Provati Insurance Company Limited (DSE:PROVATIINS)

Provati Insurance Company Statistics

Total Valuation

DSE:PROVATIINS has a market cap or net worth of BDT 1.30 billion. The enterprise value is 1.17 billion.

Market Cap	1.30B
Enterprise Value	1.17B

Important Dates

The next estimated earnings date is Tuesday, October 28, 2025.

Earnings Date	Oct 28, 2025
Ex-Dividend Date	May 29, 2025

Share Statistics

DSE:PROVATIINS has 40.31 million shares outstanding. The number of shares has increased by 0.24% in one year.

Current Share Class	40.31M
Shares Outstanding	40.31M
Shares Change (YoY)	+0.24%
Shares Change (QoQ)	-2.35%
Owned by Insiders (%)	30.08%
Owned by Institutions (%)	17.68%
Float	28.19M

Valuation Ratios

The trailing PE ratio is 17.41.

PE Ratio	17.41
Forward PE	n/a
PS Ratio	1.43
PB Ratio	1.43
P/TBV Ratio	1.43
P/FCF Ratio	92.66
P/OCF Ratio	63.50
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 10.35, with an EV/FCF ratio of 83.59.

EV / Earnings	15.71
EV / Sales	1.29
EV / EBITDA	10.35
EV / EBIT	12.85
EV / FCF	83.59

Financial Position

The company has a current ratio of 1.70, with a Debt / Equity ratio of 0.04.

Current Ratio	1.70
Quick Ratio	1.06
Debt / Equity	0.04
Debt / EBITDA	0.29
Debt / FCF	2.37
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 8.33% and return on invested capital (ROIC) is 5.85%.

Return on Equity (ROE)	8.33%
Return on Assets (ROA)	3.28%
Return on Invested Capital (ROIC)	5.85%
Return on Capital Employed (ROCE)	10.05%
Revenue Per Employee	876,192
Profits Per Employee	71,949
Employee Count	1,036
Asset Turnover	0.52
Inventory Turnover	n/a

Taxes

In the past 12 months, DSE:PROVATIINS has paid 17.81 million in taxes.

Income Tax	17.81M
Effective Tax Rate	19.28%

Stock Price Statistics

The stock price has increased by +24.62% in the last 52 weeks. The beta is 0.56, so DSE:PROVATIINS's price volatility has been lower than the market average.

Beta (5Y)	0.56
52-Week Price Change	+24.62%
50-Day Moving Average	33.52
200-Day Moving Average	32.79
Relative Strength Index (RSI)	49.66
Average Volume (20 Days)	252,409

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, DSE:PROVATIINS had revenue of BDT 907.73 million and earned 74.54 million in profits. Earnings per share was 1.85.

Revenue	907.73M
Gross Profit	452.09M
Operating Income	91.14M
Pretax Income	92.35M
Net Income	74.54M
EBITDA	113.11M
EBIT	91.14M
Earnings Per Share (EPS)	1.85

Balance Sheet

The company has 820.69 million in cash and 33.20 million in debt, giving a net cash position of 127.05 million or 3.15 per share.

Cash & Cash Equivalents	820.69M
Total Debt	33.20M
Net Cash	127.05M
Net Cash Per Share	3.15
Equity (Book Value)	906.68M
Book Value Per Share	22.49
Working Capital	582.95M

Cash Flow

In the last 12 months, operating cash flow was 20.44 million and capital expenditures -6.43 million, giving a free cash flow of 14.01 million.

Operating Cash Flow	20.44M
Capital Expenditures	-6.43M
Free Cash Flow	14.01M
FCF Per Share	0.35

Margins

Gross margin is 49.80%, with operating and profit margins of 10.04% and 8.21%.

Gross Margin	49.80%
Operating Margin	10.04%
Pretax Margin	10.17%
Profit Margin	8.21%
EBITDA Margin	12.46%
EBIT Margin	10.04%
FCF Margin	1.54%

Dividends & Yields

This stock pays an annual dividend of 1.00, which amounts to a dividend yield of 3.04%.

Dividend Per Share	1.00
Dividend Yield	3.04%
Dividend Growth (YoY)	-20.00%
Years of Dividend Growth	4
Payout Ratio	67.60%
Buyback Yield	-0.24%
Shareholder Yield	2.85%
Earnings Yield	5.74%
FCF Yield	1.08%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on May 31, 2022. It was a forward split with a ratio of 1.16.

Last Split Date	May 31, 2022
Split Type	Forward
Split Ratio	1.16

Scores

Altman Z-Score	n/a
Piotroski F-Score	4