DSE : PRIMEFIN
Prime Finance & Investment Limited — Financial statements
Miscellaneous business Credit Institutions · Bangladesh
Last price 2.7 BDT (At close: Oct 28, 2026) · Market cap 736.87M
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | |
|---|---|---|---|---|---|---|
| Interest and Dividend Income | 501.47M | 501.47M | 613.85M | 752.08M | 809.90M | 989.60M |
| Total Interest Expense | 636.88M | 636.88M | 687.62M | 628.96M | 700.13M | 847.84M |
| Net Interest Income | -135.40M | -135.40M | -73.77M | 123.13M | 109.77M | 141.76M |
| Commissions and Fees | 7.93M | 7.93M | 8.53M | 8.86M | 11.58M | 20.69M |
| Other Revenue | 4.10M | 4.10M | -51.33M | 4.97M | 2.44M | 12.99M |
| Revenue Before Loan Losses | -123.37M | -123.37M | -116.57M | 136.96M | 123.79M | 175.44M |
| Provision for Loan Losses | 1.08B | 1.08B | 429.91M | 120.26M | -60.93M | -25.23M |
| Revenue | -1.20B | -1.20B | -546.49M | 16.70M | 184.72M | 200.67M |
| Salaries & Employee Benefits | 123.36M | 123.36M | 127.53M | 119.62M | 105.21M | 135.83M |
| Cost of Services Provided | 34.59M | 34.59M | 37.52M | 37.32M | 30.30M | 39.29M |
| Other Operating Expenses | 28.05M | 28.05M | -53.22M | -148.59M | -13.04M | -58.66M |
| Total Operating Expenses | 198.50M | 198.50M | 124.08M | 22.81M | 143.96M | 142.57M |
| Operating Income | -1.40B | -1.40B | -670.57M | -6.10M | 40.75M | 58.10M |
| EBT Excluding Unusual Items | -1.40B | -1.40B | -670.57M | -6.10M | 40.75M | 58.10M |
| Gain (Loss) on Sale of Investments | -121.42M | -121.42M | -148.28M | -131.96M | -5.85M | -6.46M |
| Pretax Income | -1.52B | -1.52B | -818.80M | -137.10M | 35.19M | 52.02M |
| Income Tax Expense | 15.01M | 15.01M | 19.21M | 42.72M | 770.33K | 3.03M |
| Earnings From Continuing Ops. | -1.53B | -1.53B | -838.02M | -179.82M | 34.42M | 48.99M |
| Minority Interest in Earnings | 24.23M | 24.23M | 13.61M | -8.04M | 3.44M | 4.22M |
| Net Income | -1.51B | -1.51B | -824.40M | -187.86M | 37.86M | 53.21M |
| Net Income to Common | -1.51B | -1.51B | -824.40M | -187.86M | 37.86M | 53.21M |
| Shares Outstanding (Basic) | 272.92M | 272.92M | 272.92M | 272.92M | 272.92M | 272.92M |
| Shares Outstanding (Diluted) | 272.92M | 272.92M | 272.92M | 272.92M | 272.92M | 272.92M |
| EPS (Basic) | -5.53 | -5.53 | -3.02 | -0.69 | 0.14 | 0.19 |
| EPS (Diluted) | -5.53 | -5.53 | -3.02 | -0.69 | 0.14 | 0.19 |
| Free Cash Flow | -32.57M | -32.57M | -95.43M | 169.86M | 79.89M | 24.04M |
| Free Cash Flow Per Share | -0.12 | -0.12 | -0.35 | 0.62 | 0.29 | 0.09 |
| Dividend Per Share | 0.20 | |||||
| Operating Margin | -36.55% | 22.06% | 28.95% | |||
| Profit Margin | -1,124.74% | 20.50% | 26.51% | |||
| Free Cash Flow Margin | 1,016.96% | 43.25% | 11.98% | |||
| Effective Tax Rate | 2.19% | 5.83% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 429.54M | 429.54M | 544.82M | 714.76M | 490.07M | 469.99M |
