PIONEERINS Pioneer Insurance Company Ltd.
Insurance
Tk 63 as of 2026-11-12 14:00:00
Rank 108 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 48
Profitability 42
Solvency 78
Valuation 61
Weights: consistency 30%, profitability 30%, solvency 20%, valuation 20%; then risk flags add or subtract points. Full method
Why this score
Concerns
- Consistency EPS rose in only 0 of 4 years (erratic or cyclical)
- Profitability Net profit shrinking 6.6% a year
Notes
- Profitability Average ROE 11.15% (moderate)
- Solvency Bank/insurer: NPL and capital-adequacy are not in the data, so solvency is estimated from earnings stability
- Valuation P/E 11.23 is fair
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
57.1% above the low, 17% 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 37.9%
- Institution 27.8%
- Public 34.2%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 7.62 | 48.66 | 59 | 25 | 10 |
| 2022 | 6.09 | 46.88 | 52 | — | — |
| 2023 | 5.47 | 47.98 | 49 | 20 | 10 |
| 2024 | 4.79 | 44.65 | 47 | 25 | 0 |
| 2025 | 4.57 | 46.97 | 45 | 25 | 5 |
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.