Express Insurance Limited (DSE:EIL)

Express Insurance Income Statement

Financials in millions BDT. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Total Interest & Dividend Income	122.65	112.19	84.79	84.85	69.7	40.12
Gain (Loss) on Sale of Investments	-17.75	-36.81	3.84	5.27	38.84	13.9
Other Revenue	63.05	97.05	94.49	101.61	79.46	80.94
Total Revenue	167.96	172.43	183.13	191.73	188	134.96
Revenue Growth (YoY)	8.21%	-5.84%	-4.49%	1.98%	39.30%	39.72%
Depreciation & Amortization	29.3	29.65	26.27	27.68	20.83	16.78
Selling, General & Administrative	8	6.63	8.55	6.99	8.1	10.02
Other Operating Expenses	-	-	-	-	5.86	-
Total Operating Expenses	44.22	45.51	46.49	46.51	43.99	33.62
Operating Income	123.73	126.91	136.63	145.22	144.01	101.33
Interest Expense	-1.67	-1.67	-1.4	-1.03	-1.87	-1.63
Other Non Operating Income (Expenses)	-4.28	-2.68	-2.46	-2.08	-1.94	-11.67
EBT Excluding Unusual Items	117.78	122.56	132.77	142.11	140.21	88.04
Gain (Loss) on Sale of Assets	1.13	0.62	0.81	3.18	0.62	0.45
Other Unusual Items	-58.62	-58.62	-58.41	-40.16	-61.41	-55.45
Pretax Income	60.29	64.56	75.17	105.13	79.41	33.04
Income Tax Expense	43.78	42.71	35.31	58.65	25.36	11.02
Net Income	16.51	21.85	39.85	46.48	54.05	22.02
Net Income to Common	16.51	21.85	39.85	46.48	54.05	22.02
Net Income Growth	8.99%	-45.16%	-14.26%	-14.00%	145.45%	-57.16%
Shares Outstanding (Basic)	65	65	65	65	65	53
Shares Outstanding (Diluted)	65	65	65	65	65	53
Shares Change (YoY)	-	-	-	-	22.45%	36.11%
EPS (Basic)	0.25	0.34	0.61	0.71	0.83	0.41
EPS (Diluted)	0.25	0.34	0.61	0.71	0.83	0.41
EPS Growth	8.99%	-45.16%	-14.26%	-14.00%	100.45%	-68.52%
Free Cash Flow	120.45	81.44	91.78	161.09	175.59	211.77
Free Cash Flow Per Share	1.85	1.25	1.41	2.47	2.69	3.98
Dividend Per Share	0.500	0.500	0.700	0.700	1.000	0.700
Dividend Growth	-28.57%	-28.57%	-	-30.00%	42.86%	-
Operating Margin	73.67%	73.60%	74.61%	75.74%	76.60%	75.09%
Profit Margin	9.83%	12.68%	21.76%	24.24%	28.75%	16.32%
Free Cash Flow Margin	71.71%	47.23%	50.12%	84.02%	93.40%	156.92%
EBITDA	140.96	144.49	151.35	159.12	156.18	110.91
EBITDA Margin	83.93%	83.80%	82.65%	83.00%	83.07%	82.18%
D&A For EBITDA	17.23	17.58	14.72	13.91	12.17	9.57
EBIT	123.73	126.91	136.63	145.22	144.01	101.33
EBIT Margin	73.67%	73.60%	74.61%	75.74%	76.60%	75.09%
Effective Tax Rate	72.62%	66.15%	46.98%	55.78%	31.94%	33.35%
Revenue as Reported	206.23	210.19	183.93	202.78	188.62	135.41

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.