DSE : RUPALILIFE

Rupali Life Insurance Company Limited — Financial statements

Insurance Carriers · Bangladesh

Last price 75.2 BDT (At close: Oct 29, 2026) · Market cap 2.26B

Latest research: Rupali Life Insurance financial analysis: premium at a seven-year low and a qualified audit on cash at bank (Oct 2026) · Rupali Life Insurance: gross premium of BDT 2.05bn in 2025, the lowest of seven years, and a qualified audit for a second year

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Financial statements

Income statement

Fiscal year January - December; amounts in BDT.

TTMFY2025FY2024FY2023FY2022FY2021
Premiums & Annuity Revenue2.05B2.05B2.18B2.32B2.13B2.51B
Total Interest & Dividend Income249.86M245.91M232.96M239.00M251.54M270.10M
Gain (Loss) on Sale of Investments470.01K470.01K2.92M1.35M10.19M35.59M
Other Revenue2.38M2.29M2.82M3.08M3.28M2.76M
Total Revenue2.30B2.30B2.42B2.57B2.39B2.81B
Policy Benefits1.41B1.41B1.65B1.73B1.69B1.54B
Policy Acquisition & Underwriting Costs398.10M391.58M410.01M451.22M457.96M610.23M
Amortization of Goodwill & Intangibles234.65K234.65K231.22K289.02K361.27K
Depreciation & Amortization25.76M25.76M23.72M25.36M29.64M31.22M
Selling, General & Administrative117.81M110.49M121.90M146.83M147.28M148.15M
Other Operating Expenses8.97M7.34M4.67M6.91M6.51M6.85M
Total Operating Expenses2.15B2.14B2.39B2.54B2.50B2.46B
Operating Income157.78M160.55M30.28M28.41M-110.91M350.37M
Interest Expense-83.26K-83.26K-164.10K-285.85K-74.16K-43.01K
Other Non Operating Income (Expenses)-35.08M-35.08M-41.82M-38.19M-59.91M-49.43M
EBT Excluding Unusual Items122.62M125.38M-11.71M-10.07M-170.89M300.90M
Gain (Loss) on Sale of Investments-8.89M
Gain (Loss) on Sale of Assets2.89M2.89M578.29K362.36K1.53M
Asset Writedown-7.81M-7.81M-9.46M-1.37M-9.45M-4.44M
Pretax Income117.70M120.47M-20.59M-20.33M-179.98M297.99M
Income Tax Expense39.80M39.80M36.18M36.58M36.58M64.55M
Net Income77.89M80.66M-56.77M-56.91M-216.56M233.43M
Net Income to Common77.89M80.66M-56.77M-56.91M-216.56M233.43M
Shares Outstanding (Basic)30.01M30.01M30.01M30.01M30.01M
Shares Outstanding (Diluted)30.01M30.01M30.01M30.01M30.01M
EPS (Basic)2.602.69-1.89-1.907.78
EPS (Diluted)2.602.69-1.89-1.907.78
Free Cash Flow-158.59M-84.81M-453.88M-179.45M-362.00M-175.76M
Free Cash Flow Per Share-5.28-2.83-15.12-5.98-5.86
Dividend Per Share1.001.201.80
Operating Margin6.85%6.99%1.25%1.11%-4.64%12.45%
Profit Margin3.38%3.51%-2.34%-2.22%-9.05%8.30%
Free Cash Flow Margin-6.88%-3.69%-18.73%-7.00%-15.14%-6.25%
EBITDA184.12M185.61M52.78M52.59M-81.52M381.01M
EBITDA Margin7.99%8.08%2.18%2.05%-3.41%13.54%
D&A For EBITDA26.34M25.06M22.50M24.18M29.39M30.64M
EBIT157.78M160.55M30.28M28.41M-110.91M350.37M
EBIT Margin6.85%6.99%1.25%1.11%-4.64%12.45%
Effective Tax Rate33.82%33.04%21.66%

Balance sheet

Fiscal year January - December; amounts in BDT.

TTMFY2025FY2024FY2023FY2022FY2021
Investments in Debt Securities2.14B2.13B2.08B2.11B2.09B2.06B
Investments in Equity & Preferred Securities22.37M22.71M29.67M36.63M36.52M48.66M
Policy Loans97.83M97.26M96.02M94.77M98.06M98.27M
Other Investments200.00M200.06M200.44M200.01M200.00M200.00M
Total Investments2.46B2.45B2.40B2.44B2.43B2.41B
Cash & Equivalents1.41B1.56B1.51B1.67B1.66B1.77B
Other Receivables805.90M811.87M808.14M792.33M810.23M868.52M
Property, Plant & Equipment833.99M825.43M847.19M777.05M665.97M683.72M
Other Intangible Assets725.35K938.61K924.86K1.16M1.45M1.81M
Other Current Assets402.51M363.73M301.15M263.70M242.76M255.75M
Other Long-Term Assets273.43M313.00M311.14M380.31M381.48M402.88M
Total Assets6.18B6.33B6.18B6.32B6.19B6.40B
Accrued Expenses64.66M64.72M70.05M66.53M50.92M
Insurance & Annuity Liabilities4.86B5.01B4.95B5.01B5.07B5.28B
Unpaid Claims4.02M3.93M5.31M4.87M4.09M4.38M
Reinsurance Payable6.74M9.52M5.57M869.27K2.86M2.05M
Current Income Taxes Payable319.81M319.20M279.40M243.22M212.33M235.25M
Long-Term Leases2.81M2.32M2.99M4.20M871.26K1.10M
Other Current Liabilities1.37M89.63M82.20M68.72M41.33M30.92M
Other Long-Term Liabilities102.59M-55.83M-92.05M31.94M19.99M22.19M
Total Liabilities5.29B5.44B5.30B5.44B5.42B5.63B
Common Stock300.14M300.14M300.14M300.14M300.14M300.14M
Additional Paid-In Capital240.17M240.17M240.17M240.17M240.17M240.17M
Comprehensive Income & Other344.37M344.37M344.37M344.37M227.60M227.60M
Shareholders' Equity884.68M884.68M884.68M884.68M767.91M767.91M
Total Liabilities & Equity6.18B6.33B6.18B6.32B6.19B6.40B
Filing Date Shares Outstanding30.01M30.01M30.01M30.01M30.01M
Total Common Shares Outstanding30.01M30.01M30.01M30.01M30.01M
Total Debt2.81M2.32M2.99M4.20M871.26K1.10M
Net Cash (Debt)1.40B1.56B1.51B1.66B1.66B1.77B
Net Cash Per Share46.7551.9650.3255.4759.10
Book Value Per Share29.4829.4829.4829.4825.58
Tangible Book Value883.95M883.74M883.75M883.52M766.47M766.11M
Tangible Book Value Per Share29.4529.4429.4429.4425.52
Land460.17M460.17M459.72M342.96M342.96M
Buildings404.33M402.45M316.77M316.77M316.77M
Machinery375.51M383.21M383.96M369.15M362.98M

