Chartered Life Insurance PLC (DSE:CLICL)

Bangladesh · Delayed Price · Currency is BDT

50.20

-1.00 (-1.95%)

At close: Jul 23, 2026

Chartered Life Insurance Financials Overview

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

Millions BDT. Fiscal year is Jan - Dec.

Revenue & Profits

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
Revenue	914.77	983.37	901.84	984.57	764.83	552.86
Revenue Growth	-4.58%	9.04%	-8.40%	28.73%	38.34%	65.17%
Operating Income	142.29	160.55	98.64	183.17	155.13	151.71
Net Income	123.71	138.47	89.27	154.37	111.24	136.54
Earnings Per Share	3.30	3.69	2.38	4.12	2.97	6.07
EPS Growth	1.28%	55.12%	-42.18%	38.77%	-51.12%	18.16%

Cash & Debt

Fiscal Year	Current	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
Cash & Investments	39.55	41.35	50.03	70.41	84.13	39.28
Total Debt	39.46	42.08	35.46	62.37	35.39	4.32
Net Cash (Debt)	0.09	-0.73	14.58	8.04	48.74	34.96
Net Cash Growth	-	-	81.31%	-83.50%	39.42%	47.68%
Net Cash Per Share	0.00	-0.02	0.39	0.21	1.30	1.55

Cash Flow & CapEx

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
Operating Cash Flow	31.06	63.14	81.03	97.53	118.47	57.98
Capital Expenditures	-1.81	-2.55	-0.94	-10.28	-63.05	-62.67
Free Cash Flow	29.26	60.59	80.1	87.24	55.41	-4.69
Free Cash Flow Growth	-63.41%	-24.35%	-8.19%	57.44%	-	-

Margins

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
Operating Margin	15.55%	16.33%	10.94%	18.60%	20.28%	27.44%
Pretax Margin	14.32%	15.03%	10.64%	17.90%	17.06%	26.24%
Profit Margin	13.52%	14.08%	9.90%	15.68%	14.54%	24.70%
FCF Margin	3.20%	6.16%	8.88%	8.86%	7.25%	-0.85%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jul '26 Jul 27, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022
Dividend Per Share	0.400	0.400	-	0.250	0.200
Dividend Per Share Growth	0%	-	-	25.00%	-
Dividend Yield	0.80%	0.73%	-	0.47%	0.33%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 27, 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
PE Ratio	15.22	15.06	15.50	13.14	20.70	-
P/FCF Ratio	64.35	34.41	17.28	23.25	41.55	-
PS Ratio	2.06	2.12	1.53	2.06	3.01	-