Express Insurance Limited (DSE:EIL)

Bangladesh · Delayed Price · Currency is BDT

34.00

-0.40 (-1.16%)

At close: Aug 13, 2026

Express Insurance Financials Overview

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

Millions BDT. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	188.51	161.62	172.43	183.13	191.73	188
Revenue Growth	11.90%	-6.27%	-5.84%	-4.49%	1.98%	39.30%
Operating Income	151.06	124.06	126.91	136.63	145.22	144.01
Net Income	62.19	32.92	21.85	39.85	46.48	54.05
Earnings Per Share	0.95	0.50	0.34	0.61	0.71	0.83
EPS Growth	276.80%	50.64%	-45.16%	-14.26%	-14.00%	100.45%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	1,230	1,201	1,219	1,203	1,166	1,089
Total Debt	-	98.7	83.46	60.24	44.18	24.62
Net Cash (Debt)	1,230	1,102	1,135	1,142	1,122	1,064
Net Cash Growth	-0.55%	-2.93%	-0.64%	1.85%	5.41%	14.80%
Net Cash Per Share	18.87	16.90	17.41	17.52	17.20	16.32

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	73.5	64.37	97.4	115.26	173.21	206.9
Capital Expenditures	-6.24	-8.49	-15.99	-23.48	-12.12	-31.31
Free Cash Flow	67.26	55.88	81.4	91.78	161.09	175.59
Free Cash Flow Growth	-44.15%	-31.36%	-11.30%	-43.03%	-8.26%	-17.09%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Margin	80.14%	76.76%	73.60%	74.61%	75.74%	76.60%
Pretax Margin	57.59%	49.37%	37.44%	41.05%	54.83%	42.24%
Profit Margin	32.99%	20.37%	12.68%	21.76%	24.24%	28.75%
FCF Margin	35.68%	34.58%	47.21%	50.12%	84.02%	93.40%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 16, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.500	0.500	0.500	0.700	0.700	1.000
Dividend Per Share Growth	0%	0%	-28.57%	0%	-30.00%	42.86%
Dividend Yield	1.47%	1.81%	0.87%	1.95%	2.77%	3.20%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 16, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	35.64	55.85	176.01	61.84	38.29	42.10
P/FCF Ratio	32.96	32.90	47.25	26.85	11.05	12.96
PS Ratio	11.76	11.38	22.31	13.46	9.28	12.10