National Life Insurance PLC (DSE:NATLIFEINS)

Bangladesh · Delayed Price · Currency is BDT

91.10

+0.50 (0.55%)

At close: Nov 4, 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	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	31,083	29,114	25,708	22,429	19,671	17,741
Revenue Growth	18.52%	13.25%	14.62%	14.02%	10.88%	14.77%
Operating Income	10,573	11,333	7,782	6,080	4,738	4,829
Net Income	9,838	10,602	7,393	5,422	4,585	4,227
Earnings Per Share	90.66	97.69	68.12	49.96	42.25	38.95
EPS Growth	44.83%	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	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	19,055	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)	19,055	21,147	22,172	22,712	21,455	22,081
Net Cash Growth	-1.80%	-4.62%	-2.38%	5.86%	-2.83%	9.71%
Net Cash Per Share	175.59	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	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	9,795	9,748	6,718	5,047	2,615	4,059
Capital Expenditures	-267.95	-466.45	-368.79	-285.91	-166.66	-113.66
Free Cash Flow	9,527	9,281	6,350	4,761	2,448	3,945
Free Cash Flow Growth	77.54%	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	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	34.02%	38.93%	30.27%	27.11%	24.09%	27.22%
Pretax Margin	33.67%	38.54%	29.84%	26.57%	25.13%	26.57%
Profit Margin	31.65%	36.41%	28.76%	24.17%	23.31%	23.83%
FCF Margin	30.65%	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	Nov '26 Nov 4, 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	4.06%	3.96%	3.30%	2.12%	2.12%	1.59%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 4, 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	1.00	0.96	1.56	3.58	4.24	5.66
P/FCF Ratio	1.04	1.09	1.82	4.08	7.93	6.07
PS Ratio	0.32	0.35	0.45	0.87	0.99	1.35