DSE : PRIMELIFE
Prime Islami Life Insurance Limited — Financial statements
Life Insurance · Bangladesh
Last price 35.1 BDT (At close: Oct 29, 2026) · Market cap 1.07B
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Premiums & Annuity Revenue | 3.79B | 3.84B | 3.79B | 4.04B | 4.13B | 4.27B |
| Total Interest & Dividend Income | 125.30M | 115.17M | 48.57M | 82.75M | 111.77M | 132.06M |
| Gain (Loss) on Sale of Investments | -1.30M | -5.15M | ||||
| Other Revenue | 3.12M | 1.72M | 2.02M | 5.03M | 2.18M | 5.68M |
| Total Revenue | 3.92B | 3.96B | 3.84B | 4.12B | 4.24B | 4.41B |
| Policy Benefits | 3.06B | 2.88B | 2.81B | 2.93B | 3.00B | 2.95B |
| Policy Acquisition & Underwriting Costs | 337.49M | 337.49M | 425.70M | 501.95M | 576.48M | 623.03M |
| Depreciation & Amortization | 16.36M | 16.36M | 19.23M | 20.06M | 22.63M | 24.38M |
| Selling, General & Administrative | 208.65M | 242.41M | 234.33M | 274.81M | 352.19M | 380.45M |
| Provision for Bad Debts | 1.40M | 1.40M | 51.61M | 51.94M | 501.17K | 1.35M |
| Other Operating Expenses | 11.68M | 8.87M | 5.51M | 6.93M | 10.81M | 19.65M |
| Total Operating Expenses | 4.16B | 4.00B | 3.99B | 4.28B | 4.47B | 4.54B |
| Operating Income | -239.11M | -46.98M | -144.85M | -158.38M | -231.67M | -134.77M |
| Interest Expense | -4.98M | -4.98M | -7.23M | -9.41M | -19.96M | -17.71M |
| Other Non Operating Income (Expenses) | -8.85M | -8.85M | -10.09M | -12.27M | -14.79M | -16.48M |
| EBT Excluding Unusual Items | -252.94M | -60.80M | -162.18M | -180.06M | -266.41M | -168.96M |
| Gain (Loss) on Sale of Assets | -171.78K | -171.78K | 130.50K | |||
| Asset Writedown | -2.84M | -43.07M | -7.34M | |||
| Other Unusual Items | -600.00K | -1.25M | ||||
| Pretax Income | -253.11M | -60.98M | -162.18M | -183.37M | -310.73M | -176.30M |
| Income Tax Expense | 13.23M | 13.23M | 2.55M | 2.53M | 53.30M | 83.64M |
| Earnings From Continuing Ops. | -266.33M | -74.20M | -164.73M | -185.90M | -364.03M | -259.94M |
| Minority Interest in Earnings | -21.84M | -24.34M | 29.68M | 13.71M | 6.69M | -10.59M |
| Net Income | -288.17M | -98.54M | -135.04M | -172.19M | -357.34M | -270.53M |
| Net Income to Common | -288.17M | -98.54M | -135.04M | -172.19M | -357.34M | -270.53M |
| Shares Outstanding (Basic) | 30.52M | 30.52M | 30.52M | 30.52M | 30.52M | 30.52M |
| Shares Outstanding (Diluted) | 30.52M | 30.52M | 30.52M | 30.52M | 30.52M | 30.52M |
| EPS (Basic) | -9.44 | -3.23 | -4.42 | -5.64 | -11.71 | -8.86 |
| EPS (Diluted) | -9.44 | -3.23 | -4.42 | -5.64 | -11.71 | -8.86 |
| Free Cash Flow | -178.77M | -109.15M | 62.69M | 93.76M | -122.82M | -120.98M |
| Free Cash Flow Per Share | -5.86 | -3.58 | 2.05 | 3.07 | -4.02 | -3.96 |
| Dividend Per Share | 0.03 | 0.10 | 0.20 | |||
| Operating Margin | -6.10% | -1.19% | -3.77% | -3.84% | -5.46% | -3.06% |
| Profit Margin | -7.35% | -2.49% | -3.51% | -4.17% | -8.42% | -6.14% |
| Free Cash Flow Margin | -4.56% | -2.76% | 1.63% | 2.27% | -2.90% | -2.75% |
| EBITDA | -231.71M | -37.43M | -132.44M | -145.13M | -215.85M | -117.20M |
| EBITDA Margin | -5.91% | -0.95% | -3.45% | -3.52% | -5.09% | -2.66% |
| D&A For EBITDA | 7.39M | 9.55M | 12.41M | 13.25M | 15.82M | 17.57M |
