Mercantile Islami Insurance PLC (DSE:MERCINS)

Bangladesh · Delayed Price · Currency is BDT

45.90

+1.00 (2.23%)

At close: Aug 13, 2026

DSE:MERCINS 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	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
Revenue	355.9	376.07	511.32	449.64	448.98	422.28
Revenue Growth	-28.15%	-26.45%	13.72%	0.15%	6.32%	19.48%
Operating Income	71.42	86.27	97.11	49.83	110.52	120.68
Net Income	67.15	70.93	83.63	49.76	84.08	89.49
Earnings Per Share	1.56	1.65	1.94	1.15	1.95	2.08
EPS Growth	-19.02%	-15.19%	68.08%	-40.82%	-6.05%	23.36%

Cash & Debt

Fiscal Year	Current	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
Cash & Investments	1,101	1,113	1,209	1,196	1,153	1,193
Total Debt	10.63	12.94	6.4	9.64	11.59	-
Net Cash (Debt)	1,090	1,101	1,203	1,186	1,141	1,193
Net Cash Growth	-11.24%	-8.50%	1.40%	3.91%	-4.33%	5.75%
Net Cash Per Share	25.29	25.54	27.91	27.52	26.49	27.69

Cash Flow & CapEx

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
Operating Cash Flow	2.91	3.55	79.05	37.92	38.65	48.94
Capital Expenditures	-4.81	-3.65	-1.82	-1.8	-18.65	-7.61
Free Cash Flow	-1.9	-0.1	77.23	36.12	20	41.33
Free Cash Flow Growth	-	-	113.80%	80.61%	-51.61%	-9.89%

Margins

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
Operating Margin	20.07%	22.94%	18.99%	11.08%	24.62%	28.58%
Pretax Margin	19.74%	22.63%	18.63%	10.62%	24.20%	28.12%
Profit Margin	18.87%	18.86%	16.36%	11.07%	18.73%	21.19%
FCF Margin	-0.53%	-0.03%	15.10%	8.03%	4.45%	9.79%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 16, 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	1.000
Dividend Per Share Growth	0%	0%	0%	0%	0%	0%
Dividend Yield	2.18%	4.37%	4.32%	3.39%	3.76%	2.36%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 16, 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	29.46	14.40	12.88	28.50	15.69	24.03
P/FCF Ratio	-	-	13.95	39.25	65.94	52.03
PS Ratio	5.56	2.72	2.11	3.15	2.94	5.09