Sandhani Life Insurance Company Limited (DSE:SANDHANINS)

Bangladesh · Delayed Price · Currency is BDT

27.20

-0.10 (-0.37%)

At close: Jul 26, 2026

DSE:SANDHANINS Financials Overview

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

Millions BDT. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Revenue	3,123	3,062	2,939	2,949	2,938	2,723
Revenue Growth	6.40%	4.16%	-0.33%	0.38%	7.87%	2.42%
Operating Income	333.35	56.26	-54.54	-171.47	-446.01	19.42
Net Income	52.53	-235.64	-97.47	-300.09	-515.17	-70.84
Earnings Per Share	0.48	-2.15	-0.89	-2.74	-4.70	-0.65
EPS Growth	-	-	-	-	-	-

Cash & Debt

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Investments	2,536	1,839	1,982	2,129	2,855	3,080
Total Debt	8.5	14.88	16.08	12.01	21.21	-
Net Cash (Debt)	2,528	1,824	1,966	2,117	2,833	3,080
Net Cash Growth	64.03%	-7.20%	-7.13%	-25.28%	-8.01%	-3.31%
Net Cash Per Share	23.04	16.63	17.92	19.30	25.83	28.08

Cash Flow & CapEx

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Operating Cash Flow	247.73	31.38	-38.42	-164.51	159.39	578.57
Capital Expenditures	-19.75	-14.71	-19.95	-26.02	-42.3	-
Free Cash Flow	227.98	16.67	-58.37	-190.53	117.09	578.57
Free Cash Flow Growth	-	-	-	-	-79.76%	-

Margins

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Operating Margin	10.67%	1.84%	-1.85%	-5.81%	-15.18%	0.71%
Pretax Margin	6.87%	-2.04%	-1.84%	-8.40%	-15.72%	0.63%
Profit Margin	1.68%	-7.70%	-3.32%	-10.18%	-17.54%	-2.60%
FCF Margin	7.30%	0.55%	-1.99%	-6.46%	3.99%	21.24%

Dividends

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jul '26 Jul 27, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Dividend Per Share	1.200	1.200	1.200	1.200	1.200	1.200
Dividend Per Share Growth	0%	0%	0%	0%	0%	0%
Dividend Yield	4.40%	6.41%	4.95%	5.17%	4.30%	5.46%

Valuation

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jul '26 Jul 27, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
P/FCF Ratio	13.09	130.27	-	-	31.67	5.20
PS Ratio	0.96	0.71	1.00	1.00	1.26	1.10