Sandhani Life Insurance Company Limited (DSE:SANDHANINS)

Bangladesh · Delayed Price · Currency is BDT

28.30

-0.10 (-0.35%)

At close: Aug 13, 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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Revenue	3,083	2,996	3,062	2,939	2,949	2,938
Revenue Growth	1.35%	-2.13%	4.16%	-0.33%	0.38%	7.87%
Operating Income	616.81	357.31	56.26	-54.54	-171.47	-446.01
Net Income	341.93	191.53	-235.64	-97.47	-300.09	-515.17
Earnings Per Share	3.12	1.75	-2.15	-0.89	-2.74	-4.70
EPS Growth	-	-	-	-	-	-

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Cash & Investments	2,377	2,467	1,839	1,982	2,129	2,855
Total Debt	10.7	15.72	14.88	16.08	12.01	21.21
Net Cash (Debt)	2,367	2,451	1,824	1,966	2,117	2,833
Net Cash Growth	24.79%	34.34%	-7.20%	-7.13%	-25.28%	-8.01%
Net Cash Per Share	21.57	22.34	16.63	17.92	19.30	25.83

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Operating Cash Flow	559.74	315.04	31.38	-38.42	-164.51	159.39
Capital Expenditures	-15.67	-21.74	-14.71	-19.95	-26.02	-42.3
Free Cash Flow	544.07	293.3	16.67	-58.37	-190.53	117.09
Free Cash Flow Growth	345.21%	1659.07%	-	-	-	-79.76%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Operating Margin	20.01%	11.92%	1.84%	-1.85%	-5.81%	-15.18%
Pretax Margin	16.21%	11.77%	-2.04%	-1.84%	-8.40%	-15.72%
Profit Margin	11.09%	6.39%	-7.70%	-3.32%	-10.18%	-17.54%
FCF Margin	17.65%	9.79%	0.55%	-1.99%	-6.46%	3.99%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 16, 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
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	4.24%	6.19%	6.41%	4.95%	5.17%	4.30%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 16, 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
PE Ratio	9.08	11.11	-	-	-	-
P/FCF Ratio	5.71	7.26	130.27	-	-	31.67
PS Ratio	1.01	0.71	0.71	1.00	1.00	1.26