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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	141.86	137.64	121.87	108.96	113.17	115.45
Depreciation & Amortization	37.15	48.03	48	44.47	43.72	42.07
Gain (Loss) on Sale of Investments	23.74	14.44	-13.97	-9.9	-26.1	-11.98
Change in Unearned Revenue	-30.16	-21.39	-38.39	13.37	-18.7	91.96
Change in Insurance Reserves / Liabilities	36.2	12.17	-32.53	84.78	33.74	1.7
Change in Other Net Operating Assets	-2.49	9.62	44.09	48.08	31.65	7.79
Other Operating Activities	-82.89	-103.73	-59.42	-46.57	-65.68	-38.34
Operating Cash Flow	123.39	96.79	69.66	243.19	111.82	208.64
Operating Cash Flow Growth	168.21%	38.95%	-71.36%	117.49%	-46.41%	59.08%
Capital Expenditures	-71.4	-90.45	-6.54	-23.29	-22.79	-42.29
Investment in Securities	-26.38	7.73	-74.2	-14.94	-101.11	-53.39
Other Investing Activities	68.68	64.54	60.94	44.98	73.4	58.13
Investing Cash Flow	-29.1	-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	0	-	-
Net Cash Flow	41.65	48.12	10.2	209.72	23.17	291.85
Free Cash Flow	52	6.34	63.12	219.89	89.03	166.35
Free Cash Flow Growth	148.80%	-89.96%	-71.30%	147.00%	-46.48%	70.91%
Free Cash Flow Margin	7.29%	0.89%	10.72%	38.37%	16.86%	83.02%
Free Cash Flow Per Share	1.18	0.14	1.43	5.00	2.02	3.78
Cash Income Tax Paid	32.81	26.18	16.8	12.33	26.6	24.43
Levered Free Cash Flow	-0.19	-30.97	-899.75	219.47	141.1	217.81
Unlevered Free Cash Flow	0.87	-29.96	-899.05	220.41	141.82	218.41
Change in Working Capital	3.54	0.4	-26.82	146.23	46.69	101.44

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