DSE : TILIL
Trust Islami Life Insurance PLC. — Financial statements
Life Insurance · Bangladesh
Last price 42.4 BDT (At close: Oct 29, 2026) · Market cap 1.70B
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Premiums & Annuity Revenue | 515.40M | 514.23M | 507.14M | 371.21M | 294.74M | 278.79M |
| Other Revenue | 41.44M | 40.22M | 27.65M | 20.28M | 12.89M | 15.11M |
| Total Revenue | 556.84M | 554.45M | 534.79M | 391.50M | 307.63M | 293.90M |
| Policy Benefits | 95.48M | 88.45M | 86.21M | 88.99M | 54.03M | 32.83M |
| Policy Acquisition & Underwriting Costs | 65.14M | 58.52M | 54.91M | 49.37M | 45.14M | 56.87M |
| Depreciation & Amortization | 12.86M | 13.08M | 11.67M | 11.33M | 9.83M | 7.09M |
| Selling, General & Administrative | 74.71M | 73.62M | 70.42M | 47.11M | 35.84M | 42.79M |
| Total Operating Expenses | 441.16M | 455.25M | 414.18M | 308.38M | 248.36M | 250.29M |
| Operating Income | 115.68M | 99.19M | 120.61M | 83.12M | 59.28M | 43.61M |
| Interest Expense | -1.06M | -991.87K | -1.16M | -1.33M | -1.52M | -514.72K |
| Other Non Operating Income (Expenses) | -10.02M | -11.34M | -18.11M | -4.91M | -5.08M | -3.66M |
| Pretax Income | 104.60M | 86.86M | 101.33M | 76.87M | 52.67M | 39.43M |
| Income Tax Expense | 8.53M | 8.53M | 3.98M | |||
| Net Income | 96.06M | 78.33M | 97.36M | 76.87M | 52.67M | 39.43M |
| Net Income to Common | 96.06M | 78.33M | 97.36M | 76.87M | 52.67M | 39.43M |
| Shares Outstanding (Basic) | 40.00M | 40.00M | 40.00M | 24.00M | ||
| Shares Outstanding (Diluted) | 40.00M | 40.00M | 40.00M | 24.00M | ||
| EPS (Basic) | 2.40 | 1.96 | 2.43 | 2.19 | ||
| EPS (Diluted) | 2.40 | 1.96 | 2.43 | 2.19 | ||
| Free Cash Flow | 40.04M | 56.45M | 67.92M | 47.35M | 43.44M | 22.61M |
| Free Cash Flow Per Share | 1.00 | 1.41 | 1.70 | 1.81 | ||
| Dividend Per Share | 0.50 | 0.50 | ||||
| Operating Margin | 20.77% | 17.89% | 22.55% | 21.23% | 19.27% | 14.84% |
| Profit Margin | 17.25% | 14.13% | 18.20% | 19.63% | 17.12% | 13.42% |
| Free Cash Flow Margin | 7.19% | 10.18% | 12.70% | 12.09% | 14.12% | 7.69% |
| EBITDA | 122.67M | 107.07M | 126.51M | 88.90M | 64.28M | 49.15M |
| EBITDA Margin | 22.03% | 19.31% | 23.66% | 22.71% | 20.90% | 16.72% |
| D&A For EBITDA | 6.99M | 7.88M | 5.91M | 5.79M | 5.01M | 5.54M |
| EBIT | 115.68M | 99.19M | 120.61M | 83.12M | 59.28M | 43.61M |
| EBIT Margin | 20.77% | 17.89% | 22.55% | 21.23% | 19.27% | 14.84% |
| Effective Tax Rate | 8.16% | 9.82% | 3.93% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Investments in Debt Securities | 156.00M | 96.00M | 51.80M | 15.00M | 15.00M | 15.00M |
| Investments in Equity & Preferred Securities | 51.90M | 60.39M | 78.49M | 47.49M | ||
