DSE : PRIMEINSUR
Prime Islami Insurance PLC — Financial statements
Life Insurance · Bangladesh
Last price 45.2 BDT (At close: Oct 29, 2026) · Market cap 1.85B
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Premiums & Annuity Revenue | 555.67M | 609.33M | 687.58M | 609.74M | 515.94M | 327.05M |
| Total Interest & Dividend Income | 44.03M | 49.32M | 65.29M | 44.47M | 45.91M | 30.61M |
| Gain (Loss) on Sale of Investments | -9.59M | -9.59M | -13.29M | -14.79M | -7.97M | 40.16M |
| Other Revenue | 125.56M | 123.82M | 187.44M | 185.46M | 177.37M | 101.19M |
| Total Revenue | 715.67M | 772.88M | 927.02M | 824.89M | 731.25M | 499.01M |
| Policy Benefits | 91.45M | 90.01M | 87.43M | 64.91M | 77.57M | 98.76M |
| Policy Acquisition & Underwriting Costs | 80.86M | 158.32M | 218.15M | 187.44M | 164.47M | 38.82M |
| Depreciation & Amortization | 49.62M | 49.62M | 46.53M | 50.41M | 33.51M | 16.36M |
| Selling, General & Administrative | 355.83M | 353.75M | 434.38M | 368.06M | 295.81M | 245.60M |
| Total Operating Expenses | 586.11M | 660.04M | 786.49M | 688.22M | 577.43M | 403.54M |
| Operating Income | 129.56M | 112.84M | 140.53M | 136.67M | 153.82M | 95.47M |
| Other Non Operating Income (Expenses) | -4.34M | -4.34M | -5.10M | -3.69M | -3.35M | -3.01M |
| EBT Excluding Unusual Items | 125.21M | 108.49M | 135.43M | 132.98M | 150.46M | 92.46M |
| Pretax Income | 125.21M | 108.49M | 135.43M | 132.98M | 150.46M | 92.46M |
| Income Tax Expense | 38.44M | 27.50M | 51.44M | 33.76M | 53.29M | 10.34M |
| Net Income | 86.77M | 80.99M | 83.99M | 99.22M | 97.17M | 82.12M |
| Net Income to Common | 86.77M | 80.99M | 83.99M | 99.22M | 97.17M | 82.12M |
| Shares Outstanding (Basic) | 40.88M | 40.88M | 40.88M | 40.88M | 40.88M | 40.88M |
| Shares Outstanding (Diluted) | 40.88M | 40.88M | 40.88M | 40.88M | 40.88M | 40.88M |
| EPS (Basic) | 2.12 | 1.98 | 2.05 | 2.43 | 2.38 | 2.01 |
| EPS (Diluted) | 2.12 | 1.98 | 2.05 | 2.43 | 2.38 | 2.01 |
| Free Cash Flow | -110.05M | -139.20M | -127.23M | 30.51M | 176.07M | 83.13M |
| Free Cash Flow Per Share | -2.69 | -3.40 | -3.11 | 0.75 | 4.31 | 2.03 |
| Dividend Per Share | 1.00 | 1.00 | 1.00 | 1.20 | 1.00 | 1.50 |
| Operating Margin | 18.10% | 14.60% | 15.16% | 16.57% | 21.04% | 19.13% |
| Profit Margin | 12.12% | 10.48% | 9.06% | 12.03% | 13.29% | 16.46% |
| Free Cash Flow Margin | -15.38% | -18.01% | -13.73% | 3.70% | 24.08% | 16.66% |
| EBITDA | 156.31M | 140.88M | 187.06M | 187.08M | 187.33M | 111.83M |
| EBITDA Margin | 21.84% | 18.23% | 20.18% | 22.68% | 25.62% | 22.41% |
| D&A For EBITDA | 26.76M | 28.04M | 46.53M | 50.41M | 33.51M | 16.36M |
| EBIT | 129.56M | 112.84M | 140.53M | 136.67M | 153.82M | 95.47M |
| EBIT Margin | 18.10% | 14.60% | 15.16% | 16.57% | 21.04% | 19.13% |
| Effective Tax Rate | 30.70% | 25.35% | 37.98% | 25.39% | 35.42% | 11.18% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Investments in Equity & Preferred Securities | 134.78M | 215.71M | 197.40M | 166.20M | 217.77M | 214.72M |
| Total Investments | 197.30M | 215.71M | 197.40M | 166.20M | 217.77M | 214.72M |
| Cash & Equivalents | 324.93M | 357.11M | 540.72M | 675.49M | 616.09M | 475.81M |
