Announcement • Oct 23
Rupali Life Insurance Company Limited to Report Q3, 2025 Results on Oct 28, 2025 Rupali Life Insurance Company Limited announced that they will report Q3, 2025 results on Oct 28, 2025 Announcement • Oct 23
Rupali Life Insurance Company Limited to Report Q3, 2024 Results on Oct 28, 2024 Rupali Life Insurance Company Limited announced that they will report Q3, 2024 results on Oct 28, 2024 New Risk • Oct 12
New major risk - Revenue and earnings growth Earnings have declined by 47% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (9.1% average weekly change). Earnings have declined by 47% per year over the past 5 years. Minor Risk Market cap is less than US$100m (৳2.91b market cap, or US$24.3m). Upcoming Dividend • Sep 22
Upcoming dividend of ৳1.20 per share Eligible shareholders must have bought the stock before 29 September 2024. Payment date: 01 December 2024. Trailing yield: 1.0%. Lower than top quartile of Bangladeshi dividend payers (4.1%). Lower than average of industry peers (2.9%). Announcement • Aug 29
Rupali Life Insurance Company Limited, Annual General Meeting, Oct 30, 2024 Rupali Life Insurance Company Limited, Annual General Meeting, Oct 30, 2024, at 10:00 Central Asia Standard Time. Announcement • Jul 29
Rupali Life Insurance Company Limited to Report Q2, 2024 Results on Aug 05, 2024 Rupali Life Insurance Company Limited announced that they will report Q2, 2024 results on Aug 05, 2024 New Risk • Mar 30
New major risk - Financial data availability The company has not reported any financial data. This is considered a major risk. With no or incomplete audited reported financial data, it is virtually impossible to assess the company's investment potential. Currently, the following risks have been identified for the company: Major Risk No financial data reported. Minor Risk Market cap is less than US$100m (৳4.23b market cap, or US$38.4m). Valuation Update With 7 Day Price Move • Feb 29
Investor sentiment improves as stock rises 16% After last week's 16% share price gain to ৳134, the stock trades at a trailing P/E ratio of 24.4x. Average trailing P/E is 23x in the Insurance industry in Bangladesh. Total returns to shareholders of 200% over the past three years. New Risk • Jan 22
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of Bangladeshi stocks, typically moving 5.3% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Revenue has declined by 0.2% over the past year. Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (5.3% average weekly change). Market cap is less than US$100m (৳3.93b market cap, or US$35.9m). Announcement • Oct 20
Rupali Life Insurance Company Limited to Report Q3, 2023 Results on Oct 26, 2023 Rupali Life Insurance Company Limited announced that they will report Q3, 2023 results on Oct 26, 2023 New Risk • Oct 01
New major risk - Revenue and earnings growth Revenue has declined by 0.2% over the past year. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If revenues are declining, then it is difficult for the company to prevent its earnings from declining as well. A trend of falling revenue can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (9.0% average weekly change). Revenue has declined by 0.2% over the past year. Minor Risk Market cap is less than US$100m (৳3.46b market cap, or US$31.4m). Upcoming Dividend • Aug 13
Upcoming dividend of ৳1.10 per share at 1.0% yield Eligible shareholders must have bought the stock before 20 August 2023. Payment date: 26 October 2023. Trailing yield: 1.0%. Lower than top quartile of Bangladeshi dividend payers (3.5%). Lower than average of industry peers (2.5%). Reported Earnings • Jul 27
Third quarter 2022 earnings released: ৳6.03 loss per share (vs ৳6.77 loss in 3Q 2021) Third quarter 2022 results: ৳6.03 loss per share (improved from ৳6.77 loss in 3Q 2021). Revenue: ৳476.9m (down 11% from 3Q 2021). Net loss: ৳181.0m (loss narrowed 11% from 3Q 2021). Over the last 3 years on average, earnings per share has fallen by 32% per year but the company’s share price has increased by 39% per year, which means it is well ahead of earnings. Valuation Update With 7 Day Price Move • Jul 18
Investor sentiment deteriorates as stock falls 24% After last week's 24% share price decline to ৳171, the stock trades at a trailing P/E ratio of 31x. Average trailing P/E is 21x in the Insurance industry in Bangladesh. Total returns to shareholders of 336% over the past three years. Announcement • Jul 14
