Sena Insurance 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	730.52	505.66	370.64	420.9	344.45	276.46
Total Interest & Dividend Income	159.6	156.53	125.75	76.4	60.65	45.15
Gain (Loss) on Sale of Investments	-	-	-	0.06	2.03	3.74
Other Revenue	73.25	79.76	52.07	52.02	43.71	41.01
Total Revenue	963.37	741.95	548.45	549.38	450.84	366.36
Revenue Growth (YoY)	113.68%	35.28%	-0.17%	21.86%	23.06%	-4.33%
Policy Benefits	421.12	202.55	126.93	225.98	134.22	114.18
Policy Acquisition & Underwriting Costs	107.79	107.79	55.38	34.76	57.21	22.3
Depreciation & Amortization	15.13	15.13	14.95	14.18	9.66	5.09
Selling, General & Administrative	168.38	165.29	138.94	118.85	115.31	98.8
Other Operating Expenses	0.22	0.22	0.3	0.24	0	-
Total Operating Expenses	724.59	502.93	346.84	401.51	322.89	246.16
Operating Income	238.78	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	-0.7	-1.28	-1.02	-0.96	-6.46
EBT Excluding Unusual Items	238.08	238.32	202.44	148.34	126.98	113.74
Gain (Loss) on Sale of Assets	0.75	0.75	4.27	1.87	2.77	2.24
Pretax Income	238.83	239.07	206.71	150.22	129.75	115.98
Income Tax Expense	34.65	32.46	35.03	13.56	15.42	9.83
Net Income	204.18	206.6	171.68	136.66	114.33	106.15
Net Income to Common	204.18	206.6	171.68	136.66	114.33	106.15
Net Income Growth	78.58%	20.34%	25.62%	19.53%	7.71%	12.60%
Shares Outstanding (Basic)	40	40	40	40	40	28
Shares Outstanding (Diluted)	40	40	40	40	40	28
Shares Change (YoY)	-0.01%	-	-	-	44.27%	15.53%
EPS (Basic)	5.10	5.17	4.29	3.42	2.86	3.83
EPS (Diluted)	5.10	5.17	4.29	3.42	2.86	3.83
EPS Growth	78.60%	20.34%	25.62%	19.53%	-25.34%	-2.54%
Free Cash Flow	-106.29	188.24	272.47	220.09	26.04	228.62
Free Cash Flow Per Share	-2.66	4.71	6.81	5.50	0.65	8.25
Dividend Per Share	1.500	1.500	1.500	1.350	1.200	1.200
Dividend Growth	25.00%	-	11.11%	12.50%	-	20.00%
Operating Margin	24.79%	32.21%	36.76%	26.91%	28.38%	32.81%
Profit Margin	21.19%	27.85%	31.30%	24.88%	25.36%	28.97%
Free Cash Flow Margin	-11.03%	25.37%	49.68%	40.06%	5.78%	62.40%
EBITDA	253.55	253.83	216.57	162.04	137.6	125.29
EBITDA Margin	26.32%	34.21%	39.49%	29.50%	30.52%	34.20%
D&A For EBITDA	14.77	14.81	14.95	14.18	9.66	5.09
EBIT	238.78	239.02	201.61	147.87	127.95	120.2
EBIT Margin	24.79%	32.21%	36.76%	26.91%	28.38%	32.81%
Effective Tax Rate	14.51%	13.58%	16.95%	9.02%	11.88%	8.48%

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