M | 148.87M | 199.22M |
| Cash Income Tax Paid | 103.09M | 80.83M | 57.68M | 42.37M | 53.21M | 26.67M |
| Change in Working Capital | 385.71M | 412.03M | 81.53M | 56.68M | -12.21M | 2.63M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 5.12B | 4.79B | 4.26B | 3.32B | 3.96B | 2.74B |
| Enterprise Value | 3.93B | 3.66B | 3.07B | 1.71B | 2.27B | 924.02M |
| PE Ratio | 2.44 | 3.40 | 13.08 | 17.56 | 20.54 | 14.19 |
| PS Ratio | 0.65 | 0.67 | 0.68 | 0.58 | 0.77 | 0.64 |
| PB Ratio | 12.73 | 11.90 | 10.58 | 8.26 | 9.85 | 7.13 |
| P/FCF Ratio | 3.98 | 5.47 | ||||
| P/OCF Ratio | 3.30 | 4.19 | ||||
| EV/Sales Ratio | 0.50 | 0.51 | 0.49 | 0.30 | 0.44 | 0.22 |
| EV/EBITDA Ratio | 1.79 | 2.23 | 7.28 | 6.33 | 7.80 | 3.51 |
| EV/EBIT Ratio | 1.86 | 2.26 | 7.63 | 6.80 | 8.25 | 3.70 |
| EV/FCF Ratio | 3.06 | 4.18 | ||||
| Debt / Equity Ratio | 0.11 | 0.13 | ||||
| Debt / EBITDA Ratio | 0.02 | 0.03 | ||||
| Debt / FCF Ratio | 0.03 | 0.06 | ||||
| Net Debt / Equity Ratio | -2.96 | -3.10 | -3.31 | -4.10 | -3.60 | -4.93 |
| Net Debt / EBITDA Ratio | -0.55 | -0.76 | -3.16 | -6.11 | -4.97 | -7.19 |
| Net Debt / FCF Ratio | -0.93 | -1.42 | 9.72 | 9.06 | 6.52 | 7.33 |
| Quick Ratio | 2.18 | 2.17 | 2.17 | 3.06 | 3.04 | 4.30 |
| Current Ratio | 3.04 | 2.82 | 3.09 | 3.95 | 3.95 | 5.29 |
| Asset Turnover | 0.90 | 0.88 | 0.85 | 0.81 | 0.74 | 0.64 |
| Return on Equity (ROE) | 474.94% | 350.40% | 80.92% | 47.04% | 49.08% | 50.24% |
| Return on Assets (ROA) | 14.90% | 12.43% | 3.43% | 2.21% | 2.49% | 2.33% |
| Return on Invested Capital (ROIC) | 430.81% | 332.67% | 84.85% | 50.05% | 52.62% | 52.31% |
| Earnings Yield | 41.05% | 29.44% | 7.65% | 5.69% | 4.87% | 7.05% |
| FCF Yield | 25.11% | 18.29% | -3.22% | -5.48% | -5.61% | -9.44% |
| Dividend Yield | 1.05% | 1.02% | 1.15% | 1.37% | 0.99% | 1.23% |
| Payout Ratio | 2.55% | 3.45% | 13.92% | 21.03% | 17.45% | 20.11% |
| Total Shareholder Return | 1.05% | 1.02% | 1.15% | 1.37% | 0.99% | 1.23% |