DSE : STANDARINS
Standard Insurance PLC. — Financial statements
Insurance Carriers · Bangladesh
Last price 49.5 BDT (At close: Oct 29, 2026) · Market cap 2.14B
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Premiums & Annuity Revenue | 269.72M | 248.85M | 323.74M | 266.83M | 325.60M | 333.29M |
| Total Interest & Dividend Income | 110.84M | 117.65M | 107.69M | 66.80M | 72.77M | 61.12M |
| Gain (Loss) on Sale of Investments | 697.19K | 1.78M | 6.94M | 38.81M | ||
| Other Revenue | 41.49M | 49.60M | 40.46M | 60.97M | 69.40M | 59.16M |
| Total Revenue | 422.05M | 416.10M | 472.60M | 396.38M | 474.70M | 492.37M |
| Policy Benefits | 96.87M | 61.63M | 67.38M | 72.63M | 38.94M | 109.05M |
| Policy Acquisition & Underwriting Costs | 25.67M | 53.69M | 58.93M | 61.53M | 75.23M | 34.75M |
| Depreciation & Amortization | 15.39M | 15.39M | 15.24M | 15.92M | 16.01M | 15.51M |
| Selling, General & Administrative | 159.45M | 162.99M | 152.44M | 166.92M | 203.46M | 188.23M |
| Other Operating Expenses | -342.67K | -342.67K | -200.21K | -175.89K | ||
| Total Operating Expenses | 297.04M | 293.36M | 293.79M | 316.83M | 333.63M | 347.54M |
| Operating Income | 125.02M | 122.73M | 178.81M | 79.56M | 141.08M | 144.83M |
| Interest Expense | -3.75M | -3.75M | -4.34M | -1.99M | -2.50M | -2.99M |
| EBT Excluding Unusual Items | 121.27M | 118.99M | 174.46M | 77.57M | 138.58M | 141.84M |
| Gain (Loss) on Sale of Assets | 249.22K | 249.22K | 675.23K | 2.05K | 13.45K | |
| Pretax Income | 121.52M | 119.24M | 175.14M | 77.57M | 138.59M | 141.84M |
| Income Tax Expense | 52.99M | 51.97M | 46.65M | 15.49M | 40.71M | 21.57M |
| Net Income | 68.53M | 67.27M | 128.49M | 62.09M | 97.88M | 120.27M |
| Preferred Dividends & Other Adjustments | -37.44M | -37.44M | 28.46M | -29.38M | -3.84M | 21.01M |
| Net Income to Common | 105.98M | 104.71M | 100.03M | 91.47M | 101.73M | 99.26M |
| Shares Outstanding (Basic) | 43.30M | 43.30M | 43.30M | 43.30M | 43.30M | 43.30M |
| Shares Outstanding (Diluted) | 43.30M | 43.30M | 43.30M | 43.30M | 43.30M | 43.30M |
| EPS (Basic) | 2.45 | 2.42 | 2.31 | 2.11 | 2.35 | 2.29 |
| EPS (Diluted) | 2.45 | 2.42 | 2.31 | 2.11 | 2.35 | 2.29 |
| Free Cash Flow | 104.46M | 69.24M | 60.59M | 39.98M | 93.26M | 172.89M |
| Free Cash Flow Per Share | 2.41 | 1.60 | 1.40 | 0.92 | 2.15 | 3.99 |
| Dividend Per Share | 1.20 | 1.20 | 1.00 | 1.00 | 1.30 | 1.30 |
| Operating Margin | 29.62% | 29.50% | 37.84% | 20.07% | 29.72% | 29.42% |
| Profit Margin | 25.11% | 25.17% | 21.17% | 23.08% | 21.43% | 20.16% |
| Free Cash Flow Margin | 24.75% | 16.64% | 12.82% | 10.08% | 19.65% | 35.11% |
| EBITDA | 127.29M | 125.11M | 181.73M | 83.02M | 144.99M | 149.03M |
| EBITDA Margin | 30.16% | 30.07% | 38.45% | 20.94% | 30.54% | 30.27% |
| D&A For EBITDA | 2.28M | 2.37M | 2.93M | 3.46M | 3.91M | 4.20M |
| EBIT | 125.02M | 122.73M | 178.81M | 79.56M | 141.08M | 144.83M |
| EBIT Margin | 29.62% | 29.50% | 37.84% | 20.07% | 29.72% | 29.42% |
| Effective Tax Rate | 43.60% | 43.58% | 26.64% | 19.96% | 29.37% | 15.21% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Investments in Equity & Preferred Securities | 103.01M | 80.71M | 81.00M | 125.46M | 137.38M | 130.27M |
| Total Investments | 282.01M | 80.71M | 81.00M | 125.46M | 137.38M | 130.27M |
| Cash & Equivalents | 1.10B | 1.06B | 1.04B | 1.10B | 1.18B | 1.17B |
