National Life Insurance PLC (DSE:NATLIFEINS)

Bangladesh · Delayed Price · Currency is BDT

102.00

-1.50 (-1.45%)

At close: Jul 23, 2026

National Life 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	29,550	29,114	25,708	22,429	19,671	17,741
Revenue Growth	13.10%	13.25%	14.62%	14.02%	10.88%	14.77%
Operating Income	9,796	11,333	7,782	6,080	4,738	4,829
Net Income	9,065	10,602	7,393	5,422	4,585	4,227
Earnings Per Share	83.53	97.69	68.12	49.96	42.25	38.95
EPS Growth	30.93%	43.41%	36.35%	18.26%	8.46%	22.68%

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	19,409	21,393	22,362	22,865	21,570	22,202
Total Debt	-	245.69	190.25	152.51	115.28	121.72
Net Cash (Debt)	19,409	21,147	22,172	22,712	21,455	22,081
Net Cash Growth	-16.88%	-4.62%	-2.38%	5.86%	-2.83%	9.71%
Net Cash Per Share	178.85	194.86	204.31	209.29	197.70	203.47

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	8,576	9,748	6,718	5,047	2,615	4,059
Capital Expenditures	-442.49	-466.45	-368.79	-285.91	-166.66	-113.66
Free Cash Flow	8,134	9,281	6,350	4,761	2,448	3,945
Free Cash Flow Growth	48.82%	46.18%	33.36%	94.47%	-37.94%	-9.64%

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	33.15%	38.93%	30.27%	27.11%	24.09%	27.22%
Pretax Margin	32.77%	38.54%	29.84%	26.57%	25.13%	26.57%
Profit Margin	30.68%	36.41%	28.76%	24.17%	23.31%	23.83%
FCF Margin	27.53%	31.88%	24.70%	21.23%	12.45%	22.24%

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	3.700	3.700	3.500	3.800	3.800	3.500
Dividend Per Share Growth	5.71%	5.71%	-7.90%	0%	8.57%	9.38%
Dividend Yield	3.63%	4.11%	3.54%	2.38%	2.43%	1.85%

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	1.22	0.96	1.56	3.58	4.24	5.66
P/FCF Ratio	1.36	1.09	1.82	4.08	7.93	6.07
PS Ratio	0.37	0.35	0.45	0.87	0.99	1.35