Rupali Insurance Company Income Statement

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

Millions BDT. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Premiums & Annuity Revenue	462.34	483.94	440.01	348.27	325.89	375.91
Total Interest & Dividend Income	80.12	74.47	186.71	60.96	56.42	82.37
Gain (Loss) on Sale of Investments	-8.64	-8.64	-49.87	-0.98	-34	-7.15
Other Revenue	74.29	80.76	73.71	71.48	64.75	72.7
Total Revenue	608.12	630.53	650.56	479.72	413.06	523.82
Revenue Growth (YoY)	-10.51%	-3.08%	35.61%	16.14%	-21.14%	8.19%
Policy Benefits	165.39	146.03	200.46	129.35	71.77	66.39
Policy Acquisition & Underwriting Costs	97.43	97.43	85.53	64.88	56.36	23.03
Depreciation & Amortization	33.44	33.44	30.23	33.01	33.58	36.34
Selling, General & Administrative	196.04	228.38	198.41	184.04	163.72	188.61
Provision for Bad Debts	-	-	5	-	-	-
Reinsurance Income or Expense	-	-	-	-0.04	-0.06	-0.1
Total Operating Expenses	492.31	505.29	519.64	411.32	325.5	314.48
Operating Income	115.81	125.25	130.92	68.4	87.56	209.34
Other Non Operating Income (Expenses)	-5.06	-5.06	-3.22	-3.9	-3.79	-3.61
EBT Excluding Unusual Items	110.75	120.18	127.7	64.49	83.77	205.73
Gain (Loss) on Sale of Assets	-	-	-	1.52	2.28	0.29
Pretax Income	112.91	120.18	127.7	66.01	86.05	206.02
Income Tax Expense	38.45	42.29	51.84	13.52	11.49	48.46
Net Income	74.45	77.9	75.86	52.49	74.57	157.56
Preferred Dividends & Other Adjustments	-	-	-	16.69	-	-
Net Income to Common	74.45	77.9	75.86	35.8	74.57	157.56
Net Income Growth	24.72%	2.68%	111.92%	-51.99%	-52.68%	8.17%
Shares Outstanding (Basic)	81	80	80	80	80	80
Shares Outstanding (Diluted)	81	80	80	80	80	80
Shares Change (YoY)	18.67%	-	-	-	-	-
EPS (Basic)	0.92	0.97	0.94	0.44	0.93	1.96
EPS (Diluted)	0.92	0.97	0.94	0.44	0.93	1.96
EPS Growth	5.10%	2.68%	111.92%	-51.99%	-52.68%	8.17%
Free Cash Flow	62.45	73.6	0.77	31.25	123.87	125.01
Free Cash Flow Per Share	0.78	0.91	0.01	0.39	1.54	1.55
Dividend Per Share	0.476	0.476	0.952	0.952	0.952	0.952
Dividend Growth	-50.00%	-50.00%	0%	0%	0%	0%
Operating Margin	19.04%	19.86%	20.13%	14.26%	21.20%	39.97%
Profit Margin	12.24%	12.35%	11.66%	7.46%	18.05%	30.08%
Free Cash Flow Margin	10.27%	11.67%	0.12%	6.51%	29.99%	23.86%
EBITDA	124.64	132.32	149.11	89.72	110.14	232.18
EBITDA Margin	20.50%	20.98%	22.92%	18.70%	26.66%	44.32%
D&A For EBITDA	8.83	7.07	18.18	21.33	22.59	22.84
EBIT	115.81	125.25	130.92	68.4	87.56	209.34
EBIT Margin	19.04%	19.86%	20.13%	14.26%	21.20%	39.97%
Effective Tax Rate	34.06%	35.19%	40.59%	20.48%	13.35%	23.52%