Islami Commercial Insurance PLC. (DSE:ICICL)

DSE:ICICL Income 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
Premiums & Annuity Revenue	431.08	447.07	361.18	363.47	335.12	360.73
Total Interest & Dividend Income	43.91	50.88	45.14	26.09	17.62	13.76
Other Revenue	28.14	28.14	24.1	28.01	34.79	34.28
Total Revenue	502.81	526.08	430.41	417.57	387.53	408.78
Revenue Growth (YoY)	15.17%	22.23%	3.08%	7.75%	-5.20%	0.01%
Policy Benefits	32.07	32.07	24.32	43.97	86.81	99.34
Policy Acquisition & Underwriting Costs	76.02	76.02	57.35	47.26	22.51	63.43
Depreciation & Amortization	5.85	7.49	7.42	7.01	7.86	8.94
Selling, General & Administrative	309.64	309.24	251.25	219.06	193.16	176.34
Other Operating Expenses	-0.06	2.37	1.07	1.07	0.69	1.97
Total Operating Expenses	423.52	427.19	341.42	318.37	314.93	352.33
Operating Income	79.29	98.89	88.99	99.2	72.6	56.44
Other Non Operating Income (Expenses)	-3.63	-2.05	-3.35	-7.62	-9.55	-2.17
EBT Excluding Unusual Items	75.66	96.84	85.64	91.58	63.05	54.28
Gain (Loss) on Sale of Assets	0.32	-9.03	2.32	-1.97	14.95	-7.93
Pretax Income	75.98	87.81	87.96	89.61	78	46.34
Income Tax Expense	25.25	29.17	28.5	29.92	20.12	15.09
Net Income	50.73	58.64	59.46	59.69	57.87	31.25
Preferred Dividends & Other Adjustments	1.99	1.99	2.93	7.55	2.5	-
Net Income to Common	48.75	56.65	56.54	52.14	55.37	31.25
Net Income Growth	-11.92%	-1.38%	-0.38%	3.14%	85.17%	-7.45%
Shares Outstanding (Basic)	51	51	51	51	30	30
Shares Outstanding (Diluted)	51	51	51	51	30	30
Shares Change (YoY)	0.13%	-	-	66.67%	-	3.00%
EPS (Basic)	0.96	1.12	1.12	1.03	1.82	1.03
EPS (Diluted)	0.96	1.12	1.12	1.03	1.82	1.03
EPS Growth	-10.96%	0.21%	8.43%	-43.50%	77.18%	-10.14%
Free Cash Flow	35.24	-1.72	64.11	77.7	100.54	-0.66
Free Cash Flow Per Share	0.70	-0.03	1.27	1.53	3.31	-0.02
Dividend Per Share	1.000	1.000	1.000	1.000	1.000	0.700
Dividend Growth	-	-	-	-	42.86%	-
Operating Margin	15.77%	18.80%	20.68%	23.76%	18.73%	13.81%
Profit Margin	9.70%	10.77%	13.13%	12.49%	14.29%	7.65%
Free Cash Flow Margin	7.01%	-0.33%	14.89%	18.61%	25.94%	-0.16%
EBITDA	88.52	106.26	96.27	106.21	80.46	65.38
EBITDA Margin	17.61%	20.20%	22.37%	25.44%	20.76%	16.00%
D&A For EBITDA	9.23	7.37	7.28	7.01	7.86	8.94
EBIT	79.29	98.89	88.99	99.2	72.6	56.44
EBIT Margin	15.77%	18.80%	20.68%	23.76%	18.73%	13.81%
Effective Tax Rate	33.23%	33.22%	32.40%	33.39%	25.80%	32.56%
Revenue as Reported	104.5	104.5	102.91	-	-	-

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