DSE : TAKAFULINS
Takaful Islami Insurance PLC — Financial statements
Insurance Carriers · Bangladesh
Last price 45.6 BDT (At close: Oct 29, 2026) · Market cap 1.94B
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Premiums & Annuity Revenue | 526.45M | 574.75M | 479.88M | 498.81M | 357.89M | 363.85M |
| Total Interest & Dividend Income | 40.46M | 45.74M | 37.48M | 42.31M | 35.63M | 36.99M |
| Gain (Loss) on Sale of Investments | 564.55K | 564.55K | 9.85M | 3.52M | 8.51M | 26.68M |
| Other Revenue | 76.54M | 75.20M | 79.59M | 67.70M | 78.96M | 54.92M |
| Total Revenue | 644.02M | 696.26M | 606.82M | 612.35M | 480.99M | 482.45M |
| Policy Benefits | 407.88M | 442.44M | 7.63M | 74.63M | 2.52M | 24.04M |
| Policy Acquisition & Underwriting Costs | -160.44M | -105.20M | 96.88M | 96.45M | 85.93M | 31.43M |
| Depreciation & Amortization | 6.19M | |||||
| Selling, General & Administrative | 435.92M | 449.94M | 402.37M | 348.95M | 302.90M | 288.70M |
| Total Operating Expenses | 691.56M | 795.39M | 514.51M | 527.83M | 391.34M | 355.35M |
| Operating Income | -47.54M | -99.13M | 92.30M | 84.51M | 89.65M | 127.10M |
| Other Non Operating Income (Expenses) | -1.00 | -3.36M | ||||
| EBT Excluding Unusual Items | -47.54M | -99.13M | 92.30M | 84.51M | 89.65M | 123.74M |
| Gain (Loss) on Sale of Assets | 3.60M | 3.60M | 820.13K | 6.79K | ||
| Pretax Income | -43.93M | -95.53M | 93.12M | 84.52M | 89.65M | 123.74M |
| Income Tax Expense | 46.44M | 26.80M | 30.93M | 21.79M | 26.29M | 28.14M |
| Net Income | -90.38M | -122.33M | 62.19M | 62.72M | 63.35M | 95.59M |
| Preferred Dividends & Other Adjustments | -174.05M | -174.05M | ||||
| Net Income to Common | 83.68M | 51.73M | 62.19M | 62.72M | 63.35M | 95.59M |
| Shares Outstanding (Basic) | 42.56M | 42.59M | 42.59M | 42.59M | 42.59M | 42.59M |
| Shares Outstanding (Diluted) | 42.56M | 42.59M | 42.59M | 42.59M | 42.59M | 42.59M |
| EPS (Basic) | 1.97 | 1.21 | 1.46 | 1.47 | 1.49 | 2.24 |
| EPS (Diluted) | 1.97 | 1.21 | 1.46 | 1.47 | 1.49 | 2.24 |
| Free Cash Flow | 27.19M | 43.74M | 86.43M | -28.52M | 73.95M | 110.43M |
| Free Cash Flow Per Share | 0.64 | 1.03 | 2.03 | -0.67 | 1.74 | 2.59 |
| Dividend Per Share | 1.00 | 1.00 | 1.00 | 1.00 | 1.20 | 1.10 |
| Operating Margin | -7.38% | -14.24% | 15.21% | 13.80% | 18.64% | 26.34% |
| Profit Margin | 12.99% | 7.43% | 10.25% | 10.24% | 13.17% | 19.81% |
| Free Cash Flow Margin | 4.22% | 6.28% | 14.24% | -4.66% | 15.37% | 22.89% |
| EBITDA | -35.42M | -89.46M | 98.70M | 91.49M | 96.15M | 133.28M |
| EBITDA Margin | -5.50% | -12.85% | 16.27% | 14.94% | 19.99% | 27.63% |
| D&A For EBITDA | 12.11M | 9.67M | 6.40M | 6.98M | 6.51M | 6.19M |
| EBIT | -47.54M | -99.13M | 92.30M | 84.51M | 89.65M | 127.10M |
| EBIT Margin | -7.38% | -14.24% | 15.21% | 13.80% | 18.64% | 26.34% |
| Effective Tax Rate | 33.21% | 25.79% | 29.33% | 22.75% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Investments in Equity & Preferred Securities | 61.61M | 76.96M | 125.79M | 112.94M | 115.89M | |
| Total Investments | 130.15M | 61.61M | 76.96M | 125.79M | 112.94M | 115.89M |
