Chartered Life Insurance PLC (DSE:CLICL)

Chartered Life Insurance Statistics

Total Valuation

DSE:CLICL has a market cap or net worth of BDT 2.47 billion. The enterprise value is 2.47 billion.

Market Cap	2.47B
Enterprise Value	2.47B

Important Dates

The next estimated earnings date is Wednesday, October 29, 2025.

Earnings Date	Oct 29, 2025
Ex-Dividend Date	Aug 27, 2024

Share Statistics

DSE:CLICL has 37.50 million shares outstanding.

Current Share Class	37.50M
Shares Outstanding	37.50M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	61.95%
Owned by Institutions (%)	n/a
Float	14.23M

Valuation Ratios

The trailing PE ratio is 17.39.

PE Ratio	17.39
Forward PE	n/a
PS Ratio	2.54
PB Ratio	6.59
P/TBV Ratio	7.02
P/FCF Ratio	31.91
P/OCF Ratio	31.07
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 13.81, with an EV/FCF ratio of 31.89.

EV / Earnings	17.38
EV / Sales	2.54
EV / EBITDA	13.81
EV / EBIT	16.22
EV / FCF	31.89

Financial Position

The company has a current ratio of 1.36, with a Debt / Equity ratio of 0.13.

Current Ratio	1.36
Quick Ratio	0.85
Debt / Equity	0.13
Debt / EBITDA	0.28
Debt / FCF	0.64
Interest Coverage	78.99

Financial Efficiency

Return on equity (ROE) is 37.89% and return on invested capital (ROIC) is 22.54%.

Return on Equity (ROE)	37.89%
Return on Assets (ROA)	8.09%
Return on Invested Capital (ROIC)	22.54%
Return on Capital Employed (ROCE)	13.41%
Revenue Per Employee	5.98M
Profits Per Employee	871,711
Employee Count	163
Asset Turnover	0.83
Inventory Turnover	n/a

Taxes

In the past 12 months, DSE:CLICL has paid 8.15 million in taxes.

Income Tax	8.15M
Effective Tax Rate	5.43%

Stock Price Statistics

The stock price has increased by +51.84% in the last 52 weeks. The beta is 9.49, so DSE:CLICL's price volatility has been higher than the market average.

Beta (5Y)	9.49
52-Week Price Change	+51.84%
50-Day Moving Average	49.96
200-Day Moving Average	43.97
Relative Strength Index (RSI)	84.85
Average Volume (20 Days)	558,752

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, DSE:CLICL had revenue of BDT 974.12 million and earned 142.09 million in profits. Earnings per share was 3.79.

Revenue	974.12M
Gross Profit	477.62M
Operating Income	152.25M
Pretax Income	150.24M
Net Income	142.09M
EBITDA	163.88M
EBIT	152.25M
Earnings Per Share (EPS)	3.79

Balance Sheet

The company has 51.41 million in cash and 49.60 million in debt, giving a net cash position of 1.81 million or 0.05 per share.

Cash & Cash Equivalents	51.41M
Total Debt	49.60M
Net Cash	1.81M
Net Cash Per Share	0.05
Equity (Book Value)	375.00M
Book Value Per Share	10.00
Working Capital	39.36M

Cash Flow

In the last 12 months, operating cash flow was 79.55 million and capital expenditures -2.11 million, giving a free cash flow of 77.44 million.

Operating Cash Flow	79.55M
Capital Expenditures	-2.11M
Free Cash Flow	77.44M
FCF Per Share	2.06

Margins

Gross margin is 49.03%, with operating and profit margins of 15.63% and 14.59%.

Gross Margin	49.03%
Operating Margin	15.63%
Pretax Margin	15.42%
Profit Margin	14.59%
EBITDA Margin	16.82%
EBIT Margin	15.63%
FCF Margin	7.95%

Dividends & Yields

This stock pays an annual dividend of 0.25, which amounts to a dividend yield of 0.38%.

Dividend Per Share	0.25
Dividend Yield	0.38%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	2
Payout Ratio	n/a
Buyback Yield	n/a
Shareholder Yield	0.38%
Earnings Yield	5.75%
FCF Yield	3.13%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	3