JANATAINS Janata Insurance Company Limited
Insurance
Tk 32.3 as of 2026-11-12 14:06:51
Rank 164 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 75
Profitability 34
Solvency 67
Valuation 15
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 8.23% (below 9%: capital not working hard)
- Valuation P/E 21.97 is high (above 12)
- Valuation Trades at 2.09x book value (NAV Tk 15.49, price Tk 32.3)
- Valuation Price is 52% above the Graham fair value (Tk 21.3)
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
55.3% above the low, 17.8% 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 39.9%
- Institution 9%
- Public 51.1%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 1.21 | 14.41 | 5 | 6 | 5 |
| 2022 | 1.2 | 14.55 | 6 | 11 | 0 |
| 2023 | 1.24 | 14.69 | 6 | 11 | 0 |
| 2024 | 1.31 | 14.96 | 6 | 6 | 4 |
| 2025 | 1.1 | 15.07 | 5 | 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.