Crystal Insurance PLC (DSE:CRYSTALINS)

Crystal Insurance Statistics

Total Valuation

DSE:CRYSTALINS has a market cap or net worth of BDT 3.22 billion. The enterprise value is 3.19 billion.

Market Cap	3.22B
Enterprise Value	3.19B

Important Dates

The last earnings date was Monday, February 16, 2026.

Earnings Date	Feb 16, 2026
Ex-Dividend Date	Mar 9, 2026

Share Statistics

DSE:CRYSTALINS has 44.00 million shares outstanding. The number of shares has increased by 0.06% in one year.

Current Share Class	44.00M
Shares Outstanding	44.00M
Shares Change (YoY)	+0.06%
Shares Change (QoQ)	-0.00%
Owned by Insiders (%)	58.00%
Owned by Institutions (%)	n/a
Float	18.48M

Valuation Ratios

The trailing PE ratio is 21.89.

PE Ratio	21.89
Forward PE	n/a
PS Ratio	3.82
PB Ratio	2.64
P/TBV Ratio	2.64
P/FCF Ratio	48.08
P/OCF Ratio	42.03
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 14.45, with an EV/FCF ratio of 47.74.

EV / Earnings	21.73
EV / Sales	3.79
EV / EBITDA	14.45
EV / EBIT	17.51
EV / FCF	47.74

Financial Position

The company has a current ratio of 3.10, with a Debt / Equity ratio of 0.01.

Current Ratio	3.10
Quick Ratio	0.44
Debt / Equity	0.01
Debt / EBITDA	0.08
Debt / FCF	0.26
Interest Coverage	107.36

Financial Efficiency

Return on equity (ROE) is 12.53% and return on invested capital (ROIC) is 12.19%.

Return on Equity (ROE)	12.53%
Return on Assets (ROA)	5.31%
Return on Invested Capital (ROIC)	12.19%
Return on Capital Employed (ROCE)	10.50%
Weighted Average Cost of Capital (WACC)	8.06%
Revenue Per Employee	2.60M
Profits Per Employee	453,579
Employee Count	324
Asset Turnover	0.39
Inventory Turnover	n/a

Taxes

In the past 12 months, DSE:CRYSTALINS has paid 32.61 million in taxes.

Income Tax	32.61M
Effective Tax Rate	18.16%

Stock Price Statistics

The stock price has increased by +48.15% in the last 52 weeks. The beta is 0.69, so DSE:CRYSTALINS's price volatility has been lower than the market average.

Beta (5Y)	0.69
52-Week Price Change	+48.15%
50-Day Moving Average	71.58
200-Day Moving Average	54.37
Relative Strength Index (RSI)	41.70
Average Volume (20 Days)	601,346

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, DSE:CRYSTALINS had revenue of BDT 841.95 million and earned 146.96 million in profits. Earnings per share was 3.34.

Revenue	841.95M
Gross Profit	451.77M
Operating Income	182.39M
Pretax Income	179.57M
Net Income	146.96M
EBITDA	221.01M
EBIT	182.39M
Earnings Per Share (EPS)	3.34

Balance Sheet

The company has 39.99 million in cash and 17.57 million in debt, with a net cash position of 22.41 million or 0.51 per share.

Cash & Cash Equivalents	39.99M
Total Debt	17.57M
Net Cash	22.41M
Net Cash Per Share	0.51
Equity (Book Value)	1.22B
Book Value Per Share	27.65
Working Capital	1.04B

Cash Flow

In the last 12 months, operating cash flow was 76.52 million and capital expenditures -9.62 million, giving a free cash flow of 66.90 million.

Operating Cash Flow	76.52M
Capital Expenditures	-9.62M
Free Cash Flow	66.90M
FCF Per Share	1.52

Margins

Gross margin is 53.66%, with operating and profit margins of 21.66% and 17.45%.

Gross Margin	53.66%
Operating Margin	21.66%
Pretax Margin	21.33%
Profit Margin	17.45%
EBITDA Margin	26.25%
EBIT Margin	21.66%
FCF Margin	7.95%

Dividends & Yields

This stock pays an annual dividend of 1.20, which amounts to a dividend yield of 1.67%.

Dividend Per Share	1.20
Dividend Yield	1.67%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	1
Payout Ratio	35.93%
Buyback Yield	-0.06%
Shareholder Yield	1.61%
Earnings Yield	4.57%
FCF Yield	2.08%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on March 13, 2024. It was a forward split with a ratio of 1.1.

Last Split Date	Mar 13, 2024
Split Type	Forward
Split Ratio	1.1

Scores

Altman Z-Score	n/a
Piotroski F-Score	3