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 2, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	3,216	2,517	2,495	3,404	1,612	2,264
Market Cap Growth	44.75%	0.88%	-26.71%	111.17%	-28.80%	43.66%
Enterprise Value	3,194	2,490	2,457	2,394	1,581	2,232
PE Ratio	21.89	17.13	18.13	27.93	14.80	20.01
PS Ratio	3.82	2.99	3.50	5.78	2.81	4.29
PB Ratio	2.64	2.07	2.21	3.29	1.66	2.48
P/FCF Ratio	48.08	37.62	393.67	53.93	7.33	25.43
P/OCF Ratio	42.03	32.89	25.78	48.87	6.63	20.25
EV/Sales Ratio	3.79	2.96	3.44	4.07	2.76	4.23
EV/EBITDA Ratio	14.45	11.27	11.31	13.42	9.44	12.91
EV/EBIT Ratio	17.51	13.65	13.57	17.00	12.18	16.48
EV/FCF Ratio	47.74	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	-0.10	-0.10	-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	0.44	0.44	0.06	0.05	1.57	1.60
Current Ratio	3.10	3.10	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)	5.32%	5.32%	5.71%	4.70%	4.72%	5.55%
Return on Invested Capital (ROIC)	12.19%	12.52%	12.65%	12.12%	11.97%	13.51%
Earnings Yield	4.57%	5.84%	5.52%	3.58%	6.76%	5.00%
FCF Yield	2.08%	2.66%	0.25%	1.85%	13.64%	3.93%
Dividend Yield	1.67%	-	2.17%	0.85%	2.63%	1.93%
Payout Ratio	35.93%	35.83%	22.15%	32.55%	36.91%	33.71%
Buyback Yield / Dilution	-0.06%	0.00%	-	-	-	-
Total Shareholder Return	1.61%	-	2.17%	0.85%	2.63%	1.93%

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