Karnaphuli Insurance PLC (DSE:KARNAPHULI)

Karnaphuli Insurance Ratios and Metrics

Market cap in millions BDT. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Oct 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	1,355	1,391	1,656	1,239	1,907	1,517
Market Cap Growth	3.78%	-15.99%	33.70%	-35.06%	25.74%	52.25%
Enterprise Value	523	584	889	435	1,169	864
PE Ratio	14.08	14.39	19.54	14.85	17.93	21.11
PS Ratio	2.32	2.44	3.43	2.78	4.38	4.06
PB Ratio	1.27	1.36	1.71	1.33	2.11	1.80
P/FCF Ratio	18.53	11.46	15.30	34.98	12.98	6.38
P/OCF Ratio	16.30	10.65	12.01	18.98	9.24	5.84
EV/Sales Ratio	0.90	1.03	1.84	0.98	2.69	2.31
EV/EBITDA Ratio	3.92	4.60	7.53	3.67	7.72	8.58
EV/EBIT Ratio	4.29	4.93	8.05	3.94	8.10	8.99
EV/FCF Ratio	7.15	4.81	8.21	12.29	7.96	3.63
Debt / Equity Ratio	-	0.01	-	-	-	-
Debt / EBITDA Ratio	-	0.06	-	-	-	-
Debt / FCF Ratio	-	0.07	-	-	-	-
Quick Ratio	2.76	1.34	1.38	1.49	1.57	1.60
Current Ratio	2.76	2.10	2.10	2.24	2.30	2.49
Asset Turnover	0.30	0.30	0.28	0.27	0.28	0.26
Return on Equity (ROE)	9.21%	9.72%	8.92%	9.09%	12.15%	8.65%
Return on Assets (ROA)	3.92%	3.92%	3.93%	4.12%	5.71%	4.16%
Return on Capital (ROIC)	7.28%	7.41%	7.26%	7.51%	10.30%	7.18%
Earnings Yield	7.10%	6.95%	5.12%	6.73%	5.58%	4.74%
FCF Yield	5.40%	8.72%	6.54%	2.86%	7.70%	15.68%
Dividend Yield	3.31%	3.36%	2.92%	4.02%	3.23%	3.47%
Payout Ratio	46.64%	46.41%	52.95%	64.56%	42.19%	62.46%
Total Shareholder Return	3.22%	3.36%	2.92%	4.02%	3.23%	3.47%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.