PRAGATIINS Pragati Insurance Limited
Insurance
Tk 69.4 as of 2026-11-12 14:01:25
Rank 91 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 68
Profitability 46
Solvency 75
Valuation 65
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 1.2x)
Concerns
- Consistency EPS rose in only 1 of 4 years (erratic or cyclical)
Notes
- Profitability Average ROE 9.42% (moderate)
- Solvency Bank/insurer: NPL and capital-adequacy are not in the data, so solvency is estimated from earnings stability
- Valuation P/E 11.19 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
30.5% above the low, 21.9% 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 35.1%
- Institution 21.3%
- Public 43.6%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 5.72 | 57.32 | 38 | 35 | 0 |
| 2022 | 5.65 | 59.01 | 37 | 25 | 5 |
| 2023 | 5.36 | 58.97 | 37 | 20 | 7 |
| 2024 | 5.61 | 57.58 | 41 | 20 | 7 |
| 2025 | 5.31 | 57.36 | 42 | 27 | 3 |
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.