| Reinsurance Recoverable | 293.64M | 319.63M | 265.40M | 244.75M | 242.86M | 233.53M |
| Other Receivables | 262.05M | 12.33M | 30.23M | 30.27M | 44.66M | 28.64M |
| Property, Plant & Equipment | 438.84M | 455.73M | 455.14M | 403.15M | 434.03M | 391.91M |
| Other Current Assets | 501.66M | 637.55M | 553.92M | 467.15M | 404.58M | 378.82M |
| Other Long-Term Assets | 61.90M | 25.00M | 25.00M | 25.00M | 25.00M | |
| Total Assets | 2.02B | 2.06B | 2.07B | 2.01B | 1.98B | 1.75B |
| Accrued Expenses | 13.37M | 11.31M | 20.84M | 29.39M | 37.35M | |
| Insurance & Annuity Liabilities | 376.25M | 385.34M | 415.20M | 465.88M | 513.80M | 355.39M |
| Unpaid Claims | 34.69M | 31.84M | 30.61M | 40.39M | 36.02M | 57.98M |
| Unearned Premiums | 38.41M | 39.53M | 40.23M | 77.06M | 97.62M | 94.78M |
| Current Income Taxes Payable | 546.57M | 525.79M | 511.89M | 471.30M | 439.31M | 401.41M |
| Long-Term Leases | 21.79M | 30.37M | 18.19M | |||
| Long-Term Deferred Tax Liabilities | 31.97M | 39.50M | 41.58M | 30.72M | 28.95M | 13.56M |
| Other Current Liabilities | 8.75M | 7.27M | 9.23M | 21.32M | 12.96M | 4.75M |
| Other Long-Term Liabilities | 113.95M | 86.93M | 117.10M | 2.70M | 2.70M | 2.70M |
| Total Liabilities | 1.15B | 1.13B | 1.18B | 1.16B | 1.19B | 986.92M |
| Common Stock | 408.77M | 408.77M | 408.77M | 408.77M | 408.77M | 408.77M |
| Retained Earnings | 590.78M | 521.62M | 481.88M | 446.95M | 388.60M | 352.75M |
| Comprehensive Income & Other | -131.72M | |||||
| Shareholders' Equity | 867.83M | 930.39M | 890.65M | 855.72M | 797.37M | 761.52M |
| Total Liabilities & Equity | 2.02B | 2.06B | 2.07B | 2.01B | 1.98B | 1.75B |
| Filing Date Shares Outstanding | 40.88M | 40.88M | 40.88M | 40.88M | 40.88M | 40.88M |
| Total Common Shares Outstanding | 40.88M | 40.88M | 40.88M | 40.88M | 40.88M | 40.88M |
| Total Debt | 21.79M | 30.37M | 18.19M | |||
| Net Cash (Debt) | 324.93M | 357.11M | 540.72M | 653.70M | 585.73M | 457.62M |
| Net Cash Per Share | 7.95 | 8.74 | 13.23 | 15.99 | 14.33 | 11.20 |
| Book Value Per Share | 21.23 | 22.76 | 21.79 | 20.93 | 19.51 | 18.63 |
| Tangible Book Value | 867.83M | 930.39M | 890.65M | 855.72M | 797.37M | 761.52M |
| Tangible Book Value Per Share | 21.23 | 22.76 | 21.79 | 20.93 | 19.51 | 18.63 |
| Buildings | 349.74M | 349.74M | 280.85M | 280.85M | 280.85M | |
| Machinery | 258.98M | 244.31M | 245.57M | 231.54M | 179.08M |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 86.77M | 80.99M | 83.99M | 99.22M | 97.17M | 82.12M |
| Depreciation & Amortization | 48.34M | 49.62M | 46.53M | 50.41M | 33.51M | 16.36M |
| Gain (Loss) on Sale of Assets | -338.73K | |||||
| Gain (Loss) on Sale of Investments | -132.60K | 9.59M | 13.29M | 14.79M | -1.38M | -40.16M |
| Change in Accounts Receivable | 992.89K | 1.04M | ||||
| Change in Unearned Revenue | 6.01M | -707.21K | -36.83M | -20.56M | 2.84M | -5.06M |
| Change in Insurance Reserves / Liabilities | 8.23M | 1.23M | -9.78M | 4.37M | -21.96M | 11.11M |
| Change in Other Net Operating Assets | -222.84M | -192.96M | -83.52M | -53.48M | 128.66M | 139.78M |
| Other Operating Activities | -32.62M | -69.40M | -65.85M | -44.71M | -4.00M | -36.68M |
