DSE : SUNLIFEINS
Sunlife Insurance Company Limited — Financial statements
Insurance Carriers · Bangladesh
Last price 49.1 BDT (At close: Oct 28, 2026) · Market cap 1.76B
Latest research: Sunlife Insurance financial analysis: premium and life fund at seven-year lows in 2025 (Oct 2026) · Sunlife Insurance: gross premium of BDT 186.7m in 2025 and a life fund of BDT 533.7m, both the lowest of seven years
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Premiums & Annuity Revenue | 135.81M | 186.69M | 237.56M | 780.90M | 903.12M | 1.03B |
| Total Interest & Dividend Income | 36.79M | 36.73M | 29.19M | 25.87M | 46.45M | 57.29M |
| Other Revenue | 7.00K | 14.50K | 66.42K | 3.06M | 1.35M | 3.95M |
| Total Revenue | 172.61M | 223.43M | 266.82M | 809.82M | 950.92M | 1.09B |
| Policy Benefits | 43.35M | 139.03M | 114.59M | 586.02M | 1.09B | 1.00B |
| Policy Acquisition & Underwriting Costs | 13.55M | 17.17M | 47.22M | 216.68M | 246.58M | 205.83M |
| Depreciation & Amortization | 23.45M | 20.06M | 15.28M | 36.35M | 60.28M | 64.24M |
| Selling, General & Administrative | 36.98M | 44.03M | 61.33M | 76.19M | 119.12M | 221.90M |
| Other Operating Expenses | 289.43K | 328.07K | -89.58K | -4.64M | -3.03K | 35.15M |
| Total Operating Expenses | 156.74M | 260.57M | 292.90M | 993.70M | 1.62B | 1.64B |
| Operating Income | 15.87M | -37.14M | -26.08M | -183.88M | -670.70M | -552.81M |
| Interest Expense | -13.68M | -10.42M | -164.22K | -1.07M | -1.68M | |
| Other Non Operating Income (Expenses) | -813.18K | -1.06M | -1.71M | -2.75M | -3.05M | -5.77M |
| EBT Excluding Unusual Items | 1.37M | -48.62M | -27.96M | -186.63M | -674.82M | -560.26M |
| Gain (Loss) on Sale of Assets | 7.89M | 16.68M | 20.44M | 204.77M | ||
| Pretax Income | 9.26M | -31.94M | -7.52M | 18.14M | -674.82M | -560.26M |
| Income Tax Expense | 15.00M | 15.02M | 15.63M | |||
| Earnings From Continuing Ops. | -5.74M | -31.94M | -7.52M | 3.12M | -690.44M | -560.26M |
| Net Income | -5.74M | -31.94M | -7.52M | 3.12M | -690.44M | -560.26M |
| Net Income to Common | -5.74M | -31.94M | -7.52M | 3.12M | -690.44M | -560.26M |
| Shares Outstanding (Basic) | 35.76M | 35.76M | 35.76M | 35.76M | 35.76M | 35.76M |
| Shares Outstanding (Diluted) | 35.76M | 35.76M | 35.76M | 35.76M | 35.76M | 35.76M |
| EPS (Basic) | -0.16 | -0.89 | -0.21 | 0.09 | -19.31 | -15.67 |
| EPS (Diluted) | -0.16 | -0.89 | -0.21 | 0.09 | -19.31 | -15.67 |
| Free Cash Flow | -56.44M | -122.25M | -120.40M | 36.77M | -330.85M | -650.03M |
| Free Cash Flow Per Share | -1.58 | -3.42 | -3.37 | 1.03 | -9.25 | -18.18 |
| Dividend Per Share | 0.01 | 0.05 | ||||
| Operating Margin | 9.19% | -16.62% | -9.78% | -22.71% | -70.53% | -50.68% |
| Profit Margin | -3.32% | -14.30% | -2.82% | 0.39% | -72.61% | -51.36% |
| Free Cash Flow Margin | -32.70% | -54.71% | -45.12% | 4.54% | -34.79% | -59.59% |
| EBITDA | 33.47M | -22.92M | -10.80M | -147.53M | -610.41M | -488.57M |
| EBITDA Margin | 19.39% | -10.26% | -4.05% | -18.22% | -64.19% | -44.79% |
| D&A For EBITDA | 17.60M | 14.22M | 15.28M | 36.35M | 60.28M | 64.24M |
| EBIT | 15.87M | -37.14M | -26.08M | -183.88M | -670.70M | -552.81M |
| EBIT Margin | 9.19% | -16.62% | -9.78% | -22.71% | -70.53% | -50.68% |
