Crystal Insurance PLC (DSE:CRYSTALINS)

Bangladesh · Delayed Price · Currency is BDT

66.70

-0.20 (-0.30%)

At close: Jul 23, 2026

Crystal 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	831.36	837.24	713.69	588.59	573.06	528.12
Revenue Growth	13.70%	17.31%	21.26%	2.71%	8.51%	163.58%
Operating Income	191.58	177.75	181.05	140.85	129.87	135.46
Net Income	155.46	146.96	137.64	121.87	108.96	113.17
Earnings Per Share	3.53	3.34	3.13	2.77	2.48	2.57
EPS Growth	8.91%	6.77%	12.94%	11.86%	-3.72%	-1.97%

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	95.35	39.99	38.83	31.21	1,027	817.14
Total Debt	15.64	17.57	20.66	18.61	11.68	9.28
Net Cash (Debt)	79.71	22.41	18.17	12.6	1,015	807.86
Net Cash Growth	120.22%	23.34%	44.24%	-98.76%	25.66%	2.80%
Net Cash Per Share	1.81	0.51	0.41	0.29	23.07	18.36

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	73.65	76.52	96.79	69.66	243.19	111.82
Capital Expenditures	-9.54	-9.62	-90.45	-6.54	-23.29	-22.79
Free Cash Flow	64.11	66.9	6.34	63.12	219.89	89.03
Free Cash Flow Growth	-18.73%	955.64%	-89.96%	-71.30%	147.00%	-46.48%

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	23.04%	21.23%	25.37%	23.93%	22.66%	25.65%
Pretax Margin	23.35%	21.45%	25.05%	23.63%	21.64%	24.29%
Profit Margin	18.70%	17.55%	19.29%	20.71%	19.01%	21.43%
FCF Margin	7.71%	7.99%	0.89%	10.72%	38.37%	16.86%

Dividends

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
Dividend Per Share	1.200	1.200	1.200	0.636	0.909	0.909
Dividend Per Share Growth	0%	0%	88.56%	-30.00%	0%	0%
Dividend Yield	1.80%	2.13%	2.21%	0.86%	2.67%	1.96%

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	19.22	17.13	18.13	27.93	14.80	20.01
P/FCF Ratio	46.60	37.62	393.67	53.93	7.33	25.43
PS Ratio	3.59	3.01	3.50	5.78	2.81	4.29