Cash flow statement

Fiscal year January - December; amounts in BDT.

TTMFY2025FY2024FY2023FY2022FY2021
Net Income57.60M60.37M-62.51M-56.91M-216.56M233.43M
Depreciation & Amortization25.76M25.76M23.72M25.36M29.64M30.64M
Other Amortization234.65K234.65K231.22K289.02K361.27K451.59K
Gain (Loss) on Sale of Assets-2.89M-2.89M-578.29K-362.36K-1.53M
Gain (Loss) on Sale of Investments-470.01K-470.01K-2.92M7.55M-10.19M-35.59M
Change in Accounts Receivable4.79M4.79M-19.37M8.37M19.39M-185.37M
Change in Insurance Reserves / Liabilities-1.38M-1.38M437.41K786.22K-294.29K794.63K
Change in Other Net Operating Assets62.66M62.66M-111.65M53.64M22.92M-18.75M
Other Operating Activities-311.63M-238.76M-198.47M-203.41M-203.76M-186.22M
Operating Cash Flow-155.76M-80.13M-358.90M-164.12M-349.56M-154.97M
Capital Expenditures-2.83M-4.68M-94.98M-15.33M-12.44M-20.79M
Sale of Property, Plant & Equipment3.33M3.33M1.71M161.06K922.52K1.74M
Investment in Securities-60.40M-56.01M30.73M-23.63M-14.00M-24.51M
Other Investing Activities226.06M215.86M232.32M244.42M290.60M290.86M
Investing Cash Flow166.91M158.00M239.66M209.68M287.16M220.98M
Common Dividends Paid-29.53M-29.53M-36.46M-34.36M-54.63M-37.37M
Financing Cash Flow-29.53M-29.53M-36.46M-34.36M-54.63M-37.37M
Miscellaneous Cash Flow Adjustments-1.00-1.00
Net Cash Flow-18.39M48.34M-155.70M11.20M-117.02M28.64M
Free Cash Flow-158.59M-84.81M-453.88M-179.45M-362.00M-175.76M
Free Cash Flow Margin-6.88%-3.69%-18.73%-7.00%-15.14%-6.25%
Free Cash Flow Per Share-5.28-2.83-15.12-5.98-5.86
Levered Free Cash Flow83.02M104.09M-56.01M84.70M23.28M116.25M
Unlevered Free Cash Flow83.07M104.14M-55.91M84.88M23.32M116.28M
Cash Income Tax Paid62.03M62.03M35.29M29.74M43.43M27.22M
Change in Working Capital67.83M67.83M-127.82M61.63M41.85M-200.60M

Ratios

Fiscal year January - December; amounts in BDT.

TTMFY2025FY2024FY2023FY2022FY2021
Market Capitalization2.26B2.34B3.27B3.57B2.40B1.82B
Enterprise Value853.99M979.59M2.09B2.23B602.21M55.14M
PE Ratio28.9829.067.78
PS Ratio0.981.021.351.391.000.65
PB Ratio2.552.653.704.043.122.37
EV/Sales Ratio0.370.430.860.870.250.02
EV/EBITDA Ratio4.625.2839.5142.330.14
EV/EBIT Ratio5.416.1068.8778.350.16
Debt / Equity Ratio0.000.000.000.010.000.00
Debt / EBITDA Ratio0.020.010.060.080.00
Net Debt / Equity Ratio-1.59-1.76-1.71-1.88-2.16-2.31
Net Debt / EBITDA Ratio-7.62-8.40-28.62-31.6620.33-4.66
Net Debt / FCF Ratio8.8518.393.339.284.5810.09
Quick Ratio6.464.725.166.177.307.81
Current Ratio7.885.626.007.038.288.96
Asset Turnover0.380.370.390.410.380.45
Return on Equity (ROE)8.80%9.12%-6.42%-6.89%-28.20%30.51%
Return on Assets (ROA)1.61%1.60%0.30%0.28%-1.10%3.51%
Return on Invested Capital (ROIC)11.77%12.12%3.41%3.43%-14.42%35.85%
Earnings Yield3.45%3.44%-1.74%-1.59%-9.03%12.86%
FCF Yield-7.03%-3.62%-13.87%-5.02%-15.10%-9.68%
Dividend Yield1.33%0.92%1.01%2.97%
Payout Ratio37.91%36.61%16.01%
Total Shareholder Return1.33%0.92%1.01%2.97%