Crystal Insurance PLC (DSE:CRYSTALINS)

Crystal Insurance Cash Flow Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	155.46	146.96	137.64	121.87	108.96	113.17
Depreciation & Amortization	13.33	42.49	48.03	48	44.47	43.72
Gain (Loss) on Sale of Assets	-5.49	-4.64	-	-	-	-
Gain (Loss) on Sale of Investments	4.25	17.38	14.44	-13.97	-9.9	-26.1
Change in Unearned Revenue	-19.13	-41.17	-21.39	-38.39	13.37	-18.7
Change in Insurance Reserves / Liabilities	62.38	40.63	12.17	-32.53	84.78	33.74
Change in Other Net Operating Assets	-11.58	7.78	9.62	44.09	48.08	31.65
Other Operating Activities	-125.56	-132.91	-103.73	-59.42	-46.57	-65.68
Operating Cash Flow	73.65	76.52	96.79	69.66	243.19	111.82
Operating Cash Flow Growth	-52.44%	-20.94%	38.95%	-71.36%	117.49%	-46.41%
Capital Expenditures	-9.54	-9.62	-90.45	-6.54	-23.29	-22.79
Sale of Property, Plant & Equipment	6.82	5.97	-	-	-	-
Investment in Securities	-135.37	-99.06	7.73	-74.2	-14.94	-101.11
Other Investing Activities	111.89	97.44	64.54	60.94	44.98	73.4
Investing Cash Flow	-26.2	-5.28	-18.18	-19.8	6.74	-50.5
Common Dividends Paid	-27.33	-52.65	-30.48	-39.66	-40.21	-38.15
Financing Cash Flow	-27.33	-52.65	-30.48	-39.66	-40.21	-38.15
Miscellaneous Cash Flow Adjustments	-	-	-	0	0	-
Net Cash Flow	20.12	18.59	48.12	10.2	209.72	23.17
Free Cash Flow	64.11	66.9	6.34	63.12	219.89	89.03
Free Cash Flow Growth	-18.73%	955.64%	-89.96%	-71.30%	147.00%	-46.48%
Free Cash Flow Margin	7.71%	7.99%	0.89%	10.72%	38.37%	16.86%
Free Cash Flow Per Share	1.46	1.52	0.14	1.43	5.00	2.02
Cash Income Tax Paid	30.32	43.98	26.18	16.8	12.33	26.6
Levered Free Cash Flow	96.09	55.97	-30.97	-899.75	219.47	141.1
Unlevered Free Cash Flow	97.13	57.03	-29.96	-899.05	220.41	141.82
Change in Working Capital	31.67	7.24	0.4	-26.82	146.23	46.69

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