Crystal Insurance PLC (DSE:CRYSTALINS)
Bangladesh
· Delayed Price · Currency is BDT 49.40
-0.60 (-1.20%)
At close: Dec 3, 2025
Crystal Insurance Income Statement
Financials in millions BDT. Fiscal year is January - December.
Millions BDT. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2018 - 2019 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2018 - 2019 |
| Premiums & Annuity Revenue | 592.74 | 561.79 | 476.36 | 479.19 | 390.5 | 144 | Upgrade
|
| Total Interest & Dividend Income | 95.06 | 99.96 | 42.85 | 34 | 40.64 | 40.74 | Upgrade
|
| Gain (Loss) on Sale of Investments | -14.44 | -14.44 | 13.97 | 9.9 | 26.1 | - | Upgrade
|
| Other Revenue | 48.06 | 66.39 | 55.4 | 49.98 | 70.88 | 15.63 | Upgrade
|
| Total Revenue | 721.42 | 713.69 | 588.59 | 573.06 | 528.12 | 200.36 | Upgrade
|
| Revenue Growth (YoY) | 1.59% | 21.26% | 2.71% | 8.51% | 163.58% | 40.81% | Upgrade
|
| Policy Benefits | 177.6 | 183.93 | 121.85 | 120.4 | 87.93 | - | Upgrade
|
| Policy Acquisition & Underwriting Costs | 78.84 | 74.81 | 62.47 | 59.46 | 27.53 | - | Upgrade
|
| Depreciation & Amortization | 34.65 | 36.31 | 37.49 | 37.67 | 37.43 | 35.17 | Upgrade
|
| Selling, General & Administrative | 218.17 | 213.93 | 205.95 | 210.22 | 226.22 | 3.93 | Upgrade
|
| Other Operating Expenses | 14.14 | 14.73 | 13.03 | 9.24 | 7.14 | 7.64 | Upgrade
|
| Total Operating Expenses | 532.72 | 532.65 | 447.74 | 443.19 | 392.66 | 53.87 | Upgrade
|
| Operating Income | 188.69 | 181.05 | 140.85 | 129.87 | 135.46 | 146.49 | Upgrade
|
| Interest Expense | -1.71 | -1.61 | -1.11 | -1.49 | -1.15 | -0.96 | Upgrade
|
| Other Non Operating Income (Expenses) | -0.48 | -0.65 | -0.67 | -4.35 | -6.03 | -2.75 | Upgrade
|
| EBT Excluding Unusual Items | 186.5 | 178.78 | 139.06 | 124.04 | 128.28 | 142.78 | Upgrade
|
| Pretax Income | 186.5 | 178.78 | 139.06 | 124.04 | 128.28 | 142.78 | Upgrade
|
| Income Tax Expense | 39.78 | 41.14 | 17.19 | 15.08 | 15.11 | 27.33 | Upgrade
|
| Net Income | 146.72 | 137.64 | 121.87 | 108.96 | 113.17 | 115.45 | Upgrade
|
| Net Income to Common | 146.72 | 137.64 | 121.87 | 108.96 | 113.17 | 115.45 | Upgrade
|
| Net Income Growth | 7.27% | 12.94% | 11.86% | -3.72% | -1.97% | 9.14% | Upgrade
|
| Shares Outstanding (Basic) | 44 | 44 | 44 | 44 | 44 | 44 | Upgrade
|
| Shares Outstanding (Diluted) | 44 | 44 | 44 | 44 | 44 | 44 | Upgrade
|
| Shares Change (YoY) | - | - | - | - | - | 66.67% | Upgrade
|
| EPS (Basic) | 3.33 | 3.13 | 2.77 | 2.48 | 2.57 | 2.62 | Upgrade
|
| EPS (Diluted) | 3.33 | 3.13 | 2.77 | 2.48 | 2.57 | 2.62 | Upgrade
|
| EPS Growth | 7.27% | 12.94% | 11.86% | -3.72% | -1.97% | -34.51% | Upgrade
|
| Free Cash Flow | 86.83 | 6.34 | 63.12 | 219.89 | 89.03 | 166.35 | Upgrade
|
| Free Cash Flow Per Share | 1.97 | 0.14 | 1.43 | 5.00 | 2.02 | 3.78 | Upgrade
|
| Dividend Per Share | 1.200 | 1.200 | 0.636 | 0.909 | 0.909 | 0.909 | Upgrade
|
| Dividend Growth | 88.56% | 88.56% | -30.00% | - | - | -16.66% | Upgrade
|
| Operating Margin | 26.16% | 25.37% | 23.93% | 22.66% | 25.65% | 73.11% | Upgrade
|
| Profit Margin | 20.34% | 19.29% | 20.71% | 19.01% | 21.43% | 57.62% | Upgrade
|
| Free Cash Flow Margin | 12.04% | 0.89% | 10.72% | 38.37% | 16.86% | 83.02% | Upgrade
|
| EBITDA | 220.73 | 217.36 | 178.33 | 167.54 | 172.89 | 181.66 | Upgrade
|
| EBITDA Margin | 30.60% | 30.46% | 30.30% | 29.24% | 32.74% | 90.66% | Upgrade
|
| D&A For EBITDA | 32.03 | 36.31 | 37.49 | 37.67 | 37.43 | 35.17 | Upgrade
|
| EBIT | 188.69 | 181.05 | 140.85 | 129.87 | 135.46 | 146.49 | Upgrade
|
| EBIT Margin | 26.16% | 25.37% | 23.93% | 22.66% | 25.65% | 73.11% | Upgrade
|
| Effective Tax Rate | 21.33% | 23.01% | 12.36% | 12.16% | 11.78% | 19.14% | Upgrade
|
Source: S&P Global Market Intelligence. Insurance template. Financial Sources.