Agrani Insurance PLC. (DSE:AGRANINS)

Agrani Insurance PLC. Income Statement

Financials in millions BDT. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	205.67	247.49	192.52	220.17	154.93	224.2
Total Interest & Dividend Income	28.13	31.87	34.92	27.73	29.15	25.06
Gain (Loss) on Sale of Investments	-31.18	-16.89	4.07	-3.18	13.32	1.83
Other Revenue	37.39	37.01	24.58	26.64	27.49	27
Total Revenue	240.02	299.48	256.09	271.36	224.9	278.09
Revenue Growth (YoY)	-39.16%	16.94%	-5.63%	20.66%	-19.13%	19.98%
Policy Benefits	40.24	10.34	32.97	-19.2	32.03	28.47
Policy Acquisition & Underwriting Costs	40.67	45.42	37.51	42.07	11.2	43.61
Selling, General & Administrative	134.77	131.52	103.64	125.69	134.83	126.69
Other Operating Expenses	-0.2	-0.2	-0.21	-0.45	-0.78	-1.32
Total Operating Expenses	215.47	187.08	173.9	148.1	177.27	197.45
Operating Income	24.55	112.4	82.19	123.26	47.63	80.64
EBT Excluding Unusual Items	24.55	112.4	82.19	123.26	47.63	80.64
Gain (Loss) on Sale of Assets	0.05	-	0.3	0.77	0.99	1.3
Pretax Income	24.6	112.4	82.49	124.03	48.62	81.94
Income Tax Expense	40.29	27.91	27.55	28.75	22.86	17.08
Earnings From Continuing Ops.	-15.69	84.49	54.94	95.28	25.76	64.85
Minority Interest in Earnings	1.18	0.72	-0.5	2.72	4.73	-
Net Income	-14.51	85.22	54.43	98	30.49	64.85
Preferred Dividends & Other Adjustments	-47.24	32.83	-16.9	34.81	-22.94	12.74
Net Income to Common	32.73	52.39	71.33	63.19	53.43	52.12
Net Income Growth	-	56.55%	-44.45%	221.37%	-52.98%	88.11%
Shares Outstanding (Basic)	36	36	36	36	36	36
Shares Outstanding (Diluted)	36	36	36	36	36	36
EPS (Basic)	0.91	1.45	1.98	1.75	1.48	1.45
EPS (Diluted)	0.91	1.45	1.98	1.75	1.48	1.45
EPS Growth	-17.57%	-26.56%	12.89%	18.26%	2.52%	51.95%
Free Cash Flow	24.12	18.67	2.26	8.37	41.61	69.42
Free Cash Flow Per Share	0.67	0.52	0.06	0.23	1.16	1.93
Dividend Per Share	0.566	0.566	1.132	0.705	1.323	0.420
Dividend Growth	-50.00%	-50.00%	60.51%	-46.67%	215.03%	-50.01%
Operating Margin	10.23%	37.53%	32.09%	45.42%	21.18%	29.00%
Profit Margin	13.64%	17.49%	27.86%	23.29%	23.76%	18.74%
Free Cash Flow Margin	10.05%	6.24%	0.88%	3.09%	18.50%	24.96%
EBITDA	-	-	90.48	131.55	56.88	93.63
EBITDA Margin	-	-	35.33%	48.48%	25.29%	33.67%
D&A For EBITDA	-	-	8.29	8.29	9.26	12.99
EBIT	24.55	112.4	82.19	123.26	47.63	80.64
EBIT Margin	10.23%	37.53%	32.09%	45.42%	21.18%	29.00%
Effective Tax Rate	163.79%	24.83%	33.40%	23.18%	47.01%	20.85%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.