DHAKAINS Dhaka Insurance Limited
Insurance
Tk 42.3 as of 2026-11-12 14:07:02
Rank 239 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 50
Profitability 14
Solvency 56
Valuation 36
Weights: consistency 30%, profitability 30%, solvency 20%, valuation 20%; then risk flags add or subtract points. Full method
Why this score
Strengths
- Consistency Paid a dividend every year (5/5)
- Valuation Trades near book value (P/NAV 1.13x)
Concerns
- Consistency EPS rose in only 0 of 4 years (erratic or cyclical)
- Profitability Average ROE only 7.19% (below 9%: capital not working hard)
- Profitability Net profit shrinking 17.1% a year
- Valuation P/E 24.31 is high (above 12)
Notes
- Solvency Bank/insurer: NPL and capital-adequacy are not in the data, so solvency is estimated from earnings stability
Risk flags
- Small cap (< Tk 200 cr): most exposed to manipulation and volatility
- Thin trading (last day ~Tk 0.18 cr)
Valuation
P/E
P/E audited
P/E current
P/B
NAV per share
EPS (last audited year)
Graham fair value
Margin of safety
52-week range
36.9% above the low, 20.2% below the high. Near the low is only interesting if profit is intact (see concerns above) and the fall has a temporary cause.
Quality and growth
ROE
ROE avg
ROE min
Profit CAGR
Profit YoY
Net profit
EPS up
Loss years (last ~5)
Dividends and safety
Div years
Dividend yield
Payout
Cash div
D/E
Their loans are deposits; NPL data is not available
Loans/MCap
Size, liquidity and ownership
MCap
Free float
Daily turnover
Sponsor %
Inst. %
Public %
Foreign %
Shareholding
- Sponsor/director 54.8%
- Institution 11.9%
- Foreign 0.1%
- Public 33.3%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 3.64 | 33.78 | 15 | 25 | 0 |
| 2022 | 3 | 33.99 | 12 | 20 | 0 |
| 2023 | 2.84 | 34.59 | 11 | 17 | 0 |
| 2024 | 2.41 | 35.65 | 10 | 10 | 0 |
| 2025 | 1.72 | 36.7 | 7 | 10 | 0 |
Fiscal year ends December. EPS, NAV and profit are as audited by the company and published by DSE. Financials last fetched: 14/11/2026.
Shariah screen (partial)
Business screen and the debt ratio (loans / market cap 0%, limit 33%) are automated. Interest income (under 5% of revenue) and cash/investment ratios must be checked in the annual report.
Educational, not investment advice. Verify on DSE and StockNow before making any decision.