| Cash & Equivalents | 768.13M | 819.55M | 833.46M | 772.57M | 757.10M | 789.25M |
| Reinsurance Recoverable | 8.73M | 14.83M | 22.68M | 40.44M | 40.44M | |
| Other Receivables | 256.26M | 282.30M | 221.44M | 182.64M | 142.33M | 127.08M |
| Property, Plant & Equipment | 120.73M | 127.54M | 124.22M | 126.87M | 131.85M | 117.09M |
| Other Intangible Assets | 601.47K | 408.12K | 510.15K | 522.57K | 653.21K | |
| Other Current Assets | 4.10M | |||||
| Other Long-Term Assets | 31.67M | 57.71M | 56.91M | 57.06M | 57.79M | 56.29M |
| Total Assets | 1.31B | 1.36B | 1.33B | 1.29B | 1.24B | 1.25B |
| Accrued Expenses | 83.29M | 69.49M | 59.15M | 58.17M | 36.74M | |
| Insurance & Annuity Liabilities | 160.44M | 230.22M | 192.22M | 199.81M | 143.27M | 145.65M |
| Unpaid Claims | 8.82M | 21.32M | 14.52M | 51.66M | 66.65M | 30.01M |
| Unearned Premiums | 108.56M | 75.22M | 45.90M | 22.09M | 22.77M | 25.80M |
| Reinsurance Payable | 13.49M | 18.39M | 14.10M | 111.57M | 132.72M | |
| Current Income Taxes Payable | 8.88M | 16.74M | -6.71M | 14.91M | 4.67M | |
| Long-Term Debt | 116.71M | 116.71M | 119.86M | 11.43M | 47.24M | |
| Long-Term Deferred Tax Liabilities | 1.44M | 1.56M | 1.46M | 930.27K | 796.56K | |
| Other Current Liabilities | 177.18M | 5.58M | 3.76M | 3.74M | 4.04M | 4.09M |
| Other Long-Term Liabilities | 1.00 | 6.30M | 48.58M | 5.70M | 3.17M | 2.98M |
| Total Liabilities | 455.00M | 563.69M | 528.25M | 471.23M | 437.21M | 431.27M |
| Common Stock | 425.87M | 425.87M | 425.87M | 425.87M | 425.87M | 425.87M |
| Retained Earnings | 77.62M | 439.83M | 430.69M | 411.09M | 399.47M | 382.96M |
| Comprehensive Income & Other | 352.55M | -71.35M | -56.57M | -20.07M | -19.57M | 6.62M |
| Shareholders' Equity | 856.04M | 794.35M | 800.00M | 816.88M | 805.77M | 815.45M |
| Total Liabilities & Equity | 1.31B | 1.36B | 1.33B | 1.29B | 1.24B | 1.25B |
| Filing Date Shares Outstanding | 42.59M | 42.59M | 42.59M | 42.59M | 42.59M | 42.59M |
| Total Common Shares Outstanding | 42.59M | 42.59M | 42.59M | 42.59M | 42.59M | 42.59M |
| Total Debt | 116.71M | 116.71M | 119.86M | 11.43M | 47.24M | |
| Net Cash (Debt) | 768.13M | 702.84M | 716.75M | 652.70M | 745.67M | 742.01M |
| Net Cash Per Share | 18.05 | 16.50 | 16.83 | 15.33 | 17.51 | 17.42 |
| Book Value Per Share | 20.10 | 18.65 | 18.79 | 19.18 | 18.92 | 19.15 |
| Tangible Book Value | 856.04M | 793.75M | 799.59M | 816.37M | 805.25M | 814.79M |
| Tangible Book Value Per Share | 20.10 | 18.64 | 18.78 | 19.17 | 18.91 | 19.13 |
| Land | 38.08M | 38.08M | 38.08M | 38.08M | 38.08M | |
| Machinery | 68.91M | 60.66M | 57.94M | 55.65M | 50.70M |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -90.38M | -122.33M | 62.19M | 62.72M | 63.35M | 123.74M |
| Depreciation & Amortization | 9.67M | 9.67M | 6.40M | 6.98M | 6.51M | 6.19M |
| Other Amortization | 125.76K | 125.76K | ||||
| Other Operating Activities | 109.59M | 170.78M | 22.13M | -95.52M | 25.22M | -16.45M |
| Operating Cash Flow | 29.01M | 58.24M | 90.73M | -25.82M | 95.08M | 113.47M |
| Capital Expenditures | -1.81M | -14.50M | -4.30M | -2.70M | -21.13M | -3.05M |
