Karnaphuli Insurance PLC (DSE:KARNAPHULI)
Bangladesh
· Delayed Price · Currency is BDT 27.20
-0.70 (-2.51%)
At close: Dec 4, 2025
Karnaphuli 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 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
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 | 2019 - 2015 |
| Premiums & Annuity Revenue | 490.28 | 463.98 | 374.56 | 353.07 | 340.39 | 282.69 | Upgrade
|
| Total Interest & Dividend Income | 67.33 | 62.22 | 53.79 | 49.41 | 45.54 | 54.82 | Upgrade
|
| Gain (Loss) on Sale of Investments | 0.55 | 0.11 | 0.6 | 5.26 | 13.39 | -0.33 | Upgrade
|
| Other Revenue | 41.04 | 42.59 | 54.14 | 37.18 | 35.71 | 36.53 | Upgrade
|
| Total Revenue | 599.21 | 568.91 | 483.08 | 444.91 | 435.04 | 373.7 | Upgrade
|
| Revenue Growth (YoY) | 13.54% | 17.77% | 8.58% | 2.27% | 16.41% | 31.95% | Upgrade
|
| Policy Benefits | 212.72 | 162.54 | 100.8 | 61.98 | 93.68 | 55.69 | Upgrade
|
| Policy Acquisition & Underwriting Costs | 152.24 | 83.85 | 78.77 | 72.11 | 27.07 | 59.46 | Upgrade
|
| Depreciation & Amortization | 11.65 | 11.65 | 7.74 | 8.32 | 7.2 | 4.65 | Upgrade
|
| Selling, General & Administrative | 98.73 | 192.46 | 185.41 | 192.17 | 162.79 | 157.82 | Upgrade
|
| Total Operating Expenses | 475.34 | 450.5 | 372.71 | 334.59 | 290.73 | 277.62 | Upgrade
|
| Operating Income | 123.87 | 118.41 | 110.37 | 110.33 | 144.31 | 96.09 | Upgrade
|
| Interest Expense | -0.6 | -0.6 | - | -0.17 | -0.18 | -0.38 | Upgrade
|
| EBT Excluding Unusual Items | 123.27 | 117.81 | 110.37 | 110.16 | 144.13 | 95.7 | Upgrade
|
| Gain (Loss) on Sale of Assets | 1.51 | 1.51 | - | 0.82 | - | - | Upgrade
|
| Pretax Income | 124.78 | 119.32 | 110.37 | 110.98 | 144.13 | 95.7 | Upgrade
|
| Income Tax Expense | 25.95 | 22.63 | 25.63 | 27.56 | 37.77 | 23.85 | Upgrade
|
| Net Income | 98.83 | 96.69 | 84.74 | 83.42 | 106.36 | 71.85 | Upgrade
|
| Net Income to Common | 98.83 | 96.69 | 84.74 | 83.42 | 106.36 | 71.85 | Upgrade
|
| Net Income Growth | 3.28% | 14.10% | 1.59% | -21.57% | 48.03% | 45.75% | Upgrade
|
| Shares Outstanding (Basic) | 45 | 45 | 45 | 45 | 45 | 45 | Upgrade
|
| Shares Outstanding (Diluted) | 45 | 45 | 45 | 45 | 45 | 45 | Upgrade
|
| EPS (Basic) | 2.20 | 2.15 | 1.89 | 1.86 | 2.37 | 1.60 | Upgrade
|
| EPS (Diluted) | 2.20 | 2.15 | 1.89 | 1.86 | 2.37 | 1.60 | Upgrade
|
| EPS Growth | 3.28% | 14.10% | 1.59% | -21.57% | 48.03% | 45.75% | Upgrade
|
| Free Cash Flow | 77.08 | 121.35 | 108.22 | 35.41 | 146.91 | 237.92 | Upgrade
|
| Free Cash Flow Per Share | 1.72 | 2.70 | 2.41 | 0.79 | 3.27 | 5.30 | Upgrade
|
| Dividend Per Share | 1.000 | 1.000 | 1.000 | 1.000 | 1.200 | 1.000 | Upgrade
|
| Dividend Growth | - | - | - | -16.67% | 20.00% | - | Upgrade
|
| Operating Margin | 20.67% | 20.81% | 22.85% | 24.80% | 33.17% | 25.71% | Upgrade
|
| Profit Margin | 16.49% | 17.00% | 17.54% | 18.75% | 24.45% | 19.23% | Upgrade
|
| Free Cash Flow Margin | 12.86% | 21.33% | 22.40% | 7.96% | 33.77% | 63.67% | Upgrade
|
| EBITDA | 132.55 | 126.78 | 118.11 | 118.65 | 151.51 | 100.73 | Upgrade
|
| EBITDA Margin | 22.12% | 22.29% | 24.45% | 26.67% | 34.83% | 26.96% | Upgrade
|
| D&A For EBITDA | 8.68 | 8.37 | 7.74 | 8.32 | 7.2 | 4.65 | Upgrade
|
| EBIT | 123.87 | 118.41 | 110.37 | 110.33 | 144.31 | 96.09 | Upgrade
|
| EBIT Margin | 20.67% | 20.81% | 22.85% | 24.80% | 33.17% | 25.71% | Upgrade
|
| Effective Tax Rate | 20.79% | 18.96% | 23.22% | 24.83% | 26.21% | 24.92% | Upgrade
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Source: S&P Capital IQ. Insurance template. Financial Sources.