Karnaphuli Insurance PLC (DSE:KARNAPHULI)

Bangladesh · Delayed Price · Currency is BDT

44.00

+0.20 (0.46%)

At close: Jul 23, 2026

Karnaphuli Insurance Financials Overview

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

Millions BDT. Fiscal year is Jan - Dec.

Revenue & Profits

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
Revenue	561.71	574.25	568.91	483.08	444.91	435.04
Revenue Growth	-4.66%	0.94%	17.77%	8.58%	2.27%	16.41%
Operating Income	130.44	130.61	118.41	110.37	110.33	144.31
Net Income	98.53	95.76	96.48	84.74	83.42	106.36
Earnings Per Share	2.20	2.13	2.15	1.89	1.86	2.37
EPS Growth	2.98%	-0.75%	13.85%	1.59%	-21.57%	48.03%

Cash & Debt

Fiscal Year	Current	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
Cash & Investments	890.88	876.86	832.81	795.56	773.45	820.44
Total Debt	-	6.73	7.93	-	-	-
Net Cash (Debt)	890.88	870.13	824.88	795.56	773.45	820.44
Net Cash Growth	5.09%	5.49%	3.69%	2.86%	-5.73%	10.63%
Net Cash Per Share	19.85	19.39	18.38	17.73	17.24	18.28

Cash Flow & CapEx

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
Operating Cash Flow	113.98	112.07	130.69	137.93	65.25	206.42
Capital Expenditures	-14.82	-10.38	-9.34	-29.71	-29.84	-59.51
Free Cash Flow	99.16	101.69	121.35	108.22	35.41	146.91
Free Cash Flow Growth	-12.34%	-16.20%	12.13%	205.63%	-75.90%	-38.25%

Margins

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
Operating Margin	23.22%	22.74%	20.81%	22.85%	24.80%	33.17%
Pretax Margin	23.08%	22.61%	20.97%	22.85%	24.94%	33.13%
Profit Margin	17.54%	16.68%	16.96%	17.54%	18.75%	24.45%
FCF Margin	17.65%	17.71%	21.33%	22.40%	7.96%	33.77%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 27, 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
Dividend Per Share	1.000	1.000	1.000	1.000	1.000	1.200
Dividend Per Share Growth	0%	0%	0%	0%	-16.67%	20.00%
Dividend Yield	2.27%	3.63%	3.47%	3.01%	4.14%	3.33%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 27, 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
PE Ratio	21.09	13.31	14.42	19.54	14.85	17.93
P/FCF Ratio	20.95	12.53	11.46	15.30	34.98	12.98
PS Ratio	3.70	2.22	2.44	3.43	2.78	4.38