Financials Crystal Insurance Company Limited

Equities

CRYSTALINS

BD0749CICL05

Property & Casualty Insurance

End-of-day quote Dhaka S.E. 18:00:00 2024-05-15 EDT 5-day change 1st Jan Change
86.1 BDT -2.93% Intraday chart for Crystal Insurance Company Limited -6.51% +11.29%

Valuation

Fiscal Period: December 2020 2021 2022
Capitalization 1 1,576 2,264 1,612
Enterprise Value (EV) 1 1,395 2,249 1,582
P/E ratio 6.63 x 20 x 14.8 x
Yield 2.54% 1.77% 2.48%
Capitalization / Revenue 7.87 x 11.8 x 2.81 x
EV / Revenue 6.96 x 11.7 x 2.76 x
EV / EBITDA 7.41 x 13 x 9.43 x
EV / FCF 15,833,266 x -47,789,947 x 57,846,624 x
FCF Yield 0% -0% 0%
Price to Book 1.88 x 2.48 x 1.66 x
Nbr of stocks (in thousands) 44,000 44,000 44,000
Reference price 2 35.82 51.45 36.64
Announcement Date 21-04-26 22-06-09 23-06-07
1BDT in Million2BDT
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022
Net sales 1 100.6 142.3 200.4 191.9 573.1
EBITDA 1 98.11 137.8 188.2 172.9 167.8
EBIT 1 70.01 109.2 153.1 135.5 130.1
Operating Margin 69.6% 76.72% 76.4% 70.59% 22.71%
Earnings before Tax (EBT) 1 79.57 105.8 149.9 128.3 124
Net income 1 79.57 105.8 149.9 113.2 109
Net margin 79.1% 74.34% 74.82% 58.98% 19.01%
EPS 2 3.014 4.007 5.402 2.572 2.476
Free Cash Flow - -27.5 88.08 -47.05 27.34
FCF margin - -19.33% 43.96% -24.52% 4.77%
FCF Conversion (EBITDA) - - 46.79% - 16.29%
FCF Conversion (Net income) - - 58.75% - 25.09%
Dividend per Share 2 0.9091 1.091 0.9091 0.9091 0.9091
Announcement Date 20-10-12 20-10-12 21-04-26 22-06-09 23-06-07
1BDT in Million2BDT
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022
Net Debt 1 - - - - -
Net Cash position 1 37.3 31.6 181 15.3 30.3
Leverage (Debt/EBITDA) - - - - -
Free Cash Flow - -27.5 88.1 -47.1 27.3
ROE (net income / shareholders' equity) - 18.5% 21% 12.9% 11.6%
ROA (Net income/ Total Assets) - 6.79% 7.62% 5.55% 4.73%
Assets 1 - 1,557 1,967 2,040 2,302
Book Value Per Share 2 21.10 22.20 19.10 20.70 22.10
Cash Flow per Share 2 1.410 1.200 4.310 0.5600 0.9500
Capex 1 20.1 33.8 42.3 22.8 23.3
Capex / Sales 19.94% 23.77% 21.11% 11.88% 4.06%
Announcement Date 20-10-12 20-10-12 21-04-26 22-06-09 23-06-07
1BDT in Million2BDT
Estimates
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