Central Insurance Company Limited (DSE:CENTRALINS)

Central Insurance Company 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	405.63	397.51	378.72	358.49	346.43	245.83
Total Interest & Dividend Income	98.43	95.08	83.47	79.33	65.35	74.15
Gain (Loss) on Sale of Investments	0.22	0.22	0.15	0.01	16.98	3.33
Other Revenue	25.58	26.22	27.42	23.42	20.92	24.32
Total Revenue	529.87	519.03	489.77	461.25	449.67	347.62
Revenue Growth (YoY)	7.30%	5.97%	6.18%	2.57%	29.36%	-2.40%
Policy Benefits	84.68	77.99	64.22	68.77	40.42	8.87
Policy Acquisition & Underwriting Costs	73.34	71.98	68.41	60.46	40.52	45.06
Depreciation & Amortization	17.48	17.48	17.37	18.17	18.7	10.7
Selling, General & Administrative	210.85	202.6	182.23	161.04	147.6	129.39
Total Operating Expenses	391.35	375.05	337.23	313.44	249.79	199.15
Operating Income	138.51	143.98	152.54	147.8	199.88	148.48
Other Non Operating Income (Expenses)	-0.32	-0.32	-0.65	-0.87	-0.72	-1.17
EBT Excluding Unusual Items	138.2	143.66	151.88	146.94	199.16	147.3
Gain (Loss) on Sale of Assets	-	-	-	0.01	0.58	0.31
Pretax Income	138.2	143.66	151.88	146.95	199.74	147.61
Income Tax Expense	35.51	37.7	40.21	32.14	32.91	35.47
Net Income	102.69	105.96	111.67	114.81	166.83	112.14
Net Income to Common	102.69	105.96	111.67	114.81	166.83	112.14
Net Income Growth	2.17%	-5.11%	-2.73%	-31.18%	48.77%	13.18%
Shares Outstanding (Basic)	53	53	53	53	53	53
Shares Outstanding (Diluted)	53	53	53	53	53	53
EPS (Basic)	1.93	1.99	2.10	2.16	3.14	2.11
EPS (Diluted)	1.93	1.99	2.10	2.16	3.14	2.11
EPS Growth	2.13%	-5.11%	-2.73%	-31.18%	48.77%	13.18%
Free Cash Flow	47.68	71.31	103.15	109.44	123.99	115.17
Free Cash Flow Per Share	0.90	1.34	1.94	2.06	2.33	2.17
Dividend Per Share	-	1.200	1.200	1.500	1.800	0.558
Dividend Growth	-	-	-20.00%	-16.67%	222.52%	-10.01%
Operating Margin	26.14%	27.74%	31.14%	32.04%	44.45%	42.71%
Profit Margin	19.38%	20.42%	22.80%	24.89%	37.10%	32.26%
Free Cash Flow Margin	9.00%	13.74%	21.06%	23.73%	27.57%	33.13%
EBITDA	158.11	160.39	168.83	164.94	218.58	159.18
EBITDA Margin	29.84%	30.90%	34.47%	35.76%	48.61%	45.79%
D&A For EBITDA	19.59	16.41	16.29	17.14	18.7	10.7
EBIT	138.51	143.98	152.54	147.8	199.88	148.48
EBIT Margin	26.14%	27.74%	31.14%	32.04%	44.45%	42.71%
Effective Tax Rate	25.69%	26.24%	26.47%	21.87%	16.48%	24.03%

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