| Policy Loans | 3.95M | 3.31M | 3.19M | 1.97M | 2.00M | 1.23M |
| Total Investments | 211.85M | 159.70M | 133.47M | 64.46M | 17.00M | 16.23M |
| Cash & Equivalents | 458.45M | 531.09M | 457.97M | 361.76M | 355.63M | 265.07M |
| Reinsurance Recoverable | 3.16M | |||||
| Other Receivables | 65.51M | 61.58M | 48.73M | 6.72M | 7.41M | 9.86M |
| Property, Plant & Equipment | 51.06M | 31.37M | 36.39M | 33.05M | 39.69M | 32.11M |
| Other Current Assets | 49.78M | 38.27M | 58.62M | 21.48M | 18.69M | 13.57M |
| Long-Term Deferred Charges | 378.86K | 757.72K | ||||
| Other Long-Term Assets | 2.02M | 2.63M | 4.42M | 3.01M | 2.13M | 1.99M |
| Total Assets | 838.66M | 824.64M | 739.61M | 490.48M | 440.93M | 342.74M |
| Accrued Expenses | 26.57M | 10.86M | 9.46M | 17.17M | 9.68M | |
| Unpaid Claims | 117.88K | 159.00K | 565.27K | 211.50K | 3.18M | 3.51M |
| Unearned Premiums | 486.13K | 533.01K | 264.05K | 223.33K | 1.06M | 774.45K |
| Current Income Taxes Payable | 12.51M | 12.51M | 3.98M | 403.71K | ||
| Long-Term Debt | 376.97K | 482.10K | 1.88M | 12.60M | 19.17M | 41.22M |
| Long-Term Leases | 12.29M | 10.26M | 13.48M | 13.12M | 16.41M | 16.59M |
| Other Current Liabilities | -29.53M | 4.95M | 164.26K | |||
| Other Long-Term Liabilities | 32.09M | -21.83M | -4.00M | -2.62M | 1.00 | |
| Total Liabilities | 28.35M | 33.94M | 27.47M | 35.95M | 61.18M | 75.52M |
| Common Stock | 400.00M | 400.00M | 400.00M | 240.00M | 240.00M | 180.00M |
| Comprehensive Income & Other | 410.31M | 390.70M | 312.14M | 214.53M | 139.75M | 87.22M |
| Shareholders' Equity | 810.31M | 790.70M | 712.14M | 454.53M | 379.75M | 267.22M |
| Total Liabilities & Equity | 838.66M | 824.64M | 739.61M | 490.48M | 440.93M | 342.74M |
| Filing Date Shares Outstanding | 40.00M | 40.00M | 40.00M | 24.00M | ||
| Total Common Shares Outstanding | 40.00M | 40.00M | 40.00M | 24.00M | ||
| Total Debt | 12.67M | 10.74M | 15.36M | 25.72M | 35.58M | 57.81M |
| Net Cash (Debt) | 445.79M | 520.35M | 442.61M | 336.04M | 320.05M | 207.25M |
| Net Cash Per Share | 11.14 | 13.01 | 11.07 | 13.34 | ||
| Book Value Per Share | 20.26 | 19.77 | 17.80 | 15.82 | ||
| Tangible Book Value | 810.31M | 790.70M | 712.14M | 454.53M | 379.75M | 267.22M |
| Tangible Book Value Per Share | 20.26 | 19.77 | 17.80 | 15.82 | ||
| Machinery | 92.09M | 88.89M | 82.95M | 80.34M | 74.75M |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Net Income | 96.06M | 78.33M | 97.36M | 76.87M | 52.67M | 39.43M |
| Depreciation & Amortization | 12.86M | 13.08M | 11.67M | 11.33M | 9.83M | 7.09M |
| Other Operating Activities | -56.76M | -26.90M | -26.10M | -36.16M | -1.65M | -11.11M |
| Operating Cash Flow | 52.17M | 64.51M | 82.92M | 52.04M | 60.84M | 35.41M |
