Phoenix Insurance PLC. Cash Flow Statement

Financials in millions BDT. Fiscal year is January - December.

Millions BDT. Fiscal year is Jan - Dec.

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
Net Income	92.42	81.57	60.88	64.19	81.49	88.79
Depreciation & Amortization	22.56	24.16	37.36	11.53	13.57	11.94
Gain (Loss) on Sale of Assets	-	-	-	-	1.86	3.71
Change in Accounts Receivable	-2.01	1	-2.78	6.33	-23.88	10.36
Change in Deferred Taxes	-8.73	-5.13	0.86	15.16	-	-
Change in Insurance Reserves / Liabilities	5.24	22.33	-14.26	0.78	-2.49	-25.48
Change in Other Net Operating Assets	-26.27	-83.13	-37.24	-48.36	-12.48	72.21
Other Operating Activities	-47.13	-17.84	-35.73	-19.34	-2.9	1
Operating Cash Flow	35.56	22.48	8.91	30.19	55.38	162.53
Operating Cash Flow Growth	-	152.35%	-70.49%	-45.48%	-65.92%	94.98%
Capital Expenditures	-9.38	-7.45	-20.26	-2.93	-15.9	-13.96
Sale of Property, Plant & Equipment	0.67	0.67	-	-	2.09	5.43
Investment in Securities	-143.28	-143.28	-	-0.13	-0.55	-31.22
Other Investing Activities	90.58	90.58	-	-	-	-
Investing Cash Flow	-61.4	-59.47	-20.26	-3.07	-14.36	-39.75
Common Dividends Paid	-40.34	-40.34	-47.28	-58.84	-57.58	-59.45
Financing Cash Flow	9.66	-40.34	-47.28	-58.84	-57.58	-59.45
Net Cash Flow	-16.18	-77.33	-58.63	-31.71	-16.55	63.33
Free Cash Flow	26.18	15.03	-11.35	27.26	39.49	148.57
Free Cash Flow Growth	-	-	-	-30.97%	-73.42%	102.61%
Free Cash Flow Margin	4.49%	2.63%	-2.17%	7.11%	8.51%	30.71%
Free Cash Flow Per Share	0.65	0.37	-0.28	0.68	0.98	3.68
Cash Income Tax Paid	23.59	18.09	18.28	35.83	26.36	27.24
Levered Free Cash Flow	-67.41	13.78	-69.36	44.99	32.36	147.38
Unlevered Free Cash Flow	-67.41	13.78	-69.36	44.99	32.36	147.38
Change in Working Capital	-32.29	-65.39	-53.6	-26.18	-38.65	57.09