Karnaphuli Insurance PLC (DSE:KARNAPHULI)

Bangladesh · Delayed Price · Currency is BDT

52.70

+0.30 (0.57%)

At close: Nov 4, 2026

Karnaphuli Insurance Ratios and Metrics

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

Millions BDT. Fiscal year is Jan - Dec.

Total Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 3, 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
Market Capitalization	2,365	1,274	1,391	1,656	1,239	1,907
Market Cap Growth	69.45%	-8.39%	-15.99%	33.70%	-35.06%	25.74%
Enterprise Value	1,472	464	584	889	435	1,169

Price Ratios

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 3, 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	20.15	13.31	14.42	19.54	14.85	17.93
PS Ratio	3.72	2.22	2.44	3.43	2.78	4.38
PB Ratio	2.09	1.19	1.34	1.71	1.33	2.11
P/FCF Ratio	16.24	12.53	11.46	15.30	34.98	12.98
P/OCF Ratio	14.96	11.37	10.65	12.01	18.98	9.24

EV Ratios

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 3, 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
EV/Sales Ratio	2.31	0.81	1.03	1.84	0.98	2.69
EV/EBITDA Ratio	8.59	3.33	4.59	7.53	3.67	7.72
EV/EBIT Ratio	9.37	3.55	4.93	8.05	3.94	8.10
EV/FCF Ratio	10.11	4.56	4.81	8.21	12.29	7.96

Financial Efficiency

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 3, 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
Debt / Equity Ratio	-	0.01	0.01	-	-	-
Debt / EBITDA Ratio	-	0.05	0.06	-	-	-
Debt / FCF Ratio	-	0.07	0.07	-	-	-
Net Debt / Equity Ratio	-0.77	-0.81	-0.79	-0.82	-0.83	-0.91
Net Debt / EBITDA Ratio	-5.63	-6.23	-6.49	-6.74	-6.52	-5.41
Net Debt / FCF Ratio	-6.95	-8.56	-6.80	-7.35	-21.84	-5.58
Quick Ratio	2.74	1.25	1.34	1.38	1.49	1.57
Current Ratio	2.74	2.04	2.10	2.10	2.24	2.30
Asset Turnover	0.28	0.28	0.30	0.28	0.27	0.28
Return on Equity (ROE)	9.90%	9.10%	9.62%	8.92%	9.09%	12.15%
Return on Assets (ROA)	4.44%	4.01%	3.91%	3.93%	4.12%	5.71%
Return on Invested Capital (ROIC)	9.78%	9.09%	9.50%	8.92%	9.04%	12.17%

Yields

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 3, 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
Earnings Yield	4.96%	7.51%	6.93%	5.12%	6.73%	5.58%
FCF Yield	6.16%	7.98%	8.72%	6.54%	2.86%	7.70%
Dividend Yield	1.90%	3.52%	3.23%	2.71%	3.62%	2.82%
Payout Ratio	38.31%	46.87%	46.51%	52.95%	64.56%	42.19%
Total Shareholder Return	1.90%	3.52%	3.23%	2.71%	3.62%	2.82%