Crystal Insurance PLC (DSE:CRYSTALINS)
Bangladesh flag Bangladesh · Delayed Price · Currency is BDT
64.80
+1.80 (2.86%)
At close: Nov 4, 2026

Crystal Insurance Statistics

Total Valuation

DSE:CRYSTALINS has a market cap or net worth of BDT 2.85 billion. The enterprise value is 2.81 billion.

Market Cap2.85B
Enterprise Value 2.81B

Important Dates

The next estimated earnings date is Thursday, November 5, 2026.

Earnings Date Nov 5, 2026
Ex-Dividend Date Mar 9, 2026

Share Statistics

DSE:CRYSTALINS has 44.00 million shares outstanding. The number of shares has increased by 0.02% in one year.

Current Share Class 44.00M
Shares Outstanding 44.00M
Shares Change (YoY) +0.02%
Shares Change (QoQ) -0.12%
Owned by Insiders (%) 58.00%
Owned by Institutions (%) n/a
Float 18.48M

Valuation Ratios

The trailing PE ratio is 17.33.

PE Ratio 17.33
Forward PE n/a
PS Ratio 3.32
PB Ratio 2.21
P/TBV Ratio 2.21
P/FCF Ratio 23.07
P/OCF Ratio 21.57
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 12.08, with an EV/FCF ratio of 22.77.

EV / Earnings 17.12
EV / Sales 3.27
EV / EBITDA 12.08
EV / EBIT 13.82
EV / FCF 22.77

Financial Position

The company has a current ratio of 2.89, with a Debt / Equity ratio of 0.01.

Current Ratio 2.89
Quick Ratio 0.50
Debt / Equity 0.01
Debt / EBITDA 0.06
Debt / FCF 0.10
Interest Coverage 125.87

Financial Efficiency

Return on equity (ROE) is 13.21% and return on invested capital (ROIC) is 12.23%.

Return on Equity (ROE) 13.21%
Return on Assets (ROA) 5.60%
Return on Invested Capital (ROIC) 12.23%
Return on Capital Employed (ROCE) 11.12%
Weighted Average Cost of Capital (WACC) 5.27%
Revenue Per Employee 2.63M
Profits Per Employee 502,820
Employee Count327
Asset Turnover 0.38
Inventory Turnover n/a

Taxes

In the past 12 months, DSE:CRYSTALINS has paid 40.36 million in taxes.

Income Tax 40.36M
Effective Tax Rate 19.71%

Stock Price Statistics

The stock price has increased by +15.17% in the last 52 weeks. The beta is 0.18, so DSE:CRYSTALINS's price volatility has been lower than the market average.

Beta (5Y) 0.18
52-Week Price Change +15.17%
50-Day Moving Average 64.71
200-Day Moving Average 71.55
Relative Strength Index (RSI) 45.58
Average Volume (20 Days) 237,801

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 860.06 million and earned 164.42 million in profits. Earnings per share was 3.74.

Revenue860.06M
Gross Profit 470.80M
Operating Income 203.60M
Pretax Income 204.78M
Net Income 164.42M
EBITDA 230.30M
EBIT 203.60M
Earnings Per Share (EPS) 3.74
Full Income Statement

Balance Sheet

The company has 70.64 million in cash and 12.85 million in debt, with a net cash position of 57.79 million or 1.31 per share.

Cash & Cash Equivalents 70.64M
Total Debt 12.85M
Net Cash 57.79M
Net Cash Per Share 1.31
Equity (Book Value) 1.29B
Book Value Per Share 29.28
Working Capital 1.04B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 132.16 million and capital expenditures -8.56 million, giving a free cash flow of 123.60 million.

Operating Cash Flow 132.16M
Capital Expenditures -8.56M
Depreciation & Amortization n/a
Net Borrowing n/a
Free Cash Flow 123.60M
FCF Per Share 2.81
Full Cash Flow Statement

Margins

Gross margin is 54.74%, with operating and profit margins of 23.67% and 19.12%.

Gross Margin 54.74%
Operating Margin 23.67%
Pretax Margin 23.81%
Profit Margin 19.12%
EBITDA Margin 26.78%
EBIT Margin 23.67%
FCF Margin 14.60%

Dividends & Yields

This stock pays an annual dividend of 1.20, which amounts to a dividend yield of 1.85%.

Dividend Per Share 1.20
Dividend Yield 1.85%
Dividend Growth (YoY) n/a
Years of Dividend Growth 1
Payout Ratio 28.27%
FCF Payout Ratio 49.93%
Buyback Yield -0.02%
Shareholder Yield 1.83%
Earnings Yield 5.77%
FCF Yield 4.33%
Dividend Details

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