| Operating Cash Flow | -106.24M | -121.64M | -52.50M | 50.04M | 235.84M | 168.49M |
| Capital Expenditures | -3.81M | -17.56M | -74.73M | -19.53M | -59.77M | -85.36M |
| Sale of Property, Plant & Equipment | 7.20K | |||||
| Investment in Securities | 121.78M | 140.34M | 75.34M | 8.52M | -156.58M | -56.31M |
| Other Investing Activities | 52.71M | 62.64M | 59.57M | 42.65M | 28.63M | 43.18M |
| Investing Cash Flow | 170.68M | 185.42M | 60.18M | 31.64M | -187.72M | -98.48M |
| Common Dividends Paid | -80.49M | -42.25M | -49.21M | -41.87M | -59.13M | -42.95M |
| Financing Cash Flow | -75.58M | -42.25M | -49.21M | -41.87M | -59.13M | -42.95M |
| Net Cash Flow | -11.15M | 21.53M | -41.53M | 39.81M | -11.02M | 27.06M |
| Free Cash Flow | -110.05M | -139.20M | -127.23M | 30.51M | 176.07M | 83.13M |
| Free Cash Flow Margin | -15.38% | -18.01% | -13.73% | 3.70% | 24.08% | 16.66% |
| Free Cash Flow Per Share | -2.69 | -3.40 | -3.11 | 0.75 | 4.31 | 2.03 |
| Levered Free Cash Flow | -13.23M | -2.87M | -75.38M | 81.84M | 37.80M | -143.86M |
| Unlevered Free Cash Flow | -13.23M | -2.87M | -75.38M | 81.84M | 37.80M | -143.86M |
| Cash Income Tax Paid | 36.76M | 47.58M | 52.00M | 34.00M | 24.11M | 19.08M |
| Change in Working Capital | -208.60M | -192.44M | -130.12M | -69.67M | 110.54M | 146.86M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.85B | 1.22B | 1.46B | 3.38B | 3.38B | 3.33B |
| Enterprise Value | 1.52B | 858.20M | 699.59M | 2.76B | 2.76B | 2.81B |
| PE Ratio | 21.29 | 15.09 | 17.33 | 34.11 | 34.83 | 40.52 |
| PS Ratio | 2.58 | 1.58 | 1.57 | 4.10 | 4.63 | 6.67 |
| PB Ratio | 2.13 | 1.31 | 1.63 | 3.96 | 4.25 | 4.37 |
| P/FCF Ratio | 110.93 | 19.22 | 40.03 | |||
| P/OCF Ratio | 67.64 | 14.35 | 19.75 | |||
| EV/Sales Ratio | 2.13 | 1.11 | 0.76 | 3.34 | 3.78 | 5.64 |
| EV/EBITDA Ratio | 8.56 | 6.09 | 3.74 | 14.73 | 14.75 | 25.16 |
| EV/EBIT Ratio | 11.75 | 7.61 | 4.98 | 20.16 | 17.96 | 29.47 |
| EV/FCF Ratio | 90.31 | 15.69 | 33.84 | |||
| Debt / Equity Ratio | 0.03 | 0.04 | 0.02 | |||
| Debt / EBITDA Ratio | 0.12 | 0.16 | 0.16 | |||
| Debt / FCF Ratio | 0.71 | 0.17 | 0.22 | |||
| Net Debt / Equity Ratio | -0.37 | -0.38 | -0.61 | -0.76 | -0.73 | -0.60 |
| Net Debt / EBITDA Ratio | -2.08 | -2.54 | -2.89 | -3.49 | -3.13 | -4.09 |
| Net Debt / FCF Ratio | 2.95 | 2.56 | 4.25 | -21.42 | -3.33 | -5.50 |
| Quick Ratio | 0.92 | 0.58 | 0.91 | 1.08 | 1.04 | 0.84 |
| Current Ratio | 2.20 | 2.15 | 2.31 | 2.25 | 2.13 | 1.87 |
| Asset Turnover | 0.35 | 0.37 | 0.45 | 0.41 | 0.39 | 0.29 |
| Return on Equity (ROE) | 9.63% | 8.89% | 9.62% | 12.01% | 12.47% | 11.08% |
| Return on Assets (ROA) | 3.94% | 3.42% | 4.31% | 4.27% | 5.15% | 3.53% |
| Return on Invested Capital (ROIC) | 9.81% | 9.25% | 9.86% | 11.96% | 12.36% | 11.22% |
| Earnings Yield | 4.70% | 6.63% | 5.77% | 2.93% | 2.87% | 2.47% |
| FCF Yield | -5.96% | -11.39% | -8.74% | 0.90% | 5.20% | 2.50% |
| Dividend Yield | 2.21% | 3.34% | 2.81% | 1.45% | 1.21% | 1.84% |
| Payout Ratio | 92.76% | 52.16% | 58.60% | 42.20% | 60.86% | 52.30% |
| Total Shareholder Return | 2.21% | 3.34% | 2.81% | 1.45% | 1.21% | 1.84% |