Sandhani Life Insurance Company Limited (DSE:SANDHANINS)

Bangladesh · Delayed Price · Currency is BDT

21.60

+0.20 (0.93%)

At close: Nov 4, 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	Sep '26 Sep 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	3,132	2,996	3,062	2,939	2,949	2,938
Revenue Growth	-0.19%	-2.13%	4.16%	-0.33%	0.38%	7.87%
Operating Income	630.51	357.31	56.26	-54.54	-171.47	-446.01
Net Income	444.76	191.53	-235.64	-97.47	-300.09	-515.17
Earnings Per Share	-	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	Sep '26 Sep 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	2,380	2,467	1,839	1,982	2,129	2,855
Total Debt	8.34	15.72	14.88	16.08	12.01	21.21
Net Cash (Debt)	2,371	2,451	1,824	1,966	2,117	2,833
Net Cash Growth	-6.19%	34.34%	-7.20%	-7.13%	-25.28%	-8.01%
Net Cash Per Share	-	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	Sep '26 Sep 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	572.02	315.04	31.38	-38.42	-164.51	159.39
Capital Expenditures	-16.65	-21.74	-14.71	-19.95	-26.02	-42.3
Free Cash Flow	555.37	293.3	16.67	-58.37	-190.53	117.09
Free Cash Flow Growth	143.61%	1659.07%	-	-	-	-79.76%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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	20.13%	11.92%	1.84%	-1.85%	-5.81%	-15.18%
Pretax Margin	19.52%	11.77%	-2.04%	-1.84%	-8.40%	-15.72%
Profit Margin	14.20%	6.39%	-7.70%	-3.32%	-10.18%	-17.54%
FCF Margin	17.73%	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	Nov '26 Nov 4, 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	5.56%	6.19%	6.06%	4.46%	4.46%	3.55%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 4, 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	5.28	11.11	-	-	-	-
P/FCF Ratio	4.23	7.26	130.27	-	-	31.67
PS Ratio	0.75	0.71	0.71	1.00	1.00	1.26