Rupali Life Insurance Company Limited to Report Q2, 2023 Results on Jul 23, 2023 Rupali Life Insurance Company Limited announced that they will report Q2, 2023 results on Jul 23, 2023 Valuation Update With 7 Day Price Move • Jun 15
Investor sentiment deteriorates as stock falls 21% After last week's 21% share price decline to ৳189, the stock trades at a trailing P/E ratio of 34.4x. Average trailing P/E is 20x in the Insurance industry in Bangladesh. Total returns to shareholders of 436% over the past three years. New Risk • Jun 14
New minor risk - Financial data availability The company's latest financial reports are more than 6 months old. Last reported fiscal period ended September 2022. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (10% average weekly change). Minor Risks Latest financial reports are more than 6 months old (reported September 2022 fiscal period end). Market cap is less than US$100m (৳6.03b market cap, or US$55.6m). Valuation Update With 7 Day Price Move • May 16
Investor sentiment improves as stock rises 15% After last week's 15% share price gain to ৳107, the stock trades at a trailing P/E ratio of 19.5x. Average trailing P/E is 17x in the Insurance industry in Bangladesh. Total returns to shareholders of 73% over the past year. Valuation Update With 7 Day Price Move • Mar 24
Investor sentiment deteriorates as stock falls 15% After last week's 15% share price decline to ৳89.70, the stock trades at a trailing P/E ratio of 16.3x. Average trailing P/E is 16x in the Insurance industry in Bangladesh. Total returns to shareholders of 154% over the past three years. Valuation Update With 7 Day Price Move • Mar 08
Investor sentiment improves as stock rises 16% After last week's 16% share price gain to ৳106, the stock trades at a trailing P/E ratio of 19.3x. Average trailing P/E is 17x in the Insurance industry in Bangladesh. Total returns to shareholders of 168% over the past three years. Reported Earnings • Dec 15
Third quarter 2022 earnings released: ৳6.03 loss per share (vs ৳6.77 loss in 3Q 2021) Third quarter 2022 results: ৳6.03 loss per share (improved from ৳6.77 loss in 3Q 2021). Revenue: ৳476.9m (down 11% from 3Q 2021). Net loss: ৳181.0m (loss narrowed 11% from 3Q 2021). Over the last 3 years on average, earnings per share has fallen by 32% per year but the company’s share price has increased by 18% per year, which means it is well ahead of earnings. Board Change • Nov 16
Less than half of directors are independent No new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 8 experienced directors. 4 highly experienced directors. 2 independent directors (10 non-independent directors). Independent Director Md. Bari was the last independent director to join the board, commencing their role in 2016. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. Valuation Update With 7 Day Price Move • Nov 03
Investor sentiment improved over the past week After last week's 16% share price gain to ৳82.50, the stock trades at a trailing P/E ratio of 17.3x. Average trailing P/E is 18x in the Insurance industry in Bangladesh. Total returns to shareholders of 100% over the past three years. Upcoming Dividend • Aug 14
Upcoming dividend of ৳1.80 per share Eligible shareholders must have bought the stock before 21 August 2022. Payment date: 18 October 2022. Payout ratio is a comfortable 27% but the company is not cash flow positive. Trailing yield: 2.0%. Lower than top quartile of Bangladeshi dividend payers (3.9%). Lower than average of industry peers (2.8%). Reported Earnings • Jul 16
First quarter 2022 earnings released: ৳6.14 loss per share (vs ৳4.50 loss in 1Q 2021) First quarter 2022 results: ৳6.14 loss per share (down from ৳4.50 loss in 1Q 2021). Revenue: ৳618.9m (up 12% from 1Q 2021). Net loss: ৳184.3m (loss widened 37% from 1Q 2021). Over the last 3 years on average, earnings per share has fallen by 10% per year but the company’s share price has increased by 8% per year, which means it is well ahead of earnings. Announcement • Jul 08
Rupali Life Insurance Company Limited Recommends Cash Dividend for the Year Ended December 31, 2021 Rupali Life Insurance Company Limited Board of Directors has recommended 18% cash dividend for the year ended December 31, 2021. Record Date: 17 August 2022. Board Change • Apr 27
