DSE : PURABIGEN
Purabi General Insurance Company Limited — Financial statements
Insurance Carriers · Bangladesh
Last price 28.9 BDT (At close: Oct 29, 2026) · Market cap 1.73B
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Premiums & Annuity Revenue | 185.57M | 114.28M | 133.69M | 57.90M | 81.85M | |
| Total Interest & Dividend Income | 90.32M | 102.58M | 88.94M | 103.33M | 91.77M | 64.66M |
| Gain (Loss) on Sale of Investments | -349.25K | -349.25K | -1.71M | 5.56M | 11.99M | 16.68M |
| Other Revenue | 20.60M | 19.75M | 18.80M | 18.66M | 12.42M | |
| Total Revenue | 296.14M | 236.26M | 239.72M | 108.89M | 180.33M | 175.61M |
| Policy Benefits | 65.70M | 45.04M | 24.65M | -4.37M | 24.04M | |
| Policy Acquisition & Underwriting Costs | 37.23M | 23.26M | 21.10M | 17.19M | 5.64M | |
| Depreciation & Amortization | 4.54M | 4.54M | 3.98M | 2.01M | 1.51M | 905.39K |
| Selling, General & Administrative | 52.56M | 52.93M | 49.66M | 3.60M | 35.91M | 28.19M |
| Total Operating Expenses | 160.03M | 125.78M | 99.39M | 5.61M | 50.25M | 58.77M |
| Operating Income | 136.10M | 110.48M | 140.33M | 103.28M | 130.08M | 116.83M |
| Interest Expense | -650.61K | -650.61K | -813.34K | -648.02K | -4.97M | -1.39M |
| Other Non Operating Income (Expenses) | -150.00K | |||||
| EBT Excluding Unusual Items | 135.45M | 109.83M | 139.52M | 102.63M | 125.11M | 115.29M |
| Gain (Loss) on Sale of Assets | 110.00K | 279.91K | ||||
| Pretax Income | 135.45M | 109.83M | 139.63M | 102.91M | 125.11M | 115.29M |
| Income Tax Expense | 49.66M | 37.55M | 47.79M | 31.98M | 41.41M | 35.57M |
| Net Income | 85.79M | 72.28M | 91.84M | 70.92M | 83.71M | 79.72M |
| Net Income to Common | 85.79M | 72.28M | 91.84M | 70.92M | 83.71M | 79.72M |
| Shares Outstanding (Basic) | 59.81M | 59.81M | 59.81M | 59.81M | 59.81M | 59.81M |
| Shares Outstanding (Diluted) | 59.81M | 59.81M | 59.81M | 59.81M | 59.81M | 59.81M |
| EPS (Basic) | 1.43 | 1.21 | 1.54 | 1.19 | 1.40 | 1.33 |
| EPS (Diluted) | 1.43 | 1.21 | 1.54 | 1.19 | 1.40 | 1.33 |
| Free Cash Flow | 125.29M | 79.31M | 86.74M | 64.51M | 210.48M | 61.71M |
| Free Cash Flow Per Share | 2.10 | 1.33 | 1.45 | 1.08 | 3.52 | 1.03 |
| Dividend Per Share | 1.00 | 1.00 | 1.00 | 1.00 | 0.68 | 0.97 |
| Operating Margin | 45.96% | 46.76% | 58.54% | 94.85% | 72.14% | 66.53% |
| Profit Margin | 28.97% | 30.60% | 38.31% | 65.14% | 46.42% | 45.40% |
| Free Cash Flow Margin | 42.31% | 33.57% | 36.18% | 59.25% | 116.72% | 35.14% |
| EBITDA | 138.37M | 112.97M | 144.31M | 105.29M | 131.59M | 117.74M |
| EBITDA Margin | 46.73% | 47.82% | 60.20% | 96.69% | 72.97% | 67.05% |
| D&A For EBITDA | 2.27M | 2.49M | 3.98M | 2.01M | 1.51M | 905.39K |
| EBIT | 136.10M | 110.48M | 140.33M | 103.28M | 130.08M | 116.83M |
| EBIT Margin | 45.96% | 46.76% | 58.54% | 94.85% | 72.14% | 66.53% |
| Effective Tax Rate | 36.66% | 34.19% | 34.23% | 31.08% | 33.09% | 30.85% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Investments in Equity & Preferred Securities | 98.99M | 94.59M | 70.59M | 61.53M | 54.12M | 36.61M |
| Total Investments | 158.99M | 94.59M | 70.59M | 61.53M | 54.12M | 36.61M |
| Cash & Equivalents | 834.98M | 794.09M | 817.23M | 831.98M | 904.07M | 718.97M |
| Reinsurance Recoverable | 384.89M | 364.49M | 178.01M | 157.26M | 136.75M | 156.81M |
| Other Receivables | 11.72M | 23.60M | 22.99M | 18.27M | 20.10M | 73.77M |
