Reliance Insurance PLC. (DSE:RELIANCINS)

Reliance Insurance PLC. Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	885.25	958.84	690.18	615.93	587.81
Depreciation & Amortization	117.61	28	38.83	39.25	39.79
Other Amortization	0.38	-	-	-	-
Gain (Loss) on Sale of Assets	-1.18	-0.67	-0.72	-4.08	-0.1
Gain (Loss) on Sale of Investments	-	-	-0.23	-5.65	-16.04
Change in Unearned Revenue	109.99	142.61	205.73	273.81	240.87
Change in Insurance Reserves / Liabilities	155.58	-65.41	173.61	-97.37	15.12
Change in Other Net Operating Assets	126.59	-359.87	-247.73	131.62	229.35
Other Operating Activities	-672.99	-531.24	-347.94	-258.93	-260.04
Operating Cash Flow	719.53	174.32	509.4	694.31	837.39
Operating Cash Flow Growth	312.76%	-65.78%	-26.63%	-17.09%	22.55%
Capital Expenditures	-102.33	-106.76	-61.55	-155.35	-191.58
Sale of Property, Plant & Equipment	1.37	1.35	1.4	1.71	1.31
Investment in Securities	-1,035	-812.29	-306.59	-114.98	-261.6
Other Investing Activities	713.74	496.24	312.76	287.54	249.35
Investing Cash Flow	-422.32	-421.46	-53.99	18.92	-202.52
Common Dividends Paid	-315.67	-262.68	-262.45	-264.01	-267.99
Financing Cash Flow	-315.67	-262.68	-262.45	-264.01	-267.99
Miscellaneous Cash Flow Adjustments	-0	-	-0	-	0
Net Cash Flow	-18.45	-509.83	192.96	449.22	366.88
Free Cash Flow	617.2	67.56	447.84	538.96	645.8
Free Cash Flow Growth	813.55%	-84.91%	-16.91%	-16.55%	12.82%
Free Cash Flow Margin	21.80%	2.72%	21.49%	28.22%	37.09%
Free Cash Flow Per Share	5.87	0.64	4.26	5.13	6.14
Cash Income Tax Paid	355.88	329.14	253.5	215.72	209.68
Levered Free Cash Flow	1,105	436.42	772.53	631.99	772.59
Unlevered Free Cash Flow	1,105	436.42	772.53	631.99	772.59
Change in Working Capital	390.46	-280.61	129.28	307.79	485.97

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