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	Jun '26 Jun 30, 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	394.2	415.67	397.51	378.72	358.49	346.43
Total Interest & Dividend Income	108.29	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	39.26	31.09	26.22	27.42	23.42	20.92
Total Revenue	541.74	552.21	519.03	489.77	461.25	449.67
Revenue Growth	6.12%	6.39%	5.97%	6.18%	2.57%	29.36%
Policy Benefits	84.03	97.48	77.99	64.22	68.77	40.42
Policy Acquisition & Underwriting Costs	84.77	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	204.56	201.41	202.6	182.23	161.04	147.6
Total Operating Expenses	394.79	407.14	375.05	337.23	313.44	249.79
Operating Income	146.95	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	146.48	144.59	143.66	151.88	146.94	199.16
Gain (Loss) on Sale of Assets	-	-	-	-	0.01	0.58
Pretax Income	146.48	144.59	143.66	151.88	146.95	199.74
Income Tax Expense	32.32	35.91	37.7	40.21	32.14	32.91
Net Income	114.16	108.68	105.96	111.67	114.81	166.83
Net Income to Common	114.16	108.68	105.96	111.67	114.81	166.83
Net Income Growth	15.77%	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
Shares Change	-	-	-	-	-	-
EPS (Basic)	2.15	2.04	1.99	2.10	2.16	3.14
EPS (Diluted)	2.15	2.04	1.99	2.10	2.16	3.14
EPS Growth	15.77%	2.56%	-5.11%	-2.73%	-31.18%	48.77%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Free Cash Flow	117.11	68.89	71.31	103.15	109.44	123.99
Free Cash Flow Per Share	2.20	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	0%	0%	0%	-20.00%	-16.67%	222.52%
Operating Margin	27.13%	26.27%	27.74%	31.14%	32.04%	44.45%
Profit Margin	21.07%	19.68%	20.42%	22.80%	24.89%	37.10%
Free Cash Flow Margin	21.62%	12.47%	13.74%	21.06%	23.73%	27.57%
EBITDA	160.54	160.86	160.39	168.83	164.94	218.58
EBITDA Margin	29.63%	29.13%	30.90%	34.47%	35.76%	48.61%
D&A For EBITDA	13.59	15.8	16.41	16.29	17.14	18.7
EBIT	146.95	145.06	143.98	152.54	147.8	199.88
EBIT Margin	27.13%	26.27%	27.74%	31.14%	32.04%	44.45%
Effective Tax Rate	22.07%	24.83%	26.24%	26.47%	21.87%	16.48%