| Property, Plant & Equipment | 21.33M | 17.34M | 18.22M | 16.15M | 5.31M | 2.76M |
| Other Current Assets | 587.40M | 483.33M | 406.05M | 358.25M | 269.23M | 254.37M |
| Long-Term Deferred Tax Assets | 191.98K | 1.02M | 1.09M | 1.21M | 842.17K | 222.68K |
| Other Long-Term Assets | 5.65M | 66.19M | 60.28M | 5.46M | 5.59M | 5.34M |
| Total Assets | 2.01B | 1.84B | 1.57B | 1.45B | 1.40B | 1.25B |
| Accrued Expenses | 21.61M | 20.44M | 21.24M | 20.70M | 21.04M | |
| Insurance & Annuity Liabilities | 87.78M | 56.54M | 66.19M | 46.11M | 23.18M | 32.76M |
| Unpaid Claims | 209.76M | 265.67M | 57.65M | 57.84M | 48.83M | 47.48M |
| Unearned Premiums | 117.77M | 39.37M | 30.55M | 48.57M | 36.07M | 9.83M |
| Reinsurance Payable | 226.13M | 209.99M | 185.80M | 166.69M | 136.75M | 97.60M |
| Current Income Taxes Payable | 383.89M | 335.23M | 297.76M | 250.15M | 217.97M | 176.46M |
| Long-Term Debt | 79.70M | 46.55M | ||||
| Long-Term Leases | 4.65M | 6.19M | 8.08M | 9.82M | 587.98K | |
| Other Current Liabilities | 59.15M | 54.55M | 64.37M | 25.50M | 36.77M | 40.12M |
| Other Long-Term Liabilities | 13.78M | 647.92K | 648.94K | 725.60K | 649.95K | 640.11K |
| Total Liabilities | 1.10B | 989.80M | 731.49M | 626.65M | 601.21M | 472.49M |
| Common Stock | 598.13M | 598.13M | 598.13M | 598.13M | 580.70M | 580.70M |
| Retained Earnings | 296.66M | 269.35M | 244.85M | 224.85M | 212.00M | 186.36M |
| Comprehensive Income & Other | 7.46M | -12.63M | 493.54K | 2.10M | 9.31M | |
| Shareholders' Equity | 902.25M | 854.85M | 842.98M | 823.47M | 794.81M | 776.38M |
| Total Liabilities & Equity | 2.01B | 1.84B | 1.57B | 1.45B | 1.40B | 1.25B |
| Filing Date Shares Outstanding | 59.81M | 59.81M | 59.81M | 59.81M | 59.81M | 59.81M |
| Total Common Shares Outstanding | 59.81M | 59.81M | 59.81M | 59.81M | 59.81M | 59.81M |
| Total Debt | 4.65M | 6.19M | 8.08M | 9.82M | 80.28M | 46.55M |
| Net Cash (Debt) | 830.33M | 787.90M | 809.14M | 822.16M | 823.79M | 672.42M |
| Net Cash Per Share | 13.88 | 13.17 | 13.53 | 13.75 | 13.77 | 11.24 |
| Book Value Per Share | 15.08 | 14.29 | 14.09 | 13.77 | 13.29 | 12.98 |
| Tangible Book Value | 902.25M | 854.85M | 842.98M | 823.47M | 794.81M | 776.38M |
| Tangible Book Value Per Share | 15.08 | 14.29 | 14.09 | 13.77 | 13.29 | 12.98 |
| Machinery | 57.00M | 53.37M | 48.22M | 48.33M | 45.87M |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 85.79M | 72.28M | 91.84M | 70.92M | 83.71M | 79.72M |
| Depreciation & Amortization | 4.31M | 4.54M | 3.98M | 2.01M | 1.51M | 905.39K |
| Gain (Loss) on Sale of Investments | -228.26K | 349.25K | 1.54M | -6.37M | -12.01M | -16.68M |
| Reinsurance Recoverable | -186.48M | -186.48M | -20.75M | -20.51M | 20.05M | -16.82M |
| Change in Unearned Revenue | 8.82M | 8.82M | -18.02M | 12.50M | 26.24M | 8.54M |
| Change in Insurance Reserves / Liabilities | 198.37M | 198.37M | 19.89M | 31.94M | -8.23M | 21.46M |
| Change in Other Net Operating Assets | -52.23M | -76.99M | -53.39M | -85.55M | 21.22M | -63.38M |
| Other Operating Activities | 50.18M | 38.20M | 48.60M | 32.23M | 41.50M | 35.58M |
| Operating Cash Flow | 132.73M | 83.27M | 92.79M | 67.13M | 213.12M | 63.61M |
| Capital Expenditures | -7.44M | -3.96M | -6.05M | -2.62M | -2.65M | -1.90M |
| Sale of Property, Plant & Equipment | 310.00K | 110.00K | ||||
| Investment in Securities | -289.28K | -30.27M | -78.71M | -683.00K | -11.27M | -4.23M |
