Sena Insurance Income 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
Premiums & Annuity Revenue	505.66	370.64	420.9	344.45	276.46
Total Interest & Dividend Income	156.53	125.75	76.4	60.65	45.15
Gain (Loss) on Sale of Investments	-	-	0.06	2.03	3.74
Other Revenue	79.76	52.07	52.02	43.71	41.01
Total Revenue	741.95	548.45	549.38	450.84	366.36
Revenue Growth (YoY)	35.28%	-0.17%	21.86%	23.06%	-4.33%
Policy Benefits	202.55	126.93	225.98	134.22	114.18
Policy Acquisition & Underwriting Costs	107.79	55.38	34.76	57.21	22.3
Depreciation & Amortization	15.13	14.95	14.18	9.66	5.09
Selling, General & Administrative	165.29	138.94	118.85	115.31	98.8
Other Operating Expenses	0.22	0.3	0.24	0	-
Total Operating Expenses	502.93	346.84	401.51	322.89	246.16
Operating Income	239.02	201.61	147.87	127.95	120.2
Currency Exchange Gain (Loss)	-	2.11	1.5	-	-
Other Non Operating Income (Expenses)	-0.7	-1.28	-1.02	-0.96	-6.46
EBT Excluding Unusual Items	238.32	202.44	148.34	126.98	113.74
Gain (Loss) on Sale of Assets	0.75	4.27	1.87	2.77	2.24
Pretax Income	239.07	206.71	150.22	129.75	115.98
Income Tax Expense	32.46	35.03	13.56	15.42	9.83
Net Income	206.6	171.68	136.66	114.33	106.15
Net Income to Common	206.6	171.68	136.66	114.33	106.15
Net Income Growth	20.34%	25.62%	19.53%	7.71%	12.60%
Shares Outstanding (Basic)	40	40	40	40	28
Shares Outstanding (Diluted)	40	40	40	40	28
Shares Change (YoY)	-	-	-	44.27%	15.53%
EPS (Basic)	5.17	4.29	3.42	2.86	3.83
EPS (Diluted)	5.17	4.29	3.42	2.86	3.83
EPS Growth	20.34%	25.62%	19.53%	-25.34%	-2.54%
Free Cash Flow	188.24	272.47	220.09	26.04	228.62
Free Cash Flow Per Share	4.71	6.81	5.50	0.65	8.25
Dividend Per Share	1.500	1.500	1.350	1.200	1.200
Dividend Growth	-	11.11%	12.50%	-	20.00%
Operating Margin	32.21%	36.76%	26.91%	28.38%	32.81%
Profit Margin	27.85%	31.30%	24.88%	25.36%	28.97%
Free Cash Flow Margin	25.37%	49.68%	40.06%	5.78%	62.40%
EBITDA	253.83	216.57	162.04	137.6	125.29
EBITDA Margin	34.21%	39.49%	29.50%	30.52%	34.20%
D&A For EBITDA	14.81	14.95	14.18	9.66	5.09
EBIT	239.02	201.61	147.87	127.95	120.2
EBIT Margin	32.21%	36.76%	26.91%	28.38%	32.81%
Effective Tax Rate	13.58%	16.95%	9.02%	11.88%	8.48%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.