| Long-Term Investments | 850.42M | 850.42M | 864.67M | 875.05M | 1.42B | 1.43B |
| Loans & Lease Receivables | 12.62B | 12.62B | 12.05B | 8.51B | 8.68B | 9.04B |
| Other Receivables | 36.34M | 42.30M | ||||
| Property, Plant & Equipment | 611.84M | 611.84M | 555.67M | 564.15M | 955.41M | 339.02M |
| Other Intangible Assets | 1.12M | 1.34M | ||||
| Other Current Assets | 3.26M | 3.26M | 3.26M | 3.26M | 598.25M | 594.44M |
| Long-Term Deferred Tax Assets | 11.26M | 10.91M | ||||
| Other Long-Term Assets | 2.59B | 2.59B | 2.54B | 2.43B | 1.05B | 799.86M |
| Total Assets | 17.11B | 17.11B | 16.56B | 13.10B | 13.24B | 12.73B |
| Interest Bearing Deposits | 6.01B | 6.01B | 5.88B | 5.87B | 5.43B | 5.51B |
| Total Deposits | 6.01B | 6.01B | 5.88B | 5.87B | 5.43B | 5.51B |
| Accrued Expenses | 405.85M | 405.85M | 388.16M | 415.55M | 395.00M | 408.20M |
| Short-Term Debt | 344.58M | 344.58M | 367.19M | 397.93M | 542.97M | 529.43M |
| Long-Term Debt | 883.28M | 883.28M | 849.86M | 875.82M | 847.47M | 883.74M |
| Long-Term Leases | 28.21M | 28.21M | 34.61M | 48.62M | 58.03M | 29.90M |
| Current Income Taxes Payable | 491.68M | 491.68M | 484.47M | 478.74M | 452.33M | 451.34M |
| Other Current Liabilities | 857.84K | 857.84K | 869.13K | 20.77M | 20.95M | 19.68M |
| Other Long-Term Liabilities | 7.78B | 7.78B | 5.85B | 1.42B | 1.49B | 1.65B |
| Total Liabilities | 15.94B | 15.94B | 13.86B | 9.52B | 9.23B | 9.49B |
| Common Stock | 2.73B | 2.73B | 2.73B | 2.73B | 2.73B | 2.73B |
| Retained Earnings | -3.02B | -3.02B | -1.51B | -683.28M | -495.42M | -510.98M |
| Comprehensive Income & Other | 686.74M | 686.74M | 687.02M | 721.80M | 975.60M | 221.94M |
| Total Common Equity | 398.79M | 398.79M | 1.91B | 2.77B | 3.21B | 2.44B |
| Minority Interest | 769.24M | 769.24M | 793.47M | 807.08M | 799.04M | 802.48M |
| Shareholders' Equity | 1.17B | 1.17B | 2.70B | 3.57B | 4.01B | 3.24B |
| Total Liabilities & Equity | 17.11B | 17.11B | 16.56B | 13.10B | 13.24B | 12.73B |
| Total Debt | 1.26B | 1.26B | 1.25B | 1.32B | 1.45B | 1.44B |
| Net Cash (Debt) | -826.54M | -826.54M | -706.84M | -607.60M | -958.40M | -973.08M |
| Net Cash Per Share | -3.03 | -3.03 | -2.59 | -2.23 | -3.51 | -3.57 |
| Filing Date Shares Outstanding | 272.92M | 272.92M | 272.92M | 272.92M | 272.92M | 272.92M |
| Total Common Shares Outstanding | 272.92M | 272.92M | 272.92M | 272.92M | 272.92M | 272.92M |
| Working Capital | 5.80B | 5.80B | 5.48B | 2.05B | 2.97B | 3.23B |
| Book Value Per Share | 1.46 | 1.46 | 6.99 | 10.14 | 11.76 | 8.94 |
| Tangible Book Value | 398.79M | 398.79M | 1.91B | 2.77B | 3.21B | 2.44B |
| Tangible Book Value Per Share | 1.46 | 1.46 | 6.99 | 10.14 | 11.76 | 8.94 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | |
|---|---|---|---|---|---|---|
| Net Income | -1.51B | -1.51B | -824.40M | -187.86M | 37.86M | 53.21M |
| Depreciation & Amortization | 11.61M | 11.61M | 11.62M | 14.23M | 21.28M | 25.89M |
