Crystal Insurance Company Limited (DSE:CRYSTALINS)

Crystal Insurance Company Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	142.75	137.64	121.87	108.96	113.17	115.45
Depreciation & Amortization	47.75	48.03	48	44.47	43.72	42.07
Gain (Loss) on Sale of Investments	17.43	14.44	-13.97	-9.9	-26.1	-11.98
Change in Unearned Revenue	-21.47	-21.39	-38.39	13.37	-18.7	91.96
Change in Insurance Reserves / Liabilities	34.86	12.17	-32.53	84.78	33.74	1.7
Change in Other Net Operating Assets	24.9	9.62	44.09	48.08	31.65	7.79
Other Operating Activities	-91.33	-103.73	-59.42	-46.57	-65.68	-38.34
Operating Cash Flow	154.88	96.79	69.66	243.19	111.82	208.64
Operating Cash Flow Growth	168.73%	38.95%	-71.36%	117.49%	-46.41%	59.08%
Capital Expenditures	-75.99	-90.45	-6.54	-23.29	-22.79	-42.29
Investment in Securities	20.67	7.73	-74.2	-14.94	-101.11	-53.39
Other Investing Activities	44.47	64.54	60.94	44.98	73.4	58.13
Investing Cash Flow	-10.85	-18.18	-19.8	6.74	-50.5	-37.55
Issuance of Common Stock	-	-	-	-	-	160
Common Dividends Paid	-54.13	-30.48	-39.66	-40.21	-38.15	-28.51
Other Financing Activities	-	-	-	-	-	-10.73
Financing Cash Flow	-54.13	-30.48	-39.66	-40.21	-38.15	120.76
Miscellaneous Cash Flow Adjustments	0	-	0	0	-	-
Net Cash Flow	89.9	48.12	10.2	209.72	23.17	291.85
Free Cash Flow	78.89	6.34	63.12	219.89	89.03	166.35
Free Cash Flow Growth	113.86%	-89.96%	-71.30%	147.00%	-46.48%	70.91%
Free Cash Flow Margin	10.79%	0.89%	10.72%	38.37%	16.86%	83.02%
Free Cash Flow Per Share	1.79	0.14	1.43	5.00	2.02	3.78
Cash Income Tax Paid	26.69	26.18	16.8	12.33	26.6	24.43
Levered Free Cash Flow	-55.95	-30.97	-899.75	219.47	141.1	217.81
Unlevered Free Cash Flow	-54.91	-29.96	-899.05	220.41	141.82	218.41
Change in Net Working Capital	141.09	100.7	1,029	-118.06	-36.22	-127.08

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