Central Insurance PLC. Income Statement

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

Millions BDT. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Premiums & Annuity Revenue	391.18	415.67	397.51	378.72	358.49	346.43
Total Interest & Dividend Income	100.16	105.45	95.08	83.47	79.33	65.35
Gain (Loss) on Sale of Investments	-	-	0.22	0.15	0.01	16.98
Other Revenue	31.35	31.09	26.22	27.42	23.42	20.92
Total Revenue	522.69	552.21	519.03	489.77	461.25	449.67
Revenue Growth (YoY)	-0.28%	6.39%	5.97%	6.18%	2.57%	29.36%
Policy Benefits	68.69	97.48	77.99	64.22	68.77	40.42
Policy Acquisition & Underwriting Costs	84.32	86.83	71.98	68.41	60.46	40.52
Depreciation & Amortization	16.43	16.43	17.48	17.37	18.17	18.7
Selling, General & Administrative	199.42	201.41	202.6	182.23	161.04	147.6
Total Operating Expenses	373.85	407.14	375.05	337.23	313.44	249.79
Operating Income	148.83	145.06	143.98	152.54	147.8	199.88
Other Non Operating Income (Expenses)	-0.48	-0.48	-0.32	-0.65	-0.87	-0.72
EBT Excluding Unusual Items	148.36	144.59	143.66	151.88	146.94	199.16
Gain (Loss) on Sale of Assets	-	-	-	-	0.01	0.58
Pretax Income	148.36	144.59	143.66	151.88	146.95	199.74
Income Tax Expense	37.04	35.91	37.7	40.21	32.14	32.91
Net Income	111.31	108.68	105.96	111.67	114.81	166.83
Net Income to Common	111.31	108.68	105.96	111.67	114.81	166.83
Net Income Growth	10.94%	2.56%	-5.11%	-2.73%	-31.18%	48.77%
Shares Outstanding (Basic)	53	53	53	53	53	53
Shares Outstanding (Diluted)	53	53	53	53	53	53
EPS (Basic)	2.09	2.04	1.99	2.10	2.16	3.14
EPS (Diluted)	2.09	2.04	1.99	2.10	2.16	3.14
EPS Growth	10.94%	2.56%	-5.11%	-2.73%	-31.18%	48.77%
Free Cash Flow	84.15	68.89	71.31	103.15	109.44	123.99
Free Cash Flow Per Share	1.58	1.30	1.34	1.94	2.06	2.33
Dividend Per Share	1.200	1.200	1.200	1.200	1.500	1.800
Dividend Growth	-	-	-	-20.00%	-16.67%	222.52%
Operating Margin	28.48%	26.27%	27.74%	31.14%	32.04%	44.45%
Profit Margin	21.30%	19.68%	20.42%	22.80%	24.89%	37.10%
Free Cash Flow Margin	16.10%	12.47%	13.74%	21.06%	23.73%	27.57%
EBITDA	164.78	160.86	160.39	168.83	164.94	218.58
EBITDA Margin	31.52%	29.13%	30.90%	34.47%	35.76%	48.61%
D&A For EBITDA	15.94	15.8	16.41	16.29	17.14	18.7
EBIT	148.83	145.06	143.98	152.54	147.8	199.88
EBIT Margin	28.47%	26.27%	27.74%	31.14%	32.04%	44.45%
Effective Tax Rate	24.97%	24.83%	26.24%	26.47%	21.87%	16.48%