Takaful Islami Insurance PLC (DSE:TAKAFULINS)

Takaful Islami Insurance Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	478.74	479.88	498.81	357.89	363.85	369.65
Total Interest & Dividend Income	36.77	37.48	42.31	35.63	36.99	43.95
Gain (Loss) on Sale of Investments	9.85	9.85	3.52	8.51	26.68	10.52
Other Revenue	79.59	79.59	67.7	78.96	54.92	53.31
Total Revenue	604.95	606.82	612.35	480.99	482.45	477.43
Revenue Growth (YoY)	-6.22%	-0.90%	27.31%	-0.30%	1.05%	29.35%
Policy Benefits	-9.95	7.63	74.63	2.52	24.04	64.54
Policy Acquisition & Underwriting Costs	100.03	96.88	96.45	85.93	31.43	77.14
Depreciation & Amortization	-	-	-	-	6.19	5.07
Selling, General & Administrative	405.75	402.37	348.95	302.9	288.7	220.69
Total Operating Expenses	503.46	514.51	527.83	391.34	355.35	373.51
Operating Income	101.49	92.3	84.51	89.65	127.1	103.92
Other Non Operating Income (Expenses)	-0	-0	-	-	-3.36	-3.51
EBT Excluding Unusual Items	101.49	92.3	84.51	89.65	123.74	100.41
Gain (Loss) on Sale of Assets	0.82	0.82	0.01	-	-	0.01
Pretax Income	102.31	93.12	84.52	89.65	123.74	100.42
Income Tax Expense	39.07	30.93	21.79	26.29	28.14	30.09
Net Income	63.24	62.19	62.72	63.35	95.59	70.33
Preferred Dividends & Other Adjustments	-	-	-	-	-	0
Net Income to Common	63.24	62.19	62.72	63.35	95.59	70.33
Net Income Growth	0.61%	-0.85%	-0.99%	-33.73%	35.92%	0.47%
Shares Outstanding (Basic)	43	43	43	43	43	43
Shares Outstanding (Diluted)	43	43	43	43	43	43
Shares Change (YoY)	0.71%	-	-	-	-	-
EPS (Basic)	1.48	1.46	1.47	1.49	2.24	1.65
EPS (Diluted)	1.48	1.46	1.47	1.49	2.24	1.65
EPS Growth	-0.10%	-0.85%	-0.99%	-33.73%	35.92%	0.47%
Free Cash Flow	176.59	86.43	-28.52	73.95	110.43	61.09
Free Cash Flow Per Share	4.14	2.03	-0.67	1.74	2.59	1.44
Dividend Per Share	1.000	1.000	1.000	1.200	1.100	1.000
Dividend Growth	-	-	-16.67%	9.09%	10.00%	-
Operating Margin	16.78%	15.21%	13.80%	18.64%	26.34%	21.77%
Profit Margin	10.45%	10.25%	10.24%	13.17%	19.81%	14.73%
Free Cash Flow Margin	29.19%	14.24%	-4.66%	15.37%	22.89%	12.80%
EBITDA	107.28	98.6	91.49	96.15	133.28	108.99
EBITDA Margin	17.73%	16.25%	14.94%	19.99%	27.63%	22.83%
D&A For EBITDA	5.79	6.3	6.98	6.51	6.19	5.07
EBIT	101.49	92.3	84.51	89.65	127.1	103.92
EBIT Margin	16.78%	15.21%	13.80%	18.64%	26.34%	21.77%
Effective Tax Rate	38.19%	33.21%	25.79%	29.33%	22.75%	29.96%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.