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	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
Net Income	62.19	32.92	21.85	39.85	46.48	54.05
Depreciation & Amortization	28.98	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	-56.98	-84.4	-61.6	16.37	5.96	19.49
Other Operating Activities	39.3	86.92	107.49	98.46	91.03	95.97
Operating Cash Flow	73.5	64.37	97.4	115.26	173.21	206.9
Operating Cash Flow Growth	-46.95%	-33.91%	-15.50%	-33.46%	-16.28%	-11.58%
Capital Expenditures	-6.24	-8.49	-15.99	-23.48	-12.12	-31.31
Investment in Securities	-111.48	-111.34	-19.97	-9.37	-11.93	-24.38
Other Investing Activities	-	-	-	-	-	-3.1
Investing Cash Flow	-117.72	-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	-76.79	-88.02	15.96	36.85	77.08	142.67
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%
Free Cash Flow Margin	35.68%	34.58%	47.21%	50.12%	84.02%	93.40%
Free Cash Flow Per Share	1.03	0.86	1.25	1.41	2.47	2.69
Levered Free Cash Flow	113.98	43.4	42.36	81.21	174.72	200.26
Unlevered Free Cash Flow	114.85	44.27	43.41	82.08	175.36	201.43
Cash Income Tax Paid	58.05	55.9	32.1	47.86	31.12	27.67
Change in Working Capital	-56.98	-84.4	-61.6	-44.55	15.59	76.41