FEDERALINS Federal Insurance Company Limited
Insurance
Tk 26.5 as of 2026-11-12 14:05:34
Rank 158 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 70
Profitability 38
Solvency 68
Valuation 20
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)
Concerns
- Profitability Average ROE only 7.91% (below 9%: capital not working hard)
- Profitability Net profit shrinking 5.09% a year
- Valuation P/E 18.79 is high (above 12)
- Valuation Trades at 2.01x book value (NAV Tk 13.2, price Tk 26.5)
- Valuation Price is 47% above the Graham fair value (Tk 18.1)
Notes
- Consistency EPS rose in 2 of 4 years (mixed)
- 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
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
55.9% above the low, 18.7% 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 36%
- Institution 1.6%
- Public 62.4%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 1.36 | 12.93 | 10 | 10 | 0 |
| 2022 | 1.03 | 12.97 | 7 | 10 | 0 |
| 2023 | 0.96 | 12.93 | 7 | 10 | 0 |
| 2024 | 1.01 | 12.94 | 7 | 10 | 0 |
| 2025 | 1.1 | 13.04 | 8 | 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.