Less than half of directors are independent No new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 8 experienced directors. 4 highly experienced directors. 2 independent directors (10 non-independent directors). Independent Director Md. Bari was the last independent director to join the board, commencing their role in 2016. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Insufficient board refreshment. Buying Opportunity • Mar 29
Now 21% undervalued Over the last 90 days, the stock is up 26%. The fair value is estimated to be ৳95.79, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 6.1% per annum over the last 3 years. Earnings per share has grown by 9.8% per annum over the last 3 years. Reported Earnings • Feb 17
Third quarter 2021 earnings: Revenues and EPS in line with analyst expectations Third quarter 2021 results: ৳6.77 loss per share (up from ৳7.94 loss in 3Q 2020). Revenue: ৳531.9m (down 6.2% from 3Q 2020). Net loss: ৳203.2m (loss narrowed 15% from 3Q 2020). Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has increased by 10% per year but the company’s share price has fallen by 11% per year, which means it is significantly lagging earnings. Valuation Update With 7 Day Price Move • Feb 06
Investor sentiment improved over the past week After last week's 17% share price gain to ৳81.50, the stock trades at a trailing P/E ratio of 14.8x. Average trailing P/E is 26x in the Insurance industry in Bangladesh. Total loss to shareholders of 12% over the past three years. Valuation Update With 7 Day Price Move • Feb 06
Investor sentiment improved over the past week After last week's 17% share price gain to ৳81.50, the stock trades at a trailing P/E ratio of 14.8x. Average trailing P/E is 26x in the Insurance industry in Bangladesh. Total loss to shareholders of 12% over the past three years. Buying Opportunity • Feb 04
Now 20% undervalued Over the last 90 days, the stock is up 19%. The fair value is estimated to be ৳98.77, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.8% per annum over the last 3 years. The company has become profitable over the last 3 years. Valuation Update With 7 Day Price Move • Jan 04
Investor sentiment improved over the past week After last week's 16% share price gain to ৳69.70, the stock trades at a trailing P/E ratio of 12.6x. Average trailing P/E is 25x in the Insurance industry in Bangladesh. Total loss to shareholders of 17% over the past three years. Upcoming Dividend • Sep 19
Inaugural dividend of ৳1.30 per share Eligible shareholders must have bought the stock before 26 September 2021. Payment date: 28 November 2021. The company last paid an ordinary dividend in September 2018. The average dividend yield among industry peers is 1.7%. Is New 90 Day High Low • Feb 23
New 90-day low: ৳47.10 The company is down 20% from its price of ৳58.80 on 25 November 2020. The Bangladeshi market is up 15% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Insurance industry, which is down 6.0% over the same period. Is New 90 Day High Low • Feb 01
New 90-day low: ৳52.30 The company is down 6.0% from its price of ৳55.40 on 03 November 2020. The Bangladeshi market is up 17% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Insurance industry, which is flat over the same period. Valuation Update With 7 Day Price Move • Nov 16
Market bids up stock over the past week After last week's 20% share price gain to ৳63.30, the stock is trading at a trailing P/E ratio of 6.7x, up from the previous P/E ratio of 5.5x. This compares to an average P/E of 25x in the Insurance industry in Bangladesh. Total returns to shareholders over the past three years are 100%. Announcement • Nov 04
Rupali Life Insurance Company Limited Elects Mahfuzur Rahman as the Chairman and Razia Sultana as the Vice Chairmen Rupali Life Insurance Company Limited announced that the Board of Directors has elected Mr. Mahfuzur Rahman M.P as the Chairman and Mrs. Razia Sultana as the Vice Chairman of the Company. Upcoming Dividend • Sep 27
Upcoming Dividend of ৳1.20 Per Share Will be paid on the 29th of November to those who are registered shareholders by the 4th of October. The trailing yield of 1.1% is below the top quartile of Bangladeshi dividend payers (4.0%), and is lower than industry peers (2.3%). Is New 90 Day High Low • Sep 20
New 90-day high: ৳59.90 The company is up 53% from its price of ৳39.10 on 17 June 2020. The Bangladeshi market is up 29% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Insurance industry, which is up 39% over the same period.