PROVATIINS Provati Insurance Company Limited
Insurance
Tk 56.3 as of 2026-11-12 14:06:22
Rank 182 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 50
Profitability 30
Solvency 69
Valuation 9
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
- Consistency EPS rose in only 0 of 4 years (erratic or cyclical)
- Profitability Net profit shrinking 17.28% a year
- Valuation P/E 27.2 is high (above 12)
- Valuation Trades at 2.39x book value (NAV Tk 23.56, price Tk 56.3)
- Valuation Price is 86% above the Graham fair value (Tk 30.3)
Notes
- Profitability Average ROE 9.83% (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
145.9% above the low, 20.5% 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 30.4%
- Institution 17.2%
- Public 52.4%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 4.3 | 22.34 | 15 | 10 | 16 |
| 2022 | 2.52 | 20.68 | 10 | 12 | 0 |
| 2023 | 2.2 | 20.99 | 9 | 12.5 | 0 |
| 2024 | 1.97 | 21.71 | 8 | 10 | 0 |
| 2025 | 1.73 | 22.45 | 7 | 12 | 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.