KARNAPHULI Karnaphuli Insurance Company Limited
Insurance
Tk 54.8 as of 2026-11-12 14:00:00
Rank 124 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 72
Profitability 40
Solvency 74
Valuation 13
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 Net profit shrinking 2.59% a year
- Valuation P/E 21 is high (above 12)
- Valuation Trades at 2.17x book value (NAV Tk 25.22, price Tk 54.8)
- Valuation Price is 58% above the Graham fair value (Tk 34.8)
Notes
- Consistency EPS rose in 2 of 4 years (mixed)
- Profitability Average ROE 9.22% (moderate)
- Solvency Bank/insurer: NPL and capital-adequacy are not in the data, so solvency is estimated from earnings stability
Risk flags
- Mid cap (Tk 200-1,000 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
121% above the low, 10.2% 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 32.7%
- Institution 10.5%
- Public 56.8%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 2.37 | 20.19 | 11 | 12 | 0 |
| 2022 | 1.86 | 20.72 | 8 | 10 | 0 |
| 2023 | 1.89 | 21.61 | 8 | 10 | 0 |
| 2024 | 2.15 | 22.75 | 10 | 10 | 0 |
| 2025 | 2.13 | 23.79 | 10 | 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.