Express Insurance Cash Flow Statement

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

Millions BDT. Fiscal year is Jan - Dec.

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
Net Income	36.63	32.92	21.85	39.85	46.48	54.05
Depreciation & Amortization	28.94	28.93	29.65	26.27	27.68	20.83
Gain (Loss) on Sale of Assets	-	-	-	-0.81	-3.18	-0.62
Gain (Loss) on Sale of Investments	-	-	-	-3.96	-4.39	-39.74
Change in Unearned Revenue	-	-	-	-56.98	-27.9	23.92
Change in Insurance Reserves / Liabilities	-	-	-	-3.95	37.53	33
Change in Other Net Operating Assets	-96.95	-84.4	-61.6	16.37	5.96	19.49
Other Operating Activities	66.35	86.92	107.49	98.46	91.03	95.97
Operating Cash Flow	34.97	64.37	97.4	115.26	173.21	206.9
Operating Cash Flow Growth	-72.69%	-33.91%	-15.50%	-33.46%	-16.28%	-11.58%
Capital Expenditures	-12.34	-8.49	-15.99	-23.48	-12.12	-31.31
Investment in Securities	-98.76	-111.34	-19.97	-9.37	-11.93	-24.38
Other Investing Activities	-	-	-	-	-	-3.1
Investing Cash Flow	-111.1	-119.83	-35.97	-32.85	-24.06	-58.79
Common Dividends Paid	-32.56	-32.56	-45.5	-45.56	-72.08	-5.44
Financing Cash Flow	-32.56	-32.56	-45.5	-45.56	-72.08	-5.44
Miscellaneous Cash Flow Adjustments	-	-	0.03	-	-	-
Net Cash Flow	-108.69	-88.02	15.96	36.85	77.08	142.67
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%
Free Cash Flow Margin	14.02%	34.58%	47.21%	50.12%	84.02%	93.40%
Free Cash Flow Per Share	0.35	0.86	1.25	1.41	2.47	2.69
Cash Income Tax Paid	54.69	55.9	32.1	47.86	31.12	27.67
Levered Free Cash Flow	50.13	43.4	42.36	81.21	174.72	200.26
Unlevered Free Cash Flow	51	44.27	43.41	82.08	175.36	201.43
Change in Working Capital	-96.95	-84.4	-61.6	-44.55	15.59	76.41