Crystal Insurance Cash Flow Statement

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

Millions BDT. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Net Income	146.96	137.64	121.87	108.96	113.17
Depreciation & Amortization	38.62	48.03	48	44.47	43.72
Gain (Loss) on Sale of Investments	5.65	14.44	-13.97	-9.9	-26.1
Change in Unearned Revenue	-41.17	-21.39	-38.39	13.37	-18.7
Change in Insurance Reserves / Liabilities	40.63	12.17	-32.53	84.78	33.74
Change in Other Net Operating Assets	7.78	9.62	44.09	48.08	31.65
Other Operating Activities	-121.96	-103.73	-59.42	-46.57	-65.68
Operating Cash Flow	76.52	96.79	69.66	243.19	111.82
Operating Cash Flow Growth	-20.94%	38.95%	-71.36%	117.49%	-46.41%
Capital Expenditures	-9.62	-90.45	-6.54	-23.29	-22.79
Sale of Property, Plant & Equipment	5.97	-	-	-	-
Investment in Securities	-99.06	7.73	-74.2	-14.94	-101.11
Other Investing Activities	97.44	64.54	60.94	44.98	73.4
Investing Cash Flow	-5.28	-18.18	-19.8	6.74	-50.5
Common Dividends Paid	-52.65	-30.48	-39.66	-40.21	-38.15
Financing Cash Flow	-52.65	-30.48	-39.66	-40.21	-38.15
Miscellaneous Cash Flow Adjustments	-	-	0	0	-
Net Cash Flow	18.59	48.12	10.2	209.72	23.17
Free Cash Flow	66.9	6.34	63.12	219.89	89.03
Free Cash Flow Growth	955.64%	-89.96%	-71.30%	147.00%	-46.48%
Free Cash Flow Margin	7.95%	0.89%	10.72%	38.37%	16.86%
Free Cash Flow Per Share	1.52	0.14	1.43	5.00	2.02
Cash Income Tax Paid	-	26.18	16.8	12.33	26.6
Levered Free Cash Flow	-176	-30.97	-899.75	219.47	141.1
Unlevered Free Cash Flow	-174.93	-29.96	-899.05	220.41	141.82
Change in Working Capital	7.24	0.4	-26.82	146.23	46.69

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