Crystal Insurance PLC (DSE:CRYSTALINS)

Crystal Insurance 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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	151.65	137.64	121.87	108.96	113.17	115.45
Depreciation & Amortization	49.07	48.03	48	44.47	43.72	42.07
Gain (Loss) on Sale of Investments	14.05	14.44	-13.97	-9.9	-26.1	-11.98
Change in Unearned Revenue	-17.84	-21.39	-38.39	13.37	-18.7	91.96
Change in Insurance Reserves / Liabilities	46	12.17	-32.53	84.78	33.74	1.7
Change in Other Net Operating Assets	-5.01	9.62	44.09	48.08	31.65	7.79
Other Operating Activities	-125.22	-103.73	-59.42	-46.57	-65.68	-38.34
Operating Cash Flow	112.71	96.79	69.66	243.19	111.82	208.64
Operating Cash Flow Growth	114.28%	38.95%	-71.36%	117.49%	-46.41%	59.08%
Capital Expenditures	-25.88	-90.45	-6.54	-23.29	-22.79	-42.29
Investment in Securities	-74.89	7.73	-74.2	-14.94	-101.11	-53.39
Other Investing Activities	84.09	64.54	60.94	44.98	73.4	58.13
Investing Cash Flow	-16.68	-18.18	-19.8	6.74	-50.5	-37.55
Issuance of Common Stock	-	-	-	-	-	160
Common Dividends Paid	-52.65	-30.48	-39.66	-40.21	-38.15	-28.51
Other Financing Activities	-	-	-	-	-	-10.73
Financing Cash Flow	-52.65	-30.48	-39.66	-40.21	-38.15	120.76
Miscellaneous Cash Flow Adjustments	-	-	0	0	-	-
Net Cash Flow	43.38	48.12	10.2	209.72	23.17	291.85
Free Cash Flow	86.83	6.34	63.12	219.89	89.03	166.35
Free Cash Flow Growth	-	-89.96%	-71.30%	147.00%	-46.48%	70.91%
Free Cash Flow Margin	12.04%	0.89%	10.72%	38.37%	16.86%	83.02%
Free Cash Flow Per Share	1.97	0.14	1.43	5.00	2.02	3.78
Cash Income Tax Paid	38.45	26.18	16.8	12.33	26.6	24.43
Levered Free Cash Flow	55.68	-30.97	-899.75	219.47	141.1	217.81
Unlevered Free Cash Flow	56.75	-29.96	-899.05	220.41	141.82	218.41
Change in Working Capital	23.15	0.4	-26.82	146.23	46.69	101.44

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