| Sale of Property, Plant & Equipment | 4.28M | 4.28M | 840.00K | 12.00K | ||
| Cash Acquisitions | -20.00M | |||||
| Investment in Securities | -26.25M | -19.34M | 19.36M | -13.36M | -23.44M | -5.88M |
| Other Investing Activities | -60.00M | |||||
| Investing Cash Flow | -23.79M | -49.56M | 15.90M | -16.05M | -44.57M | -68.93M |
| Long-Term Debt Issued | 20.00M | 108.44M | ||||
| Total Debt Repaid | -7.83M | -3.15M | -35.82M | -15.15M | ||
| Net Debt Issued (Repaid) | 12.18M | 20.00M | -3.15M | 108.44M | -35.82M | -15.15M |
| Common Dividends Paid | -42.59M | -42.59M | -42.59M | -51.10M | -46.85M | -42.59M |
| Other Financing Activities | 50.00M | |||||
| Financing Cash Flow | -30.41M | -22.59M | -45.74M | 57.33M | -82.67M | -7.74M |
| Net Cash Flow | -25.19M | -13.91M | 60.89M | 15.47M | -32.16M | 36.81M |
| Free Cash Flow | 27.19M | 43.74M | 86.43M | -28.52M | 73.95M | 110.43M |
| Free Cash Flow Margin | 4.22% | 6.28% | 14.24% | -4.66% | 15.37% | 22.89% |
| Free Cash Flow Per Share | 0.64 | 1.03 | 2.03 | -0.67 | 1.74 | 2.59 |
| Levered Free Cash Flow | -11.03M | -74.24M | 61.22M | -91.69M | 70.22M | 146.12M |
| Unlevered Free Cash Flow | -11.03M | -74.24M | 61.22M | -91.69M | 70.22M | 146.12M |
| Cash Income Tax Paid | 53.28M | 32.98M | 5.40M | 42.18M | 15.87M | 29.57M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.94B | 1.42B | 1.48B | 1.79B | 1.93B | 2.38B |
| Enterprise Value | 1.17B | 667.83M | 738.72M | 1.06B | 1.26B | 1.63B |
| PE Ratio | 23.19 | 27.42 | 23.83 | 28.58 | 30.52 | 24.90 |
| PS Ratio | 3.02 | 2.04 | 2.44 | 2.93 | 4.02 | 4.93 |
| PB Ratio | 2.27 | 1.78 | 1.85 | 2.19 | 2.40 | 2.92 |
| P/FCF Ratio | 71.41 | 32.42 | 17.15 | 26.15 | 21.56 | |
| P/OCF Ratio | 66.95 | 24.35 | 16.34 | 20.34 | 20.98 | |
| EV/Sales Ratio | 1.82 | 0.96 | 1.22 | 1.74 | 2.62 | 3.38 |
| EV/EBITDA Ratio | 7.48 | 11.64 | 13.09 | 12.24 | ||
| EV/EBIT Ratio | 8.00 | 12.60 | 14.04 | 12.83 | ||
| EV/FCF Ratio | 43.16 | 15.27 | 8.55 | 17.02 | 14.77 | |
| Debt / Equity Ratio | 0.15 | 0.15 | 0.15 | 0.01 | 0.06 | |
| Debt / EBITDA Ratio | 1.18 | 1.31 | 0.12 | 0.35 | ||
| Debt / FCF Ratio | 2.67 | 1.35 | 0.15 | 0.43 | ||
| Net Debt / Equity Ratio | -0.90 | -0.89 | -0.90 | -0.80 | -0.93 | -0.91 |
| Net Debt / EBITDA Ratio | 21.69 | 7.86 | -7.26 | -7.13 | -7.75 | -5.57 |
| Net Debt / FCF Ratio | -28.25 | -16.07 | -8.29 | 22.89 | -10.08 | -6.72 |
| Quick Ratio | 3.92 | 5.11 | 6.03 | 6.40 | 3.16 | 3.82 |
| Current Ratio | 3.93 | 5.34 | 6.34 | 6.79 | 3.38 | 4.09 |
| Asset Turnover | 0.49 | 0.52 | 0.46 | 0.48 | 0.39 | 0.41 |
| Return on Equity (ROE) | -10.80% | -15.35% | 7.69% | 7.73% | 7.81% | 12.10% |
| Return on Assets (ROA) | -2.26% | -4.61% | 4.41% | 4.17% | 4.50% | 6.71% |
| Return on Invested Capital (ROIC) | -5.60% | -10.85% | 6.65% | 7.15% | 7.54% | 11.62% |
| Earnings Yield | 4.31% | -8.63% | 4.20% | 3.50% | 3.28% | 4.02% |
| FCF Yield | 1.40% | 3.08% | 5.83% | -1.59% | 3.82% | 4.64% |
| Dividend Yield | 2.19% | 3.00% | 2.87% | 2.38% | 2.64% | 1.97% |
| Payout Ratio | 50.86% | 68.47% | 81.47% | 73.95% | 44.55% | |
| Total Shareholder Return | 2.57% | 3.00% | 2.87% | 2.38% | 2.64% | 1.97% |