Crystal Insurance PLC (DSE:CRYSTALINS)
Bangladesh · Delayed Price · Currency is BDT 69.00
-0.50 (-0.72%)
At close: Aug 13, 2026
Crystal Insurance Income Statement
Financials in millions BDT. Fiscal year is January - December.
Millions BDT. Fiscal year is Jan - Dec.
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 |
Premiums & Annuity Revenue | 680.87 | 704.72 | 561.79 | 476.36 | 479.19 | 390.5 |
Total Interest & Dividend Income | 126.8 | 105.94 | 99.96 | 42.85 | 34 | 40.64 |
Gain (Loss) on Sale of Investments | -10.3 | -10.3 | -14.44 | 13.97 | 9.9 | 26.1 |
Other Revenue | 49.32 | 36.87 | 66.39 | 55.4 | 49.98 | 70.88 |
| 846.7 | 837.24 | 713.69 | 588.59 | 573.06 | 528.12 | |
Revenue Growth | 18.68% | 17.31% | 21.26% | 2.71% | 8.51% | 163.58% |
Policy Benefits | 292.33 | 292.33 | 183.93 | 121.85 | 120.4 | 87.93 |
Policy Acquisition & Underwriting Costs | 86.5 | 86.5 | 74.81 | 62.47 | 59.46 | 27.53 |
Depreciation & Amortization | 28.98 | 31.53 | 36.31 | 37.49 | 37.67 | 37.43 |
Selling, General & Administrative | 226.86 | 225.53 | 213.93 | 205.95 | 210.22 | 226.22 |
Other Operating Expenses | 13.92 | 14.62 | 14.73 | 13.03 | 9.24 | 7.14 |
Total Operating Expenses | 658.1 | 659.49 | 532.65 | 447.74 | 443.19 | 392.66 |
Operating Income | 188.59 | 177.75 | 181.05 | 140.85 | 129.87 | 135.46 |
Interest Expense | -1.64 | -1.7 | -1.61 | -1.11 | -1.49 | -1.15 |
Other Non Operating Income (Expenses) | -1.38 | -1.12 | -0.65 | -0.67 | -4.35 | -6.03 |
EBT Excluding Unusual Items | 185.57 | 174.93 | 178.78 | 139.06 | 124.04 | 128.28 |
Gain (Loss) on Sale of Assets | 4.64 | 4.64 | - | - | - | - |
Pretax Income | 190.22 | 179.57 | 178.78 | 139.06 | 124.04 | 128.28 |
Income Tax Expense | 36.18 | 32.61 | 41.14 | 17.19 | 15.08 | 15.11 |
Net Income | 154.04 | 146.96 | 137.64 | 121.87 | 108.96 | 113.17 |
Net Income to Common | 154.04 | 146.96 | 137.64 | 121.87 | 108.96 | 113.17 |
Net Income Growth | 8.59% | 6.77% | 12.94% | 11.86% | -3.72% | -1.97% |
Shares Outstanding (Basic) | 44 | 44 | 44 | 44 | 44 | 44 |
Shares Outstanding (Diluted) | 44 | 44 | 44 | 44 | 44 | 44 |
Shares Change | 0.02% | - | - | - | - | - |
EPS (Basic) | 3.50 | 3.34 | 3.13 | 2.77 | 2.48 | 2.57 |
EPS (Diluted) | 3.50 | 3.34 | 3.13 | 2.77 | 2.48 | 2.57 |
EPS Growth | 8.57% | 6.77% | 12.94% | 11.86% | -3.72% | -1.97% |
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 |
Free Cash Flow | 105.75 | 66.9 | 6.34 | 63.12 | 219.89 | 89.03 |
Free Cash Flow Per Share | 2.40 | 1.52 | 0.14 | 1.43 | 5.00 | 2.02 |
Dividend Per Share | 1.200 | 1.200 | 1.200 | 0.636 | 0.909 | 0.909 |
Dividend Growth | 0% | 0% | 88.56% | -30.00% | 0% | 0% |
Operating Margin | 22.27% | 21.23% | 25.37% | 23.93% | 22.66% | 25.65% |
Profit Margin | 18.19% | 17.55% | 19.29% | 20.71% | 19.01% | 21.43% |
Free Cash Flow Margin | 12.49% | 7.99% | 0.89% | 10.72% | 38.37% | 16.86% |
EBITDA | 217.57 | 209.28 | 217.36 | 178.33 | 167.54 | 172.89 |
EBITDA Margin | 25.70% | 25.00% | 30.46% | 30.30% | 29.24% | 32.74% |
D&A For EBITDA | 28.98 | 31.53 | 36.31 | 37.49 | 37.67 | 37.43 |
EBIT | 188.59 | 177.75 | 181.05 | 140.85 | 129.87 | 135.46 |
EBIT Margin | 22.27% | 21.23% | 25.37% | 23.93% | 22.66% | 25.65% |
Effective Tax Rate | 19.02% | 18.16% | 23.01% | 12.36% | 12.16% | 11.78% |