| EBIT | -239.11M | -46.98M | -144.85M | -158.38M | -231.67M | -134.77M |
| EBIT Margin | -6.10% | -1.19% | -3.77% | -3.84% | -5.46% | -3.06% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Investments in Debt Securities | 305.00M | 234.50M | 230.90M | 230.90M | 226.80M | |
| Investments in Equity & Preferred Securities | 322.99M | 171.65M | 248.92M | 347.20M | 314.51M | |
| Policy Loans | 194.87M | 191.90M | 189.44M | 184.60M | 163.31M | 143.89M |
| Other Investments | 3.17B | 2.50B | 2.50B | 2.57B | 2.57B | 2.57B |
| Total Investments | 3.36B | 3.32B | 3.09B | 3.23B | 3.31B | 3.25B |
| Cash & Equivalents | 351.52M | 1.02B | 1.12B | 1.08B | 942.15M | 1.15B |
| Other Receivables | 1.45B | 1.52B | 1.55B | 1.69B | 1.73B | 1.92B |
| Property, Plant & Equipment | 2.86B | 2.87B | 2.88B | 2.89B | 2.90B | 2.91B |
| Other Intangible Assets | 7.62K | 8.24K | 16.48K | |||
| Other Current Assets | 149.75M | 139.37M | 163.97M | 173.24M | 231.93M | 314.86M |
| Other Long-Term Assets | 5.44M | 22.08M | 20.21M | 23.08M | 23.04M | 23.13M |
| Total Assets | 8.18B | 8.89B | 8.83B | 9.08B | 9.14B | 9.57B |
| Accrued Expenses | 187.75M | 181.93M | 141.66M | 121.60M | ||
| Insurance & Annuity Liabilities | 6.19B | 7.40B | 7.49B | 7.57B | 7.71B | 8.08B |
| Unpaid Claims | 720.69M | 239.46M | 279.83M | 266.50M | 152.32M | 124.15M |
| Unearned Premiums | 2.59M | 9.07M | 12.12M | 14.03M | 4.61M | 7.03M |
| Reinsurance Payable | 34.79M | 33.22M | 23.11M | 14.75M | 12.53M | 15.18M |
| Current Income Taxes Payable | 14.12M | 12.43M | 73.18M | 68.69M | ||
| Long-Term Leases | 21.76M | 28.70M | 35.04M | 40.85M | 46.15M | |
| Other Current Liabilities | 91.73K | 1.88M | 1.21M | 2.30M | 4.35M | |
| Other Long-Term Liabilities | 822.14M | 116.20M | 11.29M | 757.40M | 155.12M | 325.44M |
| Total Liabilities | 7.77B | 8.49B | 8.50B | 8.66B | 8.69B | 9.11B |
| Common Stock | 305.20M | 305.20M | 305.20M | 305.20M | 305.20M | 305.20M |
| Retained Earnings | -157.01M | -162.26M | -207.59M | -152.46M | -133.29M | -120.98M |
| Total Common Equity | 148.19M | 142.94M | 97.62M | 152.75M | 171.91M | 184.22M |
| Minority Interest | 265.56M | 262.74M | 238.33M | 268.02M | 278.33M | 284.96M |
| Shareholders' Equity | 413.75M | 405.68M | 335.95M | 420.76M | 450.24M | 469.19M |
| Total Liabilities & Equity | 8.18B | 8.89B | 8.83B | 9.08B | 9.14B | 9.57B |
| Filing Date Shares Outstanding | 30.52M | 30.52M | 30.52M | 30.52M | 30.52M | 30.52M |
| Total Common Shares Outstanding | 30.52M | 30.52M | 30.52M | 30.52M | 30.52M | 30.52M |
| Total Debt | 21.76M | 28.70M | 35.04M | 40.85M | 46.15M | |
| Net Cash (Debt) | 351.52M | 998.66M | 1.09B | 1.05B | 901.30M | 1.11B |
| Net Cash Per Share | 11.52 | 32.72 | 35.87 | 34.27 | 29.53 | 36.25 |
| Book Value Per Share | 4.86 | 4.68 | 3.20 | 5.00 | 5.63 | 6.04 |
| Tangible Book Value | 148.19M | 142.93M | 97.61M | 152.73M | 171.91M | 184.22M |
| Tangible Book Value Per Share | 4.86 | 4.68 | 3.20 | 5.00 | 5.63 | 6.04 |
| Land | 2.79B | 2.79B | ||||
| Machinery | 281.90M | 359.60M | 3.15B |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -135.04M | -172.19M | -357.34M | -270.53M | ||
