Agrani Insurance PLC. (DSE:AGRANINS)

Agrani Insurance PLC. Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Premiums & Annuity Revenue	170.48	247.49	192.52	220.17	154.93
Total Interest & Dividend Income	29.16	31.87	34.92	27.73	29.15
Gain (Loss) on Sale of Investments	-	1.79	4.07	-3.18	13.32
Other Revenue	31.69	37.01	24.58	26.64	27.49
Total Revenue	231.33	318.16	256.09	271.36	224.9
Revenue Growth (YoY)	-27.29%	24.24%	-5.63%	20.66%	-19.13%
Policy Benefits	69.74	10.34	32.97	-19.2	32.03
Policy Acquisition & Underwriting Costs	35.07	45.42	37.51	42.07	11.2
Selling, General & Administrative	145.21	131.52	103.64	125.69	134.83
Other Operating Expenses	-0.08	-0.2	-0.21	-0.45	-0.78
Total Operating Expenses	249.94	187.08	173.9	148.1	177.27
Operating Income	-18.61	131.09	82.19	123.26	47.63
EBT Excluding Unusual Items	-18.61	131.09	82.19	123.26	47.63
Gain (Loss) on Sale of Investments	-5.28	-18.68	-	-	-
Gain (Loss) on Sale of Assets	-1.43	-	0.3	0.77	0.99
Pretax Income	-25.33	112.4	82.49	124.03	48.62
Income Tax Expense	0.84	27.91	27.55	28.75	22.86
Earnings From Continuing Ops.	-26.18	84.49	54.94	95.28	25.76
Minority Interest in Earnings	3.79	0.72	-0.5	2.72	4.73
Net Income	-22.39	85.22	54.43	98	30.49
Preferred Dividends & Other Adjustments	-28.85	32.83	-16.9	34.81	-22.94
Net Income to Common	6.46	52.39	71.33	63.19	53.43
Net Income Growth	-	56.55%	-44.45%	221.37%	-52.98%
Shares Outstanding (Basic)	36	36	36	36	36
Shares Outstanding (Diluted)	36	36	36	36	36
EPS (Basic)	0.18	1.45	1.98	1.75	1.48
EPS (Diluted)	0.18	1.45	1.98	1.75	1.48
EPS Growth	-87.68%	-26.56%	12.89%	18.26%	2.52%
Free Cash Flow	32.94	18.67	2.26	8.37	41.61
Free Cash Flow Per Share	0.92	0.52	0.06	0.23	1.16
Dividend Per Share	-	0.566	1.132	0.705	1.323
Dividend Growth	-	-50.00%	60.51%	-46.67%	215.03%
Operating Margin	-8.05%	41.20%	32.09%	45.42%	21.18%
Profit Margin	2.79%	16.47%	27.86%	23.29%	23.76%
Free Cash Flow Margin	14.24%	5.87%	0.88%	3.09%	18.50%
EBITDA	-	-	90.48	131.55	56.88
EBITDA Margin	-	-	35.33%	48.48%	25.29%
D&A For EBITDA	-	-	8.29	8.29	9.26
EBIT	-18.61	131.09	82.19	123.26	47.63
EBIT Margin	-8.05%	41.20%	32.09%	45.42%	21.18%
Effective Tax Rate	-	24.83%	33.40%	23.18%	47.01%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.