Crystal Insurance PLC (DSE:CRYSTALINS)

Crystal Insurance Statistics

Total Valuation

DSE:CRYSTALINS has a market cap or net worth of BDT 3.18 billion. The enterprise value is 3.10 billion.

Market Cap	3.18B
Enterprise Value	3.10B

Important Dates

The next estimated earnings date is Sunday, May 10, 2026.

Earnings Date	May 10, 2026
Ex-Dividend Date	Mar 9, 2026

Share Statistics

DSE:CRYSTALINS has 44.00 million shares outstanding.

Current Share Class	44.00M
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	18.48M

Valuation Ratios

The trailing PE ratio is 20.48.

PE Ratio	20.48
Forward PE	n/a
PS Ratio	3.82
PB Ratio	2.62
P/TBV Ratio	2.62
P/FCF Ratio	49.62
P/OCF Ratio	43.19
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 15.02, with an EV/FCF ratio of 48.37.

EV / Earnings	19.95
EV / Sales	3.73
EV / EBITDA	15.02
EV / EBIT	16.12
EV / FCF	48.37

Financial Position

The company has a current ratio of 2.73, with a Debt / Equity ratio of 0.01.

Current Ratio	2.73
Quick Ratio	0.49
Debt / Equity	0.01
Debt / EBITDA	0.08
Debt / FCF	0.24
Interest Coverage	115.69

Financial Efficiency

Return on equity (ROE) is 13.30% and return on invested capital (ROIC) is 11.88%.

Return on Equity (ROE)	13.30%
Return on Assets (ROA)	5.40%
Return on Invested Capital (ROIC)	11.88%
Return on Capital Employed (ROCE)	11.04%
Weighted Average Cost of Capital (WACC)	5.97%
Revenue Per Employee	2.56M
Profits Per Employee	478,342
Employee Count	325
Asset Turnover	0.37
Inventory Turnover	n/a

Taxes

In the past 12 months, DSE:CRYSTALINS has paid 38.62 million in taxes.

Income Tax	38.62M
Effective Tax Rate	19.90%

Stock Price Statistics

The stock price has increased by +81.82% in the last 52 weeks. The beta is 0.31, so DSE:CRYSTALINS's price volatility has been lower than the market average.

Beta (5Y)	0.31
52-Week Price Change	+81.82%
50-Day Moving Average	77.95
200-Day Moving Average	61.45
Relative Strength Index (RSI)	37.92
Average Volume (20 Days)	670,508

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 832.21 million and earned 155.46 million in profits. Earnings per share was 3.53.

Revenue	832.21M
Gross Profit	470.60M
Operating Income	192.43M
Pretax Income	194.08M
Net Income	155.46M
EBITDA	195.49M
EBIT	192.43M
Earnings Per Share (EPS)	3.53

Balance Sheet

The company has 95.35 million in cash and 15.64 million in debt, with a net cash position of 79.71 million or 1.81 per share.

Cash & Cash Equivalents	95.35M
Total Debt	15.64M
Net Cash	79.71M
Net Cash Per Share	1.81
Equity (Book Value)	1.21B
Book Value Per Share	27.50
Working Capital	1.01B

Cash Flow

In the last 12 months, operating cash flow was 73.65 million and capital expenditures -9.54 million, giving a free cash flow of 64.11 million.

Operating Cash Flow	73.65M
Capital Expenditures	-9.54M
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	64.11M
FCF Per Share	1.46

Margins

Gross margin is 56.55%, with operating and profit margins of 23.12% and 18.68%.

Gross Margin	56.55%
Operating Margin	23.12%
Pretax Margin	23.32%
Profit Margin	18.68%
EBITDA Margin	23.49%
EBIT Margin	23.12%
FCF Margin	7.70%

Dividends & Yields

This stock pays an annual dividend of 1.20, which amounts to a dividend yield of 1.62%.

Dividend Per Share	1.20
Dividend Yield	1.62%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	1
Payout Ratio	17.58%
Buyback Yield	n/a
Shareholder Yield	1.62%
Earnings Yield	4.89%
FCF Yield	2.02%

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	5