| Other Amortization | 896.17K | 896.17K | 623.86K | 221.61K | 215.85K | 215.85K |
| Loss (Gain) From Sale of Investments | 121.42M | 121.42M | ||||
| Provision for Credit Losses | 1.11B | 1.11B | ||||
| Change in Trading Asset Securities | 14.25M | 14.25M | ||||
| Change in Other Net Operating Assets | 225.38M | 225.38M | -47.18M | |||
| Other Operating Activities | -9.22M | -9.22M | 767.63M | 348.08M | 22.96M | -55.27M |
| Operating Cash Flow | -30.58M | -30.58M | -91.71M | 174.68M | 82.32M | 24.04M |
| Capital Expenditures | -1.98M | -1.98M | -3.72M | -4.82M | -2.42M | |
| Sale of Property, Plant & Equipment | 3.17M | 3.17M | 500.00K | 124.69M | 28.70M | |
| Investing Cash Flow | 1.18M | 1.18M | -3.22M | 119.87M | -2.42M | 28.70M |
| Long-Term Debt Repaid | -85.87M | -85.87M | -75.01M | -69.85M | -37.52M | -113.14M |
| Total Debt Repaid | -85.87M | -85.87M | -75.01M | -69.85M | -37.52M | -113.14M |
| Net Debt Issued (Repaid) | -85.87M | -85.87M | -75.01M | -69.85M | -37.52M | -113.14M |
| Common Dividends Paid | -22.30M | |||||
| Financing Cash Flow | -85.87M | -85.87M | -75.01M | -69.85M | -59.82M | -113.14M |
| Net Cash Flow | -115.28M | -115.28M | -169.94M | 224.69M | 20.08M | -60.39M |
| Free Cash Flow | -32.57M | -32.57M | -95.43M | 169.86M | 79.89M | 24.04M |
| Free Cash Flow Margin | 1,016.96% | 43.25% | 11.98% | |||
| Free Cash Flow Per Share | -0.12 | -0.12 | -0.35 | 0.62 | 0.29 | 0.09 |
| Cash Interest Paid | 380.26M | 380.26M | 559.66M | 555.01M | 661.90M | 621.18M |
| Cash Income Tax Paid | 9.58M | 9.58M | 9.43M | 29.04M | 6.12M | 7.55M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 764.17M | 3.14B | 3.14B | 4.31B | 3.44B | 2.05B |
| PE Ratio | 90.83 | 38.47 | ||||
| PS Ratio | -2.62 | -5.74 | 258.17 | 18.62 | 10.20 | |
| PB Ratio | 0.65 | 2.69 | 1.16 | 1.21 | 0.86 | 0.63 |
| P/FCF Ratio | 25.39 | 43.04 | 85.13 | |||
| P/OCF Ratio | 24.69 | 41.77 | 85.13 | |||
| Debt / Equity Ratio | 1.07 | 1.07 | 0.46 | 0.37 | 0.36 | 0.45 |
| Debt / FCF Ratio | 7.79 | 18.13 | 60.02 | |||
| Net Debt / Equity Ratio | 0.71 | 0.71 | 0.26 | 0.17 | 0.24 | 0.30 |
| Net Debt / FCF Ratio | -25.38 | -25.38 | -7.41 | 3.58 | 12.00 | 40.47 |
| Quick Ratio | 1.80 | 1.80 | 1.77 | 1.28 | 1.35 | 1.38 |
| Current Ratio | 1.80 | 1.80 | 1.77 | 1.28 | 1.43 | 1.47 |
| Asset Turnover | 0.00 | 0.01 | 0.01 | |||
| Return on Equity (ROE) | -79.26% | -79.26% | -26.70% | -4.74% | 0.95% | 1.52% |
| Return on Assets (ROA) | -9.11% | -9.11% | -5.65% | -1.36% | 0.27% | 0.37% |
| Return on Invested Capital (ROIC) | -47.78% | -43.82% | -15.15% | -0.12% | 0.79% | 1.13% |
| Earnings Yield | -197.53% | -48.09% | -26.27% | -4.36% | 1.10% | 2.60% |
| FCF Yield | -4.26% | -1.04% | -3.04% | 3.94% | 2.32% | 1.18% |
| Dividend Yield | 2.67% | |||||
| Payout Ratio | 58.90% | |||||
| Total Shareholder Return | 2.67% |