| Capital Expenditures | -12.13M | -8.07M | -15.00M | -4.70M | -17.41M | -12.80M |
| Investment in Securities | -94.20M | -44.20M | -36.80M | |||
| Other Investing Activities | 50.05M | 62.39M | -82.97M | -34.68M | 9.95M | 15.40M |
| Investing Cash Flow | -56.92M | 10.00M | -136.00M | -39.34M | -8.23M | 1.82M |
| Long-Term Debt Issued | 2.62M | |||||
| Total Debt Repaid | -609.27K | -1.40M | -10.71M | -6.57M | -22.05M | -3.00M |
| Net Debt Issued (Repaid) | -609.27K | -1.40M | -10.71M | -6.57M | -22.05M | -377.53K |
| Issuance of Common Stock | 160.00M | 60.00M | ||||
| Other Financing Activities | -5.00M | |||||
| Financing Cash Flow | -609.27K | -1.40M | 149.29M | -6.57M | 37.95M | -5.38M |
| Net Cash Flow | -5.36M | 73.11M | 96.22M | 6.13M | 90.57M | 31.85M |
| Free Cash Flow | 40.04M | 56.45M | 67.92M | 47.35M | 43.44M | 22.61M |
| Free Cash Flow Margin | 7.19% | 10.18% | 12.70% | 12.09% | 14.12% | 7.69% |
| Free Cash Flow Per Share | 1.00 | 1.41 | 1.70 | 1.81 | ||
| Levered Free Cash Flow | 49.08M | 102.77M | -1.88M | 44.13M | 36.05M | |
| Unlevered Free Cash Flow | 49.74M | 103.39M | -1.16M | 44.96M | 37.00M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.70B | 1.36B | 2.20B | |||
| Enterprise Value | 1.25B | 880.35M | 1.78B | |||
| PE Ratio | 17.65 | 17.36 | 22.64 | |||
| PS Ratio | 3.05 | 2.45 | 4.12 | |||
| PB Ratio | 2.09 | 1.72 | 3.10 | |||
| P/FCF Ratio | 42.36 | 24.09 | 32.45 | |||
| P/OCF Ratio | 32.51 | 21.08 | 26.58 | |||
| EV/Sales Ratio | 2.25 | 1.59 | 3.32 | |||
| EV/EBITDA Ratio | 9.73 | 8.22 | 14.03 | |||
| EV/EBIT Ratio | 10.81 | 8.88 | 14.72 | |||
| EV/FCF Ratio | 31.22 | 15.60 | 26.14 | |||
| Debt / Equity Ratio | 0.02 | 0.01 | 0.02 | 0.06 | 0.09 | 0.22 |
| Debt / EBITDA Ratio | 0.10 | 0.10 | 0.12 | 0.27 | 0.51 | 1.14 |
| Debt / FCF Ratio | 0.32 | 0.19 | 0.23 | 0.54 | 0.82 | 2.56 |
| Net Debt / Equity Ratio | -0.55 | -0.66 | -0.62 | -0.74 | -0.84 | -0.78 |
| Net Debt / EBITDA Ratio | -3.63 | -4.86 | -3.50 | -3.78 | -4.98 | -4.22 |
| Net Debt / FCF Ratio | -11.13 | -9.22 | -6.52 | -7.10 | -7.37 | -9.17 |
| Quick Ratio | 13.11 | 31.48 | 36.63 | 16.64 | 18.49 | |
| Current Ratio | 14.11 | 35.70 | 39.43 | 17.83 | 20.30 | |
| Asset Turnover | 0.72 | 0.71 | 0.87 | 0.84 | 0.79 | |
| Return on Equity (ROE) | 12.60% | 10.42% | 16.69% | 18.43% | 16.28% | |
| Return on Assets (ROA) | 9.30% | 7.93% | 12.26% | 11.15% | 9.46% | |
| Return on Invested Capital (ROIC) | 13.06% | 11.70% | 19.19% | 18.56% | 16.01% | 13.42% |
| Earnings Yield | 5.66% | 5.76% | 4.42% | |||
| FCF Yield | 2.36% | 4.15% | 3.08% | |||
| Dividend Yield | 1.18% | 1.47% | 0.91% | |||
| Total Shareholder Return | 1.18% | 1.47% | 0.91% |