| Reinsurance Recoverable | 12.66M | 10.92M | 10.96M | 16.04M | 8.85M | |
| Other Receivables | 171.81M | 89.59M | 71.17M | 44.49M | 44.85M | 34.42M |
| Property, Plant & Equipment | 48.48M | 50.31M | 60.63M | 34.60M | 44.06M | 54.45M |
| Other Intangible Assets | 564.89K | 664.26K | 781.48K | 918.95K | 1.08M | |
| Other Current Assets | 122.11M | 200.11M | 167.18M | 126.60M | 110.42M | 98.51M |
| Other Long-Term Assets | 179.00M | 179.00M | 95.00M | 55.00M | 25.00M | |
| Total Assets | 1.73B | 1.67B | 1.61B | 1.54B | 1.58B | 1.52B |
| Accrued Expenses | 57.05M | 51.03M | 47.74M | 26.36M | 15.53M | |
| Insurance & Annuity Liabilities | 148.60M | 124.43M | 161.87M | 133.42M | 162.80M | 166.64M |
| Unpaid Claims | 206.76M | 189.96M | 159.53M | 153.14M | 161.92M | 213.47M |
| Unearned Premiums | 38.44M | 80.75M | 76.97M | 93.69M | 110.13M | 95.26M |
| Reinsurance Payable | 170.34M | 147.73M | 173.08M | 173.77M | 115.67M | |
| Current Income Taxes Payable | 47.71M | 43.89M | 16.11M | 25.99M | 21.97M | |
| Long-Term Leases | 31.21M | 38.85M | 9.56M | 17.48M | 25.63M | |
| Long-Term Deferred Tax Liabilities | 1.18M | -2.40M | -655.30K | 3.08M | 2.45M | |
| Other Current Liabilities | 263.92M | 2.37M | 2.38M | 2.84M | 2.82M | 2.57M |
| Other Long-Term Liabilities | 20.00 | |||||
| Total Liabilities | 690.97M | 711.85M | 687.63M | 636.54M | 685.14M | 659.59M |
| Common Stock | 432.97M | 432.97M | 432.97M | 432.97M | 432.97M | 432.97M |
| Retained Earnings | 660.47M | 600.96M | 556.41M | 499.68M | 434.74M | 418.51M |
| Comprehensive Income & Other | -55.06M | -74.76M | -68.64M | -28.01M | 31.44M | 7.67M |
| Shareholders' Equity | 1.04B | 959.17M | 920.74M | 904.64M | 899.14M | 859.15M |
| Total Liabilities & Equity | 1.73B | 1.67B | 1.61B | 1.54B | 1.58B | 1.52B |
| Filing Date Shares Outstanding | 43.30M | 43.30M | 43.30M | 43.30M | 43.30M | 43.30M |
| Total Common Shares Outstanding | 43.30M | 43.30M | 43.30M | 43.30M | 43.30M | 43.30M |
| Total Debt | 29.94M | 31.21M | 38.85M | 9.56M | 17.48M | 25.63M |
| Net Cash (Debt) | 1.07B | 1.03B | 998.95M | 1.09B | 1.16B | 1.14B |
| Net Cash Per Share | 24.83 | 23.72 | 23.07 | 25.26 | 26.75 | 26.34 |
| Book Value Per Share | 23.98 | 22.15 | 21.27 | 20.89 | 20.77 | 19.84 |
| Tangible Book Value | 1.04B | 958.60M | 920.07M | 903.86M | 898.22M | 858.07M |
| Tangible Book Value Per Share | 23.98 | 22.14 | 21.25 | 20.88 | 20.75 | 19.82 |
| Buildings | 12.62M | 12.62M | 12.62M | 12.62M | 12.62M | |
| Machinery | 68.56M | 68.51M | 68.37M | 67.99M | 66.40M |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 68.53M | 67.27M | 128.49M | 62.09M | 97.88M | 120.27M |
| Depreciation & Amortization | 15.20M | 15.29M | 15.24M | 15.92M | 16.01M | 15.51M |
| Other Amortization | 99.37K | 99.37K | ||||
| Gain (Loss) on Sale of Assets | -249.22K | -249.22K | -675.23K | -2.05K | -13.45K | |
| Gain (Loss) on Sale of Investments | -41.72K | -697.19K | -1.78M | -6.94M | -38.81M | |
| Reinsurance Recoverable | -1.74M | -1.74M | 45.41K | 5.08M | -7.19M | 1.61M |
| Change in Unearned Revenue | -20.40M | 3.78M | -16.72M | -16.44M | 14.87M | 64.99M |
| Change in Income Taxes | 14.14M | 14.14M | -10.90M | -3.95M | 256.50K | -7.33M |
| Change in Insurance Reserves / Liabilities | 57.09M | 30.43M | 6.39M | -8.78M | -51.55M | 39.52M |
