Republic Insurance Cash Flow Statement

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

Millions BDT. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	101.94	59.33	183.42	138.21	75.85
Depreciation & Amortization	18.62	20.15	20.46	17.61	16.66
Other Amortization	-	0.36	0.38	0.27	0.29
Gain (Loss) on Sale of Assets	-0.59	-0.87	-0.3	-0.41	-
Gain (Loss) on Sale of Investments	0.66	2.73	-0.12	0.1	-3.73
Change in Unearned Revenue	32.95	4.91	-23.53	36.83	3.79
Change in Insurance Reserves / Liabilities	32.93	98.92	-12.48	-50.07	52.82
Change in Other Net Operating Assets	-202.72	-161.42	-24.88	-32.98	-105.27
Other Operating Activities	1.78	34.37	-83.28	-21.3	48.12
Operating Cash Flow	-14.41	58.47	59.66	88.28	88.52
Operating Cash Flow Growth	-	-1.99%	-32.42%	-0.27%	-35.39%
Capital Expenditures	-3.03	-5.24	-8.87	-16.13	-5.39
Sale of Property, Plant & Equipment	2.51	2.5	0.98	-	-
Purchase / Sale of Intangible Assets	-0.16	-	-0.02	-	-
Investment in Securities	95.63	-39.37	4.87	-32.88	-77.44
Other Investing Activities	1.07	-	-	-	0.3
Investing Cash Flow	90.02	-42.11	-3.03	-49	-82.53
Issuance of Common Stock	-	-	-	-	0.14
Common Dividends Paid	-28.6	-57.2	-54.16	-49.21	-32.03
Financing Cash Flow	-28.6	-57.2	-54.16	-49.21	-31.9
Foreign Exchange Rate Adjustments	-	-	0.01	0.08	0
Net Cash Flow	47.01	-40.84	2.48	-9.85	-25.9
Free Cash Flow	-17.44	53.23	50.79	72.15	83.13
Free Cash Flow Growth	-	4.80%	-29.61%	-13.21%	-35.62%
Free Cash Flow Margin	-2.78%	8.32%	6.89%	12.08%	15.99%
Free Cash Flow Per Share	-0.32	0.97	0.93	1.32	1.52
Cash Income Tax Paid	-	34.44	51.46	45.03	41.63
Levered Free Cash Flow	39.28	19.5	41.56	59.6	34.47
Unlevered Free Cash Flow	39.28	19.5	41.56	59.6	34.47
Change in Working Capital	-136.84	-57.6	-60.89	-46.21	-48.66