Karnaphuli Insurance PLC (DSE:KARNAPHULI)
Bangladesh · Delayed Price · Currency is BDT 57.30
+1.90 (3.43%)
At close: Aug 13, 2026
Karnaphuli Insurance Income 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 |
Premiums & Annuity Revenue | 431.82 | 431.73 | 463.98 | 374.56 | 353.07 | 340.39 |
Total Interest & Dividend Income | 86.15 | 78.37 | 62.22 | 53.79 | 49.41 | 45.54 |
Gain (Loss) on Sale of Investments | -1.49 | -1.3 | 0.11 | 0.6 | 5.26 | 13.39 |
Other Revenue | 70.5 | 65.45 | 42.59 | 54.14 | 37.18 | 35.71 |
| 586.97 | 574.25 | 568.91 | 483.08 | 444.91 | 435.04 | |
Revenue Growth | 0.68% | 0.94% | 17.77% | 8.58% | 2.27% | 16.41% |
Policy Benefits | 170.03 | 125.2 | 162.54 | 100.8 | 61.98 | 93.68 |
Policy Acquisition & Underwriting Costs | 99.39 | 99.39 | 83.85 | 78.77 | 72.11 | 27.07 |
Depreciation & Amortization | 14.1 | 14.1 | 11.65 | 7.74 | 8.32 | 7.2 |
Selling, General & Administrative | 154.23 | 204.96 | 192.46 | 185.41 | 192.17 | 162.79 |
Total Operating Expenses | 437.74 | 443.64 | 450.5 | 372.71 | 334.59 | 290.73 |
Operating Income | 149.23 | 130.61 | 118.41 | 110.37 | 110.33 | 144.31 |
Interest Expense | -0.78 | -0.78 | -0.6 | - | -0.17 | -0.18 |
EBT Excluding Unusual Items | 148.45 | 129.83 | 117.81 | 110.37 | 110.16 | 144.13 |
Gain (Loss) on Sale of Assets | - | - | 1.51 | - | 0.82 | - |
Pretax Income | 148.45 | 129.83 | 119.32 | 110.37 | 110.98 | 144.13 |
Income Tax Expense | 37.81 | 34.07 | 22.84 | 25.63 | 27.56 | 37.77 |
Net Income | 110.65 | 95.76 | 96.48 | 84.74 | 83.42 | 106.36 |
Net Income to Common | 110.65 | 95.76 | 96.48 | 84.74 | 83.42 | 106.36 |
Net Income Growth | 15.24% | -0.75% | 13.85% | 1.59% | -21.57% | 48.03% |
Shares Outstanding (Basic) | 45 | 45 | 45 | 45 | 45 | 45 |
Shares Outstanding (Diluted) | 45 | 45 | 45 | 45 | 45 | 45 |
Shares Change | - | - | - | - | - | - |
EPS (Basic) | 2.47 | 2.13 | 2.15 | 1.89 | 1.86 | 2.37 |
EPS (Diluted) | 2.47 | 2.13 | 2.15 | 1.89 | 1.86 | 2.37 |
EPS Growth | 15.24% | -0.75% | 13.85% | 1.59% | -21.57% | 48.03% |
Additional Metrics
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 |
Free Cash Flow | 128.43 | 101.69 | 121.35 | 108.22 | 35.41 | 146.91 |
Free Cash Flow Per Share | 2.86 | 2.27 | 2.70 | 2.41 | 0.79 | 3.27 |
Dividend Per Share | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | 1.200 |
Dividend Growth | 0% | 0% | 0% | 0% | -16.67% | 20.00% |
Operating Margin | 25.42% | 22.74% | 20.81% | 22.85% | 24.80% | 33.17% |
Profit Margin | 18.85% | 16.68% | 16.96% | 17.54% | 18.75% | 24.45% |
Free Cash Flow Margin | 21.88% | 17.71% | 21.33% | 22.40% | 7.96% | 33.77% |
EBITDA | 158.56 | 139.59 | 127.07 | 118.11 | 118.65 | 151.51 |
EBITDA Margin | 27.01% | 24.31% | 22.34% | 24.45% | 26.67% | 34.83% |
D&A For EBITDA | 9.33 | 8.99 | 8.66 | 7.74 | 8.32 | 7.2 |
EBIT | 149.23 | 130.61 | 118.41 | 110.37 | 110.33 | 144.31 |
EBIT Margin | 25.42% | 22.74% | 20.81% | 22.85% | 24.80% | 33.17% |
Effective Tax Rate | 25.47% | 26.25% | 19.14% | 23.22% | 24.83% | 26.21% |