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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	16.51	21.85	39.85	46.48	54.05	22.02
Depreciation & Amortization	29.3	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	9.51	-0.35	16.37	5.96	19.49	30.03
Other Operating Activities	146.17	109.2	98.46	91.03	95.97	73.02
Operating Cash Flow	138.57	97.43	115.26	173.21	206.9	234.01
Operating Cash Flow Growth	35.62%	-15.47%	-33.46%	-16.28%	-11.58%	81.39%
Capital Expenditures	-18.12	-15.99	-23.48	-12.12	-31.31	-22.24
Investment in Securities	-39.35	-19.97	-9.37	-11.93	-24.38	-66.31
Other Investing Activities	-	-	-	-	-3.1	-2.04
Investing Cash Flow	-57.47	-35.97	-32.85	-24.06	-58.79	-90.59
Issuance of Common Stock	-	-	-	-	-	260.79
Common Dividends Paid	-45.49	-45.5	-45.56	-72.08	-5.44	-32.6
Financing Cash Flow	-45.49	-45.5	-45.56	-72.08	-5.44	228.19
Miscellaneous Cash Flow Adjustments	-	-	-	-	-	-0
Net Cash Flow	35.61	15.96	36.85	77.08	142.67	371.61
Free Cash Flow	120.45	81.44	91.78	161.09	175.59	211.77
Free Cash Flow Growth	49.31%	-11.27%	-43.03%	-8.26%	-17.09%	70.96%
Free Cash Flow Margin	71.71%	47.23%	50.12%	84.02%	93.40%	156.92%
Free Cash Flow Per Share	1.85	1.25	1.41	2.47	2.69	3.98
Cash Income Tax Paid	41.41	32.1	47.86	31.12	27.67	30.32
Levered Free Cash Flow	131.33	42.36	81.21	174.72	200.26	184.18
Unlevered Free Cash Flow	132.37	43.41	82.08	175.36	201.43	185.19
Change in Working Capital	-11.18	-21.04	-44.55	15.59	76.41	137.85

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