| Other Investing Activities | 602.95K | -3.07M | 19.96M | |||
| Investing Cash Flow | -7.42M | -34.23M | -84.05M | -6.37M | 6.04M | -6.13M |
| Long-Term Debt Issued | 28.27M | 12.39M | ||||
| Total Debt Repaid | -2.40M | -1.90M | -1.73M | -80.68M | -818.63K | -1.62M |
| Lease Payments | -2.40M | -1.90M | -1.73M | -986.91K | -818.63K | -1.62M |
| Net Debt Issued (Repaid) | -2.40M | -1.90M | -1.73M | -80.68M | 27.45M | 10.77M |
| Common Dividends Paid | -64.51M | -69.63M | -20.95M | -51.92M | -61.42M | -21.22M |
| Other Financing Activities | -146.59K | -650.61K | -813.34K | -247.12K | -93.37K | |
| Financing Cash Flow | -67.06M | -72.18M | -23.49M | -132.85M | -34.06M | -10.45M |
| Net Cash Flow | 58.26M | -23.14M | -14.75M | -72.09M | 185.10M | 47.03M |
| Free Cash Flow | 125.29M | 79.31M | 86.74M | 64.51M | 210.48M | 61.71M |
| Free Cash Flow Margin | 42.31% | 33.57% | 36.18% | 59.25% | 116.72% | 35.14% |
| Free Cash Flow Per Share | 2.10 | 1.33 | 1.45 | 1.08 | 3.52 | 1.03 |
| Levered Free Cash Flow | 83.08M | 74.71M | 98.43M | 28.74M | 240.47M | 30.78M |
| Unlevered Free Cash Flow | 83.49M | 75.12M | 98.94M | 29.14M | 243.58M | 31.65M |
| Free Cash Flow After Leases | 122.89M | 77.41M | 85.00M | 63.52M | 209.66M | 60.09M |
| Cash Interest Paid | 146.59K | 650.61K | 813.34K | 247.12K | 93.37K | |
| Cash Income Tax Paid | 62.06M | 60.88M | 30.17M | 53.65M | 46.93M | 30.54M |
| Change in Working Capital | -7.32M | -32.09M | -53.17M | -31.67M | 98.43M | -35.91M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.73B | 1.14B | 1.18B | 1.57B | 1.63B | 2.40B |
| Enterprise Value | 898.25M | 372.37M | 374.90M | 724.79M | 812.75M | 1.73B |
| PE Ratio | 20.15 | 15.80 | 12.83 | 22.18 | 19.49 | 30.08 |
| PS Ratio | 5.84 | 4.83 | 4.92 | 14.45 | 9.05 | 13.66 |
| PB Ratio | 1.92 | 1.34 | 1.40 | 1.91 | 2.05 | 3.09 |
| P/FCF Ratio | 13.80 | 14.40 | 13.58 | 24.39 | 7.75 | 38.86 |
| P/OCF Ratio | 13.02 | 13.72 | 12.70 | 23.43 | 7.66 | 37.70 |
| EV/Sales Ratio | 3.03 | 1.58 | 1.56 | 6.66 | 4.51 | 9.87 |
| EV/EBITDA Ratio | 6.40 | 3.30 | 2.60 | 6.88 | 6.18 | 14.72 |
| EV/EBIT Ratio | 6.60 | 3.37 | 2.67 | 7.02 | 6.25 | 14.84 |
| EV/FCF Ratio | 7.17 | 4.70 | 4.32 | 11.23 | 3.86 | 28.08 |
| Debt / Equity Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.10 | 0.06 |
| Debt / EBITDA Ratio | 0.03 | 0.05 | 0.06 | 0.09 | 0.61 | 0.40 |
| Debt / FCF Ratio | 0.04 | 0.08 | 0.09 | 0.15 | 0.38 | 0.75 |
| Net Debt / Equity Ratio | -0.92 | -0.92 | -0.96 | -1.00 | -1.04 | -0.87 |
| Net Debt / EBITDA Ratio | -6.00 | -6.97 | -5.61 | -7.81 | -6.26 | -5.71 |
| Net Debt / FCF Ratio | -6.63 | -9.93 | -9.33 | -12.74 | -3.91 | -10.90 |
| Quick Ratio | 0.84 | 0.87 | 1.26 | 1.47 | 1.83 | 1.85 |
| Current Ratio | 1.82 | 1.80 | 2.17 | 2.40 | 2.68 | 3.07 |
| Asset Turnover | 0.16 | 0.14 | 0.16 | 0.08 | 0.14 | 0.15 |
| Return on Equity (ROE) | 9.68% | 8.52% | 11.02% | 8.77% | 10.66% | 10.63% |
| Return on Assets (ROA) | 4.66% | 4.04% | 5.80% | 4.54% | 6.15% | 6.25% |
| Return on Invested Capital (ROIC) | 9.38% | 8.49% | 10.96% | 8.33% | 10.25% | 10.22% |
| Earnings Yield | 4.96% | 6.33% | 7.79% | 4.51% | 5.13% | 3.32% |
| FCF Yield | 7.25% | 6.94% | 7.36% | 4.10% | 12.90% | 2.57% |
| Dividend Yield | 3.46% | 5.24% | 5.08% | 3.80% | 2.49% | 2.42% |
| Payout Ratio | 75.20% | 96.33% | 22.81% | 73.20% | 73.38% | 26.62% |
| Total Shareholder Return | 3.46% | 5.24% | 5.08% | 3.80% | 2.49% | 2.42% |