Express Insurance Limited (DSE:EIL)

Express Insurance Cash Flow 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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	55.3	21.85	39.85	46.48	54.05	22.02
Depreciation & Amortization	42.42	29.65	26.27	27.68	20.83	16.78
Gain (Loss) on Sale of Assets	-0.63	-0.63	-0.81	-3.18	-0.62	-
Gain (Loss) on Sale of Investments	-41.6	-41.6	-3.96	-4.39	-39.74	-15.67
Change in Unearned Revenue	-9.3	-9.3	-56.98	-27.9	23.92	75.48
Change in Insurance Reserves / Liabilities	-11.39	-11.39	-3.95	37.53	33	32.35
Change in Other Net Operating Assets	-30.27	-0.35	16.37	5.96	19.49	30.03
Other Operating Activities	116.2	109.2	98.46	91.03	95.97	73.02
Operating Cash Flow	120.74	97.43	115.26	173.21	206.9	234.01
Operating Cash Flow Growth	12.16%	-15.47%	-33.46%	-16.28%	-11.58%	81.39%
Capital Expenditures	-16.17	-15.99	-23.48	-12.12	-31.31	-22.24
Investment in Securities	-43.58	-19.97	-9.37	-11.93	-24.38	-66.31
Other Investing Activities	-	-	-	-	-3.1	-2.04
Investing Cash Flow	-59.75	-35.97	-32.85	-24.06	-58.79	-90.59
Issuance of Common Stock	-	-	-	-	-	260.79
Common Dividends Paid	-32.57	-45.5	-45.56	-72.08	-5.44	-32.6
Financing Cash Flow	-32.57	-45.5	-45.56	-72.08	-5.44	228.19
Miscellaneous Cash Flow Adjustments	-	-	-	-	-	-0
Net Cash Flow	28.41	15.96	36.85	77.08	142.67	371.61
Free Cash Flow	104.57	81.44	91.78	161.09	175.59	211.77
Free Cash Flow Growth	15.23%	-11.27%	-43.03%	-8.26%	-17.09%	70.96%
Free Cash Flow Margin	71.25%	47.23%	50.12%	84.02%	93.40%	156.92%
Free Cash Flow Per Share	1.60	1.25	1.41	2.47	2.69	3.98
Cash Income Tax Paid	76.72	32.1	47.86	31.12	27.67	30.32
Levered Free Cash Flow	134.8	42.36	81.21	174.72	200.26	184.18
Unlevered Free Cash Flow	135.85	43.41	82.08	175.36	201.43	185.19
Change in Working Capital	-50.96	-21.04	-44.55	15.59	76.41	137.85

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