Crystal Insurance PLC (DSE:CRYSTALINS)

Crystal Insurance Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Premiums & Annuity Revenue	685.64	704.72	561.79	476.36	479.19	390.5
Total Interest & Dividend Income	116.31	105.94	99.96	42.85	34	40.64
Gain (Loss) on Sale of Investments	-6.32	-10.3	-14.44	13.97	9.9	26.1
Other Revenue	35.73	36.87	66.39	55.4	49.98	70.88
Total Revenue	831.36	837.24	713.69	588.59	573.06	528.12
Revenue Growth (YoY)	13.70%	17.31%	21.26%	2.71%	8.51%	163.58%
Policy Benefits	285.97	292.33	183.93	121.85	120.4	87.93
Policy Acquisition & Underwriting Costs	65.01	86.5	74.81	62.47	59.46	27.53
Depreciation & Amortization	30.7	31.53	36.31	37.49	37.67	37.43
Selling, General & Administrative	234.31	225.53	213.93	205.95	210.22	226.22
Other Operating Expenses	14.08	14.62	14.73	13.03	9.24	7.14
Total Operating Expenses	639.77	659.49	532.65	447.74	443.19	392.66
Operating Income	191.58	177.75	181.05	140.85	129.87	135.46
Interest Expense	-1.66	-1.7	-1.61	-1.11	-1.49	-1.15
Other Non Operating Income (Expenses)	-1.33	-1.12	-0.65	-0.67	-4.35	-6.03
EBT Excluding Unusual Items	188.59	174.93	178.78	139.06	124.04	128.28
Gain (Loss) on Sale of Assets	5.49	4.64	-	-	-	-
Pretax Income	194.08	179.57	178.78	139.06	124.04	128.28
Income Tax Expense	38.62	32.61	41.14	17.19	15.08	15.11
Net Income	155.46	146.96	137.64	121.87	108.96	113.17
Net Income to Common	155.46	146.96	137.64	121.87	108.96	113.17
Net Income Growth	8.91%	6.77%	12.94%	11.86%	-3.72%	-1.97%
Shares Outstanding (Basic)	44	44	44	44	44	44
Shares Outstanding (Diluted)	44	44	44	44	44	44
EPS (Basic)	3.53	3.34	3.13	2.77	2.48	2.57
EPS (Diluted)	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%
Free Cash Flow	64.11	66.9	6.34	63.12	219.89	89.03
Free Cash Flow Per Share	1.46	1.52	0.14	1.43	5.00	2.02
Dividend Per Share	1.200	1.200	1.200	0.636	0.909	0.909
Dividend Growth	-	-	88.56%	-30.00%	-	-
Operating Margin	23.04%	21.23%	25.37%	23.93%	22.66%	25.65%
Profit Margin	18.70%	17.55%	19.29%	20.71%	19.01%	21.43%
Free Cash Flow Margin	7.71%	7.99%	0.89%	10.72%	38.37%	16.86%
EBITDA	194.64	209.28	217.36	178.33	167.54	172.89
EBITDA Margin	23.41%	25.00%	30.46%	30.30%	29.24%	32.74%
D&A For EBITDA	3.05	31.53	36.31	37.49	37.67	37.43
EBIT	191.58	177.75	181.05	140.85	129.87	135.46
EBIT Margin	23.04%	21.23%	25.37%	23.93%	22.66%	25.65%
Effective Tax Rate	19.90%	18.16%	23.01%	12.36%	12.16%	11.78%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.