Crystal Insurance Company Limited (DSE: CRYSTALINS)

Crystal Insurance Company Statistics

Total Valuation

Crystal Insurance Company has a market cap or net worth of BDT 2.30 billion. The enterprise value is 2.26 billion.

Market Cap	2.30B
Enterprise Value	2.26B

Important Dates

The next estimated earnings date is Tuesday, February 18, 2025.

Earnings Date	Feb 18, 2025
Ex-Dividend Date	Mar 13, 2024

Share Statistics

Crystal Insurance Company has 44.00 million shares outstanding.

Current Share Class	n/a
Shares Outstanding	44.00M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	58.00%
Owned by Institutions (%)	n/a
Float	16.72M

Valuation Ratios

The trailing PE ratio is 16.82.

PE Ratio	16.82
Forward PE	n/a
PS Ratio	3.24
PB Ratio	2.08
P/TBV Ratio	2.08
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 10.00, with an EV/FCF ratio of -117.07.

EV / Earnings	16.55
EV / Sales	3.19
EV / EBITDA	10.00
EV / EBIT	12.42
EV / FCF	-117.07

Financial Position

The company has a current ratio of 2.10, with a Debt / Equity ratio of 0.02.

Current Ratio	2.10
Quick Ratio	0.09
Debt / Equity	0.02
Debt / EBITDA	0.09
Debt / FCF	-1.09
Interest Coverage	183.68

Financial Efficiency

Return on equity (ROE) is 12.92% and return on invested capital (ROIC) is 10.59%.

Return on Equity (ROE)	12.92%
Return on Assets (ROA)	5.91%
Return on Capital (ROIC)	10.59%
Revenue Per Employee	2.27M
Profits Per Employee	437,028
Employee Count	317
Asset Turnover	0.37
Inventory Turnover	n/a

Taxes

Income Tax	n/a
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has decreased by -42.62% in the last 52 weeks. The beta is 0.43, so Crystal Insurance Company's price volatility has been lower than the market average.

Beta (5Y)	0.43
52-Week Price Change	-42.62%
50-Day Moving Average	54.52
200-Day Moving Average	72.33
Relative Strength Index (RSI)	44.65
Average Volume (20 Days)	243,295

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, Crystal Insurance Company had revenue of BDT 710.13 million and earned 136.79 million in profits. Earnings per share was 3.11.

Revenue	710.13M
Gross Profit	433.06M
Operating Income	182.28M
Pretax Income	180.59M
Net Income	136.79M
EBITDA	215.96M
EBIT	182.28M
Earnings Per Share (EPS)	3.11

Balance Sheet

The company has 58.54 million in cash and 21.02 million in debt, giving a net cash position of 37.52 million or 0.85 per share.

Cash & Cash Equivalents	58.54M
Total Debt	21.02M
Net Cash	37.52M
Net Cash Per Share	0.85
Equity (Book Value)	1.11B
Book Value Per Share	25.19
Working Capital	699.88M

Cash Flow

In the last 12 months, operating cash flow was 52.60 million and capital expenditures -71.94 million, giving a free cash flow of -19.34 million.

Operating Cash Flow	52.60M
Capital Expenditures	-71.94M
Free Cash Flow	-19.34M
FCF Per Share	-0.44

Margins

Gross margin is 60.98%, with operating and profit margins of 25.67% and 19.26%.

Gross Margin	60.98%
Operating Margin	25.67%
Pretax Margin	25.43%
Profit Margin	19.26%
EBITDA Margin	30.41%
EBIT Margin	25.67%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.64, which amounts to a dividend yield of 1.22%.

Dividend Per Share	0.64
Dividend Yield	1.22%
Dividend Growth (YoY)	-23.00%
Years of Dividend Growth	n/a
Payout Ratio	26.16%
Buyback Yield	n/a
Shareholder Yield	1.22%
Earnings Yield	5.94%
FCF Yield	-0.84%

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	n/a