Pragati Life Insurance PLC (DSE:PRAGATILIF)

Pragati Life Insurance Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	6,261	5,739	5,358	4,786	3,847	3,162
Total Interest & Dividend Income	511.85	449.4	379.85	369.32	427.06	434.95
Gain (Loss) on Sale of Investments	41.6	41.6	-0.64	4.22	-	-
Other Revenue	1.08	1.17	0.52	1.2	0.44	23.35
Total Revenue	6,815	6,231	5,738	5,161	4,275	3,620
Revenue Growth (YoY)	10.95%	8.59%	11.18%	20.73%	18.09%	7.48%
Policy Benefits	3,487	3,889	3,663	3,158	2,536	2,080
Policy Acquisition & Underwriting Costs	1,409	1,273	1,217	1,184	1,024	748.36
Depreciation & Amortization	24.54	20.19	19.28	16.72	14.96	13.99
Selling, General & Administrative	324.13	297.47	280.15	235.76	203.76	194.36
Total Operating Expenses	5,591	5,828	5,486	4,885	4,025	3,291
Operating Income	1,224	403.08	251.28	275.61	249.77	329.02
Other Non Operating Income (Expenses)	-15.92	-20.06	-18.66	-20.42	-18.16	-13.78
EBT Excluding Unusual Items	1,208	383.02	232.62	255.19	231.61	315.24
Gain (Loss) on Sale of Assets	0.79	1.4	3.56	1.86	8.28	4.67
Pretax Income	1,209	384.42	236.17	257.05	239.88	319.91
Income Tax Expense	96.21	58.93	46.98	64.18	47.07	27.87
Net Income	1,113	325.49	189.2	192.87	192.82	292.04
Net Income to Common	1,113	325.49	189.2	192.87	192.82	292.04
Net Income Growth	432.54%	72.04%	-1.91%	0.03%	-33.98%	67.73%
Shares Outstanding (Basic)	33	33	33	33	33	33
Shares Outstanding (Diluted)	33	33	33	33	33	33
Shares Change (YoY)	-	-	-	-	-	100.00%
EPS (Basic)	34.20	10.00	5.81	5.93	5.92	8.97
EPS (Diluted)	34.20	10.00	5.81	5.93	5.92	8.97
EPS Growth	432.54%	72.04%	-1.91%	0.03%	-33.98%	-16.14%
Free Cash Flow	607.27	-137.2	-182.03	-222.25	-258.36	-879.39
Free Cash Flow Per Share	18.66	-4.22	-5.59	-6.83	-7.94	-27.02
Dividend Per Share	1.500	1.500	1.400	1.200	1.038	1.132
Dividend Growth	7.14%	7.14%	16.67%	15.64%	-8.34%	-40.00%
Operating Margin	17.96%	6.47%	4.38%	5.34%	5.84%	9.09%
Profit Margin	16.33%	5.22%	3.30%	3.74%	4.51%	8.07%
Free Cash Flow Margin	8.91%	-2.20%	-3.17%	-4.31%	-6.04%	-24.29%
EBITDA	1,248	422.45	269.81	291.49	263.47	341.28
EBITDA Margin	18.31%	6.78%	4.70%	5.65%	6.16%	9.43%
D&A For EBITDA	23.71	19.37	18.53	15.87	13.7	12.26
EBIT	1,224	403.08	251.28	275.61	249.77	329.02
EBIT Margin	17.96%	6.47%	4.38%	5.34%	5.84%	9.09%
Effective Tax Rate	7.96%	15.33%	19.89%	24.97%	19.62%	8.71%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.