| Change in Other Net Operating Assets | -67.12M | -97.43M | -24.99M | -13.03M | -16.73M | 5.90M |
| Other Operating Activities | 16.47M | 15.28M | -10.36M | 1.97M | -10.84M | -68.93M |
| Operating Cash Flow | 104.49M | 69.29M | 60.73M | 40.35M | 94.85M | 178.56M |
| Capital Expenditures | -33.18K | -50.48K | -141.03K | -372.36K | -1.59M | -5.67M |
| Investment in Securities | -6.91M | -6.50M | -84.00M | -57.42M | -30.18M | 22.01M |
| Other Investing Activities | 1.11M | 1.06M | 1.40M | 1.36M | 1.89M | 4.13M |
| Investing Cash Flow | -5.84M | -5.48M | -82.74M | -56.43M | -29.88M | 20.46M |
| Common Dividends Paid | -43.54M | -43.54M | -43.46M | -56.25M | -55.53M | -53.34M |
| Financing Cash Flow | -43.54M | -43.54M | -43.46M | -56.25M | -55.53M | -53.34M |
| Net Cash Flow | 55.12M | 20.27M | -65.48M | -72.33M | 9.45M | 145.68M |
| Free Cash Flow | 104.46M | 69.24M | 60.59M | 39.98M | 93.26M | 172.89M |
| Free Cash Flow Margin | 24.75% | 16.64% | 12.82% | 10.08% | 19.65% | 35.11% |
| Free Cash Flow Per Share | 2.41 | 1.60 | 1.40 | 0.92 | 2.15 | 3.99 |
| Levered Free Cash Flow | 103.28M | 51.86M | 38.88M | 108.02M | 206.19M | |
| Unlevered Free Cash Flow | 105.62M | 54.57M | 40.12M | 109.58M | 208.05M | |
| Cash Income Tax Paid | 60.27M | 60.76M | 16.11M | 27.67M | 41.51M | 54.65M |
| Change in Working Capital | 4.49M | -28.40M | -71.27M | -37.85M | -1.25M | 150.51M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 2.14B | 1.71B | 1.39B | 2.40B | 2.08B | 3.30B |
| Enterprise Value | 1.10B | 696.28M | 412.50M | 1.29B | 966.94M | 2.20B |
| PE Ratio | 19.66 | 16.37 | 13.94 | 26.22 | 20.43 | 33.24 |
| PS Ratio | 5.09 | 4.12 | 2.95 | 6.05 | 4.38 | 6.70 |
| PB Ratio | 2.07 | 1.79 | 1.51 | 2.65 | 2.31 | 3.84 |
| P/FCF Ratio | 20.25 | 24.76 | 23.01 | 60.00 | 22.29 | 19.08 |
| P/OCF Ratio | 20.15 | 24.74 | 22.96 | 59.45 | 21.91 | 18.48 |
| EV/Sales Ratio | 2.62 | 1.67 | 0.87 | 3.26 | 2.04 | 4.47 |
| EV/EBITDA Ratio | 7.61 | 5.57 | 2.27 | 15.56 | 6.67 | 14.76 |
| EV/EBIT Ratio | 8.50 | 5.67 | 2.31 | 16.24 | 6.85 | 15.19 |
| EV/FCF Ratio | 10.42 | 10.06 | 6.81 | 32.31 | 10.37 | 12.72 |
| Debt / Equity Ratio | 0.03 | 0.03 | 0.04 | 0.01 | 0.02 | 0.03 |
| Debt / EBITDA Ratio | 0.21 | 0.23 | 0.20 | 0.10 | 0.11 | 0.16 |
| Debt / FCF Ratio | 0.29 | 0.45 | 0.64 | 0.24 | 0.19 | 0.15 |
| Net Debt / Equity Ratio | -1.03 | -1.07 | -1.08 | -1.21 | -1.29 | -1.33 |
| Net Debt / EBITDA Ratio | -8.45 | -8.21 | -5.50 | -13.17 | -7.99 | -7.65 |
| Net Debt / FCF Ratio | -10.29 | -14.83 | -16.49 | -27.36 | -12.42 | -6.60 |
| Quick Ratio | 1.85 | 1.95 | 2.18 | 2.29 | 2.37 | 2.51 |
| Current Ratio | 2.02 | 2.48 | 2.67 | 2.64 | 2.69 | 2.82 |
| Asset Turnover | 0.25 | 0.30 | 0.25 | 0.31 | 0.35 | |
| Return on Equity (ROE) | 7.16% | 14.08% | 6.88% | 11.13% | 14.27% | |
| Return on Assets (ROA) | 4.68% | 7.10% | 3.18% | 5.68% | 6.42% | |
| Return on Invested Capital (ROIC) | 6.74% | 7.10% | 14.00% | 6.96% | 11.06% | 14.35% |
| Earnings Yield | 5.09% | 3.92% | 9.22% | 2.59% | 4.71% | 3.65% |
| FCF Yield | 4.94% | 4.04% | 4.35% | 1.67% | 4.49% | 5.24% |
| Dividend Yield | 2.42% | 3.03% | 3.11% | 1.80% | 2.71% | 1.71% |
| Payout Ratio | 71.85% | 64.72% | 33.83% | 90.60% | 56.73% | 44.35% |
| Total Shareholder Return | 2.25% | 3.03% | 3.11% | 1.80% | 2.71% | 1.71% |