Express Insurance Limited (DSE:EIL)

Bangladesh · Delayed Price · Currency is BDT

30.60

+0.10 (0.33%)

At close: Jul 23, 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	Mar '26 Mar 31, 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	161.44	161.62	172.43	183.13	191.73	188
Revenue Growth	-6.07%	-6.27%	-5.84%	-4.49%	1.98%	39.30%
Operating Income	127.47	124.06	126.91	136.63	145.22	144.01
Net Income	36.63	32.92	21.85	39.85	46.48	54.05
Earnings Per Share	0.56	0.50	0.34	0.61	0.71	0.83
EPS Growth	80.91%	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	Mar '26 Mar 31, 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	1,196	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)	1,196	1,102	1,135	1,142	1,122	1,064
Net Cash Growth	-3.13%	-2.93%	-0.64%	1.85%	5.41%	14.80%
Net Cash Per Share	18.35	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	Mar '26 Mar 31, 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	34.97	64.37	97.4	115.26	173.21	206.9
Capital Expenditures	-12.34	-8.49	-15.99	-23.48	-12.12	-31.31
Free Cash Flow	22.63	55.88	81.4	91.78	161.09	175.59
Free Cash Flow Growth	-80.46%	-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	Mar '26 Mar 31, 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	78.96%	76.76%	73.60%	74.61%	75.74%	76.60%
Pretax Margin	52.64%	49.37%	37.44%	41.05%	54.83%	42.24%
Profit Margin	22.69%	20.37%	12.68%	21.76%	24.24%	28.75%
FCF Margin	14.02%	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	Jul '26 Jul 27, 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	1.63%	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	Jul '26 Jul 27, 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	55.17	55.85	176.01	61.84	38.29	42.10
P/FCF Ratio	89.30	32.90	47.25	26.85	11.05	12.96
PS Ratio	12.52	11.38	22.31	13.46	9.28	12.10