Crystal Insurance Statistics

Total Valuation

DSE:CRYSTALINS has a market cap or net worth of BDT 2.12 billion. The enterprise value is 2.09 billion.

Market Cap	2.12B
Enterprise Value	2.09B

Important Dates

The next estimated earnings date is Wednesday, February 18, 2026.

Earnings Date	Feb 18, 2026
Ex-Dividend Date	Mar 3, 2025

Share Statistics

DSE:CRYSTALINS has 44.00 million shares outstanding.

Current Share Class	44.00M
Shares Outstanding	44.00M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	58.00%
Owned by Institutions (%)	n/a
Float	18.48M

Valuation Ratios

The trailing PE ratio is 14.45.

PE Ratio	14.45
Forward PE	n/a
PS Ratio	2.94
PB Ratio	1.77
P/TBV Ratio	1.77
P/FCF Ratio	24.42
P/OCF Ratio	18.82
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 9.37, with an EV/FCF ratio of 24.11.

EV / Earnings	14.27
EV / Sales	2.90
EV / EBITDA	9.37
EV / EBIT	11.10
EV / FCF	24.11

Financial Position

The company has a current ratio of 2.09, with a Debt / Equity ratio of 0.02.

Current Ratio	2.09
Quick Ratio	0.07
Debt / Equity	0.02
Debt / EBITDA	0.09
Debt / FCF	0.22
Interest Coverage	110.51

Financial Efficiency

Return on equity (ROE) is 12.74% and return on invested capital (ROIC) is 10.06%.

Return on Equity (ROE)	12.74%
Return on Assets (ROA)	5.70%
Return on Invested Capital (ROIC)	10.06%
Return on Capital Employed (ROCE)	13.00%
Revenue Per Employee	2.23M
Profits Per Employee	452,855
Employee Count	310
Asset Turnover	0.35
Inventory Turnover	n/a

Taxes

In the past 12 months, DSE:CRYSTALINS has paid 39.78 million in taxes.

Income Tax	39.78M
Effective Tax Rate	21.33%

Stock Price Statistics

The stock price has decreased by -12.26% in the last 52 weeks. The beta is 0.37, so DSE:CRYSTALINS's price volatility has been lower than the market average.

Beta (5Y)	0.37
52-Week Price Change	-12.26%
50-Day Moving Average	51.88
200-Day Moving Average	47.85
Relative Strength Index (RSI)	46.50
Average Volume (20 Days)	271,607

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, DSE:CRYSTALINS had revenue of BDT 721.42 million and earned 146.72 million in profits. Earnings per share was 3.33.

Revenue	721.42M
Gross Profit	453.04M
Operating Income	188.69M
Pretax Income	186.50M
Net Income	146.72M
EBITDA	220.73M
EBIT	188.69M
Earnings Per Share (EPS)	3.33

Full Income Statement

Balance Sheet

The company has 46.20 million in cash and 19.16 million in debt, giving a net cash position of 27.04 million or 0.61 per share.

Cash & Cash Equivalents	46.20M
Total Debt	19.16M
Net Cash	27.04M
Net Cash Per Share	0.61
Equity (Book Value)	1.20B
Book Value Per Share	27.18
Working Capital	771.92M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 112.71 million and capital expenditures -25.88 million, giving a free cash flow of 86.83 million.

Operating Cash Flow	112.71M
Capital Expenditures	-25.88M
Free Cash Flow	86.83M
FCF Per Share	1.97

Full Cash Flow Statement

Margins

Gross margin is 62.80%, with operating and profit margins of 26.16% and 20.34%.

Gross Margin	62.80%
Operating Margin	26.16%
Pretax Margin	25.85%
Profit Margin	20.34%
EBITDA Margin	30.60%
EBIT Margin	26.16%
FCF Margin	12.04%

Dividends & Yields

This stock pays an annual dividend of 1.20, which amounts to a dividend yield of 2.49%.

Dividend Per Share	1.20
Dividend Yield	2.49%
Dividend Growth (YoY)	71.43%
Years of Dividend Growth	n/a
Payout Ratio	35.89%
Buyback Yield	n/a
Shareholder Yield	2.49%
Earnings Yield	6.92%
FCF Yield	4.09%

Dividend Details

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on March 13, 2024. It was a forward split with a ratio of 1.1.

Last Split Date	Mar 13, 2024
Split Type	Forward
Split Ratio	1.1

Scores

Altman Z-Score	n/a
Piotroski F-Score	3