| Effective Tax Rate | 161.94% | 82.81% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Investments in Debt Securities | 2.50M | 4.02M | 2.50M | 2.50M | 22.50M | 22.50M |
| Investments in Equity & Preferred Securities | 311.21M | 169.04M | 172.28M | 169.44M | 169.77M | 172.06M |
| Policy Loans | 4.56M | 4.56M | 4.56M | 4.56M | 4.35M | 4.47M |
| Other Investments | 312.04M | 315.00M | 305.52M | 315.31M | 322.84M | 436.62M |
| Total Investments | 630.31M | 492.62M | 484.86M | 491.80M | 519.46M | 635.66M |
| Cash & Equivalents | 49.87M | 57.35M | 93.97M | 233.98M | 91.70M | 196.42M |
| Other Receivables | 398.55M | 398.98M | 398.30M | 406.10M | 294.09M | 381.96M |
| Property, Plant & Equipment | 106.28M | 121.32M | 148.57M | 137.27M | 509.68M | 572.20M |
| Other Current Assets | 383.62M | 309.42M | 290.26M | 339.45M | ||
| Other Long-Term Assets | 37.10M | 420.58M | 409.83M | 51.73M | 55.23M | 62.99M |
| Total Assets | 1.61B | 1.49B | 1.54B | 1.63B | 1.76B | 2.19B |
| Accrued Expenses | 18.04M | 17.24M | 16.76M | 17.18M | 18.00M | 15.00M |
| Insurance & Annuity Liabilities | 496.27M | 533.72M | 565.66M | 573.19M | 570.07M | 1.26B |
| Unpaid Claims | 300.57M | 316.88M | 405.69M | 508.63M | 324.40M | 26.35M |
| Unearned Premiums | 120.45K | 120.45K | 677.53K | 461.51K | 1.08M | |
| Reinsurance Payable | 9.91M | 9.90M | 9.87M | 9.45M | 8.86M | 8.27M |
| Short-Term Debt | 100.31M | 97.01M | 17.83M | |||
| Current Income Taxes Payable | 35.10M | 20.10M | 20.10M | 20.09M | 5.07M | |
| Long-Term Debt | 7.06M | 5.21M | 5.18M | 5.37M | ||
| Long-Term Leases | 14.48M | 14.48M | 14.48M | 14.48M | 14.48M | 17.92M |
| Other Current Liabilities | 6.25M | 5.89M | 6.00M | 51.86M | 110.04M | 98.90M |
| Other Long-Term Liabilities | 235.18M | 107.49M | 111.11M | 61.51M | 346.25M | 397.69M |
| Total Liabilities | 1.25B | 1.13B | 1.18B | 1.27B | 1.40B | 1.83B |
| Common Stock | 357.61M | 357.61M | 357.61M | 357.61M | 357.61M | 357.61M |
| Total Common Equity | 357.61M | 357.61M | 357.61M | 357.61M | 357.61M | 357.61M |
| Shareholders' Equity | 357.61M | 357.61M | 357.61M | 357.61M | 357.61M | 357.61M |
| Total Liabilities & Equity | 1.61B | 1.49B | 1.54B | 1.63B | 1.76B | 2.19B |
| Filing Date Shares Outstanding | 35.76M | 35.76M | 35.76M | 35.76M | 35.76M | 35.76M |
| Total Common Shares Outstanding | 35.76M | 35.76M | 35.76M | 35.76M | 35.76M | 35.76M |
| Total Debt | 121.86M | 111.49M | 32.31M | 19.70M | 19.66M | 23.28M |
| Net Cash (Debt) | -71.99M | -54.14M | 61.66M | 214.29M | 72.04M | 173.13M |
| Net Cash Per Share | -2.01 | -1.51 | 1.72 | 5.99 | 2.01 | 4.84 |
| Book Value Per Share | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Tangible Book Value | 357.61M | 357.61M | 357.61M | 357.61M | 357.61M | 357.61M |
| Tangible Book Value Per Share | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Land | 135.50M | 331.58M | 331.58M | |||
| Buildings | 135.50M | 135.50M | 135.50M | 135.50M | 135.50M | |
| Machinery | 388.35M | 415.65M | 433.81M | 431.11M | 427.16M |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -5.74M | -31.94M | -7.52M | 3.12M | -690.44M | -560.26M |