| Depreciation & Amortization | 16.36M | 16.36M | 19.23M | 20.06M | 22.63M | 24.38M |
| Change in Other Net Operating Assets | 2.12M | 3.73M | 113.42M | 2.87M | 14.07M | -50.27M |
| Other Operating Activities | -192.52M | -123.29M | 75.79M | 245.71M | 208.31M | 182.43M |
| Operating Cash Flow | -174.04M | -103.21M | 73.39M | 96.45M | -112.33M | -113.98M |
| Capital Expenditures | -4.73M | -5.94M | -10.71M | -2.69M | -10.48M | -6.99M |
| Investment in Securities | -63.87M | -63.13M | 5.82M | -4.31M | -36.79M | -25.24M |
| Other Investing Activities | 73.35M | 71.71M | 11.42M | 67.87M | 67.62M | 60.97M |
| Investing Cash Flow | 4.57M | 177.91K | 1.69M | 39.59M | 923.90K | 21.04M |
| Total Debt Repaid | -81.99M | |||||
| Net Debt Issued (Repaid) | -81.99M | |||||
| Common Dividends Paid | -69.04K | -2.95M | -8.67M | -193.06K | -42.75M | |
| Other Financing Activities | -15.30M | 121.06K | -29.87M | 11.61M | -98.78M | 121.68M |
| Financing Cash Flow | -15.30M | 52.01K | -32.81M | 2.94M | -98.98M | -3.06M |
| Miscellaneous Cash Flow Adjustments | 1.00 | 1.00 | ||||
| Net Cash Flow | -184.77M | -102.98M | 42.27M | 138.97M | -210.39M | -96.00M |
| Free Cash Flow | -178.77M | -109.15M | 62.69M | 93.76M | -122.82M | -120.98M |
| Free Cash Flow Margin | -4.56% | -2.76% | 1.63% | 2.27% | -2.90% | -2.75% |
| Free Cash Flow Per Share | -5.86 | -3.58 | 2.05 | 3.07 | -4.02 | -3.96 |
| Levered Free Cash Flow | -12.22M | 8.81M | 271.11M | -74.55M | 170.13M | 63.05M |
| Unlevered Free Cash Flow | -9.11M | 11.92M | 275.63M | -68.67M | 182.60M | 74.12M |
| Cash Income Tax Paid | 26.24M | 26.24M | 15.31M | 17.10M | 27.68M | 34.02M |
| Change in Working Capital | 2.12M | 3.73M | 113.42M | 2.87M | 14.07M | -50.27M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.07B | 1.01B | 952.23M | 1.61B | 1.63B | 1.75B |
| Enterprise Value | 985.30M | 714.61M | 687.78M | 1.51B | 1.36B | 1.36B |
| PS Ratio | 0.27 | 0.26 | 0.25 | 0.39 | 0.38 | 0.40 |
| PB Ratio | 2.59 | 2.48 | 2.83 | 3.82 | 3.62 | 3.74 |
| P/FCF Ratio | 15.19 | 17.15 | ||||
| P/OCF Ratio | 12.97 | 16.68 | ||||
| EV/Sales Ratio | 0.25 | 0.18 | 0.18 | 0.37 | 0.32 | 0.31 |
| EV/FCF Ratio | 10.97 | 16.13 | ||||
| Debt / Equity Ratio | 0.05 | 0.09 | 0.08 | 0.09 | 0.10 | |
| Debt / FCF Ratio | 0.46 | 0.37 | ||||
| Net Debt / Equity Ratio | -0.85 | -2.46 | -3.26 | -2.49 | -2.00 | -2.36 |
| Net Debt / EBITDA Ratio | 1.52 | 26.68 | 8.27 | 7.21 | 4.18 | 9.44 |
| Net Debt / FCF Ratio | 1.97 | 9.15 | -17.46 | -11.16 | 7.34 | 9.14 |
| Quick Ratio | 2.38 | 9.00 | 8.82 | 15.56 | 11.65 | 14.37 |
| Current Ratio | 2.58 | 9.29 | 9.14 | 16.15 | 12.25 | 15.29 |
| Asset Turnover | 0.48 | 0.45 | 0.43 | 0.45 | 0.45 | 0.46 |
| Return on Equity (ROE) | -69.62% | -20.01% | -43.54% | -42.69% | -79.19% | -57.88% |
| Return on Assets (ROA) | -1.83% | -0.33% | -1.01% | -1.09% | -1.55% | -0.88% |
| Return on Invested Capital (ROIC) | -57.40% | -11.86% | -35.31% | -33.45% | -46.04% | -27.05% |
| Earnings Yield | -26.90% | -9.78% | -14.18% | -10.71% | -21.93% | -15.42% |
| FCF Yield | -16.69% | -10.84% | 6.58% | 5.83% | -7.54% | -6.89% |
| Dividend Yield | 0.07% | 0.08% | 0.19% | 0.38% | ||
| Total Shareholder Return | 0.07% | 0.08% | 0.19% | 0.38% |