Crystal Insurance PLC (DSE:CRYSTALINS)

Crystal Insurance Ratios and Metrics

Market cap in millions BDT. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 23, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	3,353	2,517	2,495	3,404	1,612	2,264
Market Cap Growth	46.82%	0.88%	-26.71%	111.17%	-28.80%	43.66%
Enterprise Value	3,330	2,490	2,457	2,394	1,581	2,232
PE Ratio	22.81	17.13	18.13	27.93	14.80	20.01
PS Ratio	4.00	3.01	3.50	5.78	2.81	4.29
PB Ratio	2.76	2.07	2.21	3.29	1.66	2.48
P/FCF Ratio	50.12	37.62	393.67	53.93	7.33	25.43
P/OCF Ratio	43.82	32.89	25.78	48.87	6.63	20.25
EV/Sales Ratio	3.98	2.97	3.44	4.07	2.76	4.23
EV/EBITDA Ratio	15.12	11.90	11.31	13.42	9.44	12.91
EV/EBIT Ratio	18.74	14.01	13.57	17.00	12.18	16.48
EV/FCF Ratio	49.78	37.22	387.75	37.93	7.19	25.08
Debt / Equity Ratio	0.01	0.01	0.02	0.02	0.01	0.01
Debt / EBITDA Ratio	0.08	0.08	0.09	0.10	0.07	0.05
Debt / FCF Ratio	0.26	0.26	3.26	0.30	0.05	0.10
Net Debt / Equity Ratio	-0.02	-0.02	-0.02	-0.01	-1.04	-0.89
Net Debt / EBITDA Ratio	-0.11	-0.11	-0.08	-0.07	-6.06	-4.67
Net Debt / FCF Ratio	-0.33	-0.33	-2.87	-0.20	-4.62	-9.07
Quick Ratio	0.06	0.06	0.06	0.05	1.57	1.60
Current Ratio	2.14	2.14	2.05	1.92	1.88	1.94
Asset Turnover	0.39	0.39	0.36	0.31	0.33	0.35
Return on Equity (ROE)	12.53%	12.53%	12.72%	12.14%	11.56%	12.93%
Return on Assets (ROA)	5.18%	5.18%	5.71%	4.70%	4.72%	5.55%
Return on Invested Capital (ROIC)	11.88%	12.20%	12.65%	12.12%	11.97%	13.51%
Earnings Yield	4.38%	5.84%	5.52%	3.58%	6.76%	5.00%
FCF Yield	2.00%	2.66%	0.25%	1.85%	13.64%	3.93%
Dividend Yield	1.55%	2.13%	2.21%	0.86%	2.67%	1.96%
Payout Ratio	35.83%	35.83%	22.15%	32.55%	36.91%	33.71%
Total Shareholder Return	1.55%	2.13%	2.21%	0.86%	2.67%	1.96%

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