| Depreciation & Amortization | 23.45M | 20.06M | 15.28M | 36.35M | 60.28M | 64.24M |
| Change in Accounts Receivable | 2.00M | 500.00K | 1.07M | -112.13M | 82.35M | -33.67M |
| Change in Insurance Reserves / Liabilities | -78.38M | -88.67M | -102.94M | 184.23M | 298.05M | 9.47M |
| Change in Other Net Operating Assets | 26.04M | 14.80M | 5.17M | -48.18M | -28.56M | -75.58M |
| Other Operating Activities | -24.02M | -37.09M | -30.98M | -25.87M | -46.45M | -53.57M |
| Operating Cash Flow | -56.44M | -122.12M | -120.40M | 36.77M | -325.78M | -650.03M |
| Capital Expenditures | 2.81K | -127.61K | -5.07M | |||
| Sale of Property, Plant & Equipment | 33.90M | 66.78M | 468.86M | |||
| Investment in Securities | 19.11M | 7.76M | 6.94M | 27.87M | 116.08M | 17.31M |
| Other Investing Activities | 34.71M | 35.90M | 37.71M | 24.84M | 51.97M | 53.23M |
| Investing Cash Flow | 35.45M | 86.28M | 30.35M | 105.51M | 221.06M | 386.12M |
| Common Dividends Paid | -312.13K | -353.63K | -3.59M | |||
| Financing Cash Flow | -312.13K | -353.63K | -3.59M | |||
| Miscellaneous Cash Flow Adjustments | 1.79M | |||||
| Net Cash Flow | -21.30M | -36.20M | -88.26M | 142.28M | -104.71M | -267.49M |
| Free Cash Flow | -56.44M | -122.25M | -120.40M | 36.77M | -330.85M | -650.03M |
| Free Cash Flow Margin | -32.70% | -54.71% | -45.12% | 4.54% | -34.79% | -59.59% |
| Free Cash Flow Per Share | -1.58 | -3.42 | -3.37 | 1.03 | -9.25 | -18.18 |
| Levered Free Cash Flow | -113.86M | -98.78M | 166.63M | -69.83M | 89.66M | -471.52M |
| Unlevered Free Cash Flow | -105.30M | -92.26M | 166.74M | -69.83M | 90.33M | -470.47M |
| Change in Working Capital | -50.13M | -73.15M | -97.18M | 23.17M | 350.83M | -100.44M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.73B | 1.85B | 2.50B | 1.89B | 2.03B | 1.22B |
| Enterprise Value | 1.80B | 1.90B | 2.34B | 1.82B | 1.76B | 510.45M |
| PE Ratio | 606.44 | |||||
| PS Ratio | 10.01 | 8.26 | 9.36 | 2.34 | 2.14 | 1.12 |
| PB Ratio | 4.83 | 5.16 | 6.98 | 5.29 | 5.69 | 3.41 |
| P/FCF Ratio | 51.45 | |||||
| P/OCF Ratio | 51.45 | |||||
| EV/Sales Ratio | 10.42 | 8.50 | 8.76 | 2.25 | 1.85 | 0.47 |
| EV/FCF Ratio | 49.49 | |||||
| Debt / Equity Ratio | 0.34 | 0.31 | 0.09 | 0.06 | 0.06 | 0.07 |
| Debt / EBITDA Ratio | 3.10 | |||||
| Debt / FCF Ratio | 0.54 | |||||
| Net Debt / Equity Ratio | 0.20 | 0.15 | -0.17 | -0.60 | -0.20 | -0.48 |
| Net Debt / EBITDA Ratio | 2.15 | -2.36 | 5.71 | 1.45 | 0.12 | 0.35 |
| Net Debt / FCF Ratio | -1.28 | -0.44 | 0.51 | -5.83 | 0.22 | 0.27 |
| Quick Ratio | 0.94 | 0.96 | 1.02 | 1.03 | 0.80 | 3.74 |
| Current Ratio | 1.76 | 0.97 | 1.02 | 1.55 | 1.44 | 6.09 |
| Asset Turnover | 0.11 | 0.15 | 0.17 | 0.48 | 0.48 | 0.47 |
| Return on Equity (ROE) | -1.60% | -8.93% | -2.10% | 0.87% | -193.07% | -156.67% |
| Return on Assets (ROA) | 0.64% | -1.53% | -1.03% | -6.78% | -21.23% | -14.86% |
| Return on Invested Capital (ROIC) | -2.07% | -8.65% | -6.80% | -8.38% | -176.93% | -148.18% |
| Earnings Yield | -0.33% | -1.73% | -0.30% | 0.17% | -33.93% | -45.94% |
| FCF Yield | -3.27% | -6.62% | -4.82% | 1.94% | -16.26% | -53.31% |
| Dividend Yield | 0.02% | 0.01% | 0.10% | |||
| Total Shareholder Return | 0.02% | 0.01% | 0.10% |