Reliance Insurance Limited (DSE:RELIANCINS)

CALT Statistics

Total Valuation

DSE:RELIANCINS has a market cap or net worth of BDT 6.30 billion. The enterprise value is 1.96 billion.

Market Cap	6.30B
Enterprise Value	1.96B

Important Dates

The last earnings date was Wednesday, July 30, 2025.

Earnings Date	Jul 30, 2025
Ex-Dividend Date	Mar 4, 2025

Share Statistics

DSE:RELIANCINS has 105.16 million shares outstanding.

Current Share Class	105.16M
Shares Outstanding	105.16M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	6.10%
Owned by Institutions (%)	6.53%
Float	42.16M

Valuation Ratios

The trailing PE ratio is 6.06.

PE Ratio	6.06
Forward PE	n/a
PS Ratio	2.36
PB Ratio	0.84
P/TBV Ratio	0.84
P/FCF Ratio	8.28
P/OCF Ratio	7.41
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 1.24, with an EV/FCF ratio of 2.57.

EV / Earnings	1.88
EV / Sales	0.73
EV / EBITDA	1.24
EV / EBIT	1.30
EV / FCF	2.57

Financial Position

The company has a current ratio of 0.99

Current Ratio	0.99
Quick Ratio	0.54
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 14.57% and return on invested capital (ROIC) is 13.18%.

Return on Equity (ROE)	14.57%
Return on Assets (ROA)	6.54%
Return on Invested Capital (ROIC)	13.18%
Return on Capital Employed (ROCE)	20.14%
Revenue Per Employee	9.62M
Profits Per Employee	3.74M
Employee Count	278
Asset Turnover	0.19
Inventory Turnover	n/a

Taxes

In the past 12 months, DSE:RELIANCINS has paid 458.88 million in taxes.

Income Tax	458.88M
Effective Tax Rate	30.64%

Stock Price Statistics

The stock price has decreased by -11.58% in the last 52 weeks. The beta is 0.38, so DSE:RELIANCINS's price volatility has been lower than the market average.

Beta (5Y)	0.38
52-Week Price Change	-11.58%
50-Day Moving Average	52.73
200-Day Moving Average	54.98
Relative Strength Index (RSI)	62.65
Average Volume (20 Days)	87,400

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:RELIANCINS had revenue of BDT 2.67 billion and earned 1.04 billion in profits. Earnings per share was 9.88.

Revenue	2.67B
Gross Profit	2.01B
Operating Income	1.50B
Pretax Income	1.50B
Net Income	1.04B
EBITDA	1.58B
EBIT	1.50B
Earnings Per Share (EPS)	9.88

Balance Sheet

The company has 4.34 billion in cash and n/a in debt, giving a net cash position of 4.34 billion or 41.30 per share.

Cash & Cash Equivalents	4.34B
Total Debt	n/a
Net Cash	4.34B
Net Cash Per Share	41.30
Equity (Book Value)	7.47B
Book Value Per Share	71.08
Working Capital	-118.58M

Cash Flow

In the last 12 months, operating cash flow was 850.55 million and capital expenditures -90.10 million, giving a free cash flow of 760.45 million.

Operating Cash Flow	850.55M
Capital Expenditures	-90.10M
Free Cash Flow	760.45M
FCF Per Share	7.23

Margins

Gross margin is 75.04%, with operating and profit margins of 56.23% and 38.84%.

Gross Margin	75.04%
Operating Margin	56.23%
Pretax Margin	56.00%
Profit Margin	38.84%
EBITDA Margin	58.91%
EBIT Margin	56.23%
FCF Margin	28.44%

Dividends & Yields

This stock pays an annual dividend of 3.00, which amounts to a dividend yield of 5.01%.

Dividend Per Share	3.00
Dividend Yield	5.01%
Dividend Growth (YoY)	20.00%
Years of Dividend Growth	n/a
Payout Ratio	30.39%
Buyback Yield	n/a
Shareholder Yield	4.91%
Earnings Yield	16.49%
FCF Yield	12.07%

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 March 14, 2019. It was a forward split with a ratio of 1.1.

Last Split Date	Mar 14, 2019
Split Type	Forward
Split Ratio	1.1

Scores

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