TAKAFULINS Takaful Islami Insurance Limited
Insurance
Tk 45.5 as of 2026-11-12 14:02:54
Rank 228 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 50
Profitability 20
Solvency 64
Valuation 11
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 Average ROE only 7.43% (below 9%: capital not working hard)
- Profitability Net profit shrinking 14.31% a year
- Valuation P/E 23.21 is high (above 12)
- Valuation Trades at 2.26x book value (NAV Tk 20.1, price Tk 45.5)
- Valuation Price is 95% above the Graham fair value (Tk 23.4)
Notes
- 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
61.4% above the low, 22.9% 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 49.5%
- Institution 14.7%
- Foreign 0.1%
- Public 35.7%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 2.25 | 19.15 | 10 | 11 | 0 |
| 2022 | 1.49 | 18.94 | 6 | 12 | 0 |
| 2023 | 1.47 | 19.18 | 6 | 10 | 0 |
| 2024 | 1.46 | 18.76 | 6 | 10 | 0 |
| 2025 | 1.21 | 18.44 | 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 6%, 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.