Crystal Insurance Ratios and Metrics

Market cap in millions BDT. Fiscal year is January - December.

Millions BDT. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2019 - 2018
Period Ending	Dec '25 Dec 2, 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	2019 - 2018
Market Capitalization	2,121	2,495	3,404	1,612	2,264	1,576	Upgrade
Market Cap Growth	1.69%	-26.71%	111.17%	-28.80%	43.66%	-	Upgrade
Enterprise Value	2,094	2,457	2,394	1,581	2,232	1,524	Upgrade
PE Ratio	14.45	18.13	27.93	14.80	20.01	13.65	Upgrade
PS Ratio	2.94	3.50	5.78	2.81	4.29	7.87	Upgrade
PB Ratio	1.77	2.21	3.29	1.66	2.48	1.88	Upgrade
P/FCF Ratio	24.42	393.67	53.93	7.33	25.43	9.47	Upgrade
P/OCF Ratio	18.82	25.78	48.87	6.63	20.25	7.55	Upgrade
EV/Sales Ratio	2.90	3.44	4.07	2.76	4.23	7.61	Upgrade
EV/EBITDA Ratio	9.37	11.31	13.42	9.44	12.91	8.39	Upgrade
EV/EBIT Ratio	11.10	13.57	17.00	12.18	16.48	10.40	Upgrade
EV/FCF Ratio	24.11	387.75	37.93	7.19	25.08	9.16	Upgrade
Debt / Equity Ratio	0.02	0.02	0.02	0.01	0.01	0.01	Upgrade
Debt / EBITDA Ratio	0.09	0.09	0.10	0.07	0.05	0.04	Upgrade
Debt / FCF Ratio	0.22	3.26	0.30	0.05	0.10	0.05	Upgrade
Quick Ratio	0.07	0.06	0.05	1.57	1.60	1.79	Upgrade
Current Ratio	2.09	2.05	1.92	1.88	1.94	2.12	Upgrade
Asset Turnover	0.35	0.36	0.31	0.33	0.35	0.16	Upgrade
Return on Equity (ROE)	12.74%	12.72%	12.14%	11.56%	12.93%	16.20%	Upgrade
Return on Assets (ROA)	5.70%	5.71%	4.70%	4.72%	5.55%	7.29%	Upgrade
Return on Capital (ROIC)	10.06%	10.27%	8.64%	8.52%	9.57%	12.78%	Upgrade
Earnings Yield	6.92%	5.52%	3.58%	6.76%	5.00%	7.33%	Upgrade
FCF Yield	4.09%	0.25%	1.85%	13.64%	3.93%	10.55%	Upgrade
Dividend Yield	2.49%	2.17%	0.85%	2.63%	1.93%	2.81%	Upgrade
Payout Ratio	35.89%	22.15%	32.55%	36.91%	33.71%	24.69%	Upgrade
Buyback Yield / Dilution	-	-	-	-	-	-66.67%	Upgrade
Total Shareholder Return	2.49%	2.17%	0.85%	2.63%	1.93%	-63.86%	Upgrade

Source: S&P Capital IQ. Insurance template. Financial Sources.