Reliance Insurance Limited (DSE:RELIANCINS)

Reliance Insurance Cash Flow 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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	1,039	958.84	690.18	615.93	587.81	548.18
Depreciation & Amortization	71.74	28	38.83	39.25	39.79	41.55
Other Amortization	-	-	-	-	-	0.01
Gain (Loss) on Sale of Assets	-1.61	-0.67	-0.72	-4.08	-0.1	-1.99
Gain (Loss) on Sale of Investments	-	-	-0.23	-5.65	-16.04	-1.91
Change in Unearned Revenue	261.95	142.61	205.73	273.81	240.87	193.67
Change in Insurance Reserves / Liabilities	-16.3	-65.41	173.61	-97.37	15.12	126.26
Change in Other Net Operating Assets	167.54	-359.87	-247.73	131.62	229.35	173.16
Other Operating Activities	-670.48	-531.24	-347.94	-258.93	-260.04	-396
Operating Cash Flow	850.55	174.32	509.4	694.31	837.39	683.29
Operating Cash Flow Growth	-7.83%	-65.78%	-26.63%	-17.09%	22.55%	39.41%
Capital Expenditures	-90.1	-106.76	-61.55	-155.35	-191.58	-110.89
Sale of Property, Plant & Equipment	2.31	1.35	1.4	1.71	1.31	1.99
Investment in Securities	-1,626	-812.29	-306.59	-114.98	-261.6	-327.79
Other Investing Activities	689.56	496.24	312.76	287.54	249.35	294.4
Investing Cash Flow	-1,024	-421.46	-53.99	18.92	-202.52	-142.3
Common Dividends Paid	-315.66	-262.68	-262.45	-264.01	-267.99	-268.95
Financing Cash Flow	-315.66	-262.68	-262.45	-264.01	-267.99	-268.95
Miscellaneous Cash Flow Adjustments	-0	-0	-0	-	0	-
Net Cash Flow	-489.48	-509.83	192.96	449.22	366.88	272.05
Free Cash Flow	760.45	67.56	447.84	538.96	645.8	572.4
Free Cash Flow Growth	-10.65%	-84.91%	-16.91%	-16.55%	12.82%	302.70%
Free Cash Flow Margin	28.44%	2.72%	21.49%	28.22%	37.09%	33.76%
Free Cash Flow Per Share	7.23	0.64	4.26	5.13	6.14	5.44
Cash Income Tax Paid	430.29	329.14	253.5	215.72	209.68	247.47
Levered Free Cash Flow	1,393	436.42	772.53	631.99	772.59	860.38
Unlevered Free Cash Flow	1,393	436.42	772.53	631.99	772.59	860.38
Change in Working Capital	412.28	-280.61	129.28	307.79	485.97	493.46

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.