Crystal Insurance PLC (DSE:CRYSTALINS)
Bangladesh · Delayed Price · Currency is BDT 71.60
+0.90 (1.27%)
At close: Sep 24, 2026
Crystal Insurance Cash Flow Statement
Financials in millions BDT. Fiscal year is January - December.
Millions BDT. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 | 154.04 | 146.96 | 137.64 | 121.87 | 108.96 | 113.17 |
Depreciation & Amortization | 39.94 | 42.49 | 48.03 | 48 | 44.47 | 43.72 |
Gain (Loss) on Sale of Assets | -4.64 | -4.64 | - | - | - | - |
Gain (Loss) on Sale of Investments | 17.38 | 17.38 | 14.44 | -13.97 | -9.9 | -26.1 |
Change in Unearned Revenue | -41.17 | -41.17 | -21.39 | -38.39 | 13.37 | -18.7 |
Change in Insurance Reserves / Liabilities | 40.63 | 40.63 | 12.17 | -32.53 | 84.78 | 33.74 |
Change in Other Net Operating Assets | 7.78 | 7.78 | 9.62 | 44.09 | 48.08 | 31.65 |
Other Operating Activities | -99.13 | -132.91 | -103.73 | -59.42 | -46.57 | -65.68 |
Operating Cash Flow | 114.83 | 76.52 | 96.79 | 69.66 | 243.19 | 111.82 |
Operating Cash Flow Growth | -6.94% | -20.94% | 38.95% | -71.36% | 117.49% | -46.41% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Capital Expenditures | -9.08 | -9.62 | -90.45 | -6.54 | -23.29 | -22.79 |
Sale of Property, Plant & Equipment | 8.32 | 5.97 | - | - | - | - |
Investment in Securities | -144.61 | -99.06 | 7.73 | -74.2 | -14.94 | -101.11 |
Other Investing Activities | 103.2 | 97.44 | 64.54 | 60.94 | 44.98 | 73.4 |
Investing Cash Flow | -42.17 | -5.28 | -18.18 | -19.8 | 6.74 | -50.5 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Common Dividends Paid | -46.43 | -52.65 | -30.48 | -39.66 | -40.21 | -38.15 |
Financing Cash Flow | -46.43 | -52.65 | -30.48 | -39.66 | -40.21 | -38.15 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Miscellaneous Cash Flow Adjustments | -0 | - | - | 0 | 0 | - |
Net Cash Flow | 26.22 | 18.59 | 48.12 | 10.2 | 209.72 | 23.17 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Free Cash Flow | 105.75 | 66.9 | 6.34 | 63.12 | 219.89 | 89.03 |
Free Cash Flow Growth | 103.38% | 955.64% | -89.96% | -71.30% | 147.00% | -46.48% |
Free Cash Flow Margin | 12.49% | 7.99% | 0.89% | 10.72% | 38.37% | 16.86% |
Free Cash Flow Per Share | 2.40 | 1.52 | 0.14 | 1.43 | 5.00 | 2.02 |
Levered Free Cash Flow | -83.98 | 55.97 | -30.97 | -899.75 | 219.47 | 141.1 |
Unlevered Free Cash Flow | -82.95 | 57.03 | -29.96 | -899.05 | 220.41 | 141.82 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Cash Income Tax Paid | 43.98 | 43.98 | 26.18 | 16.8 | 12.33 | 26.6 |
Change in Working Capital | 7.24 | 7.24 | 0.4 | -26.82 | 146.23 | 46.69 |