DSE/PIONEERINS (DSE/PIONEERINS)

Dhaka Stock Exchange: DSE/PIONEERINS · BDT

BDT 65.2

+0.20 (+0.3%)· Recorded snapshot

Market cap	6.7B
Revenue (ttm)	2.5B
Net income (ttm)	569.3M
EPS (ttm)	BDT 5.35
Shares out	102.7M
P/E (trailing)	12.2x
Dividend	BDT 2.38 (3.65%)
Volume	56,847
Beta	0.37

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 2.5B
Net income (ttm): 569.3M
EPS (ttm): BDT 5.35
P/E (trailing): 12.2x
Market cap: 6.7B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 19:55 UTC

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E12.2

P25 n/aP50 n/aP75 n/a

ROE12

P25 n/aP50 n/aP75 n/a

ROIC11.7

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All DSE/PIONEERINS indicators

Market & fundamental data

Available fields

223

Groups with data

Currency

BDT

Showing 223 of 223 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	BDT
Country	Bangladesh
Country code	BD
Earnings date	2027-03-02
Employees	425
Employees change	-39
Employees growth	-8.41%
Enterprise value	BDT 5.3B
Exchange	Dhaka Stock Exchange
Financial currency	BDT
Financial report date	2026-09-30
First seen	2026-05-10
Fiscal year end	December
Founded	1996
Industry	Insurance Carriers
Is primary listing	Yes
ISIN number	BD0720PINS03
Last earnings date	2026-07-23
Last refreshed	2026-10-29
Last stock split date	2026-04-06
Last stock split type	Forward
Market cap	BDT 6.7B
Next earnings date	2027-03-02
Price	BDT 65.20
Price currency	BDT
SIC code	6300
Stock price date	2026-10-29
Symbol	dse/PIONEERINS
Website	https://www.pioneerinsurance.com.bd

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	10.61x
Average P/E ratio (3Y)	10.8x
Average P/E ratio (5Y)	11.61x
Earnings yield	8.21%
EV/Earnings	9.31x
EV/EBIT	6.72x
EV/EBITDA	6.52x
EV/FCF	10.76x
EV/Sales	2.12x
FCF / EV yield	9.3%
FCF yield	7.38%
Graham number	76.24931
Graham upside	17.31%
Lynch fair value	BDT 26.76
Lynch upside	-58.83%
P/B ratio	1.35x
P/E ratio	12.18x
P/FCF ratio	13.54x
P/OCF ratio	12.83x
P/S ratio	2.67x
Price / tangible book value	1.35x
Price/EBITDA ratio	8.21x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	31.57%
EBITDA margin	32.51%
Effective tax rate	27.41%
FCF margin	19.71%
Gross margin	45.47%
Operating margin	31.57%
Pretax margin	31.36%
Profit margin	22.77%
Profit per employee	BDT 1.2M
Revenue per employee	BDT 5.4M
ROA	7.45%
ROA (5Y)	7.38%
ROCE	15.92%
ROE	11.95%
ROE (5Y)	12.44%
ROIC	11.68%
ROIC (5Y)	12.55%
Tax / revenue	8.6%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	21.99%
EPS growth (Q)	32.22%
EPS growth (QoQ)	-14.39%
EPS growth 10Y	12.09%
EPS growth 3Y	3.99%
EPS growth 5Y	-0.73%
FCF growth	28.29%
FCF growth (QoQ)	-94.42%
FCF growth 5Y	5.3%
Net income growth	31.03%
Net income growth (Q)	31.65%
Net income growth (QoQ)	-14.53%
Net income growth 3Y	5.21%
Net income growth 5Y	-0.03%
OCF growth	30.56%
OCF growth (QoQ)	-86.63%
OCF growth 10Y	9.41%
OCF growth 5Y	5.76%
Revenue growth	20.67%
Revenue growth (Q)	4.81%
Revenue growth (QoQ)	-38%
Revenue growth 10Y	5.74%
Revenue growth 3Y	8.45%
Revenue growth 5Y	6.61%

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	BDT -27.4M
EBIT	BDT 789.3M
EBITDA	BDT 812.9M
EPS	BDT 5.35
FCF per share	BDT 4.80
Financing cash flow	BDT -244.5M
Free cash flow	BDT 492.8M
Gross profit	BDT 1.1B
Income taxes	BDT 214.9M
Investing cash flow	BDT -251M
Net cash flow	BDT 24.7M
Net income	BDT 569.3M
Operating income	BDT 789.3M
Revenue	BDT 2.5B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	BDT 48.28
Debt / equity	0
Net cash (debt)	BDT 1.4B
Net cash / market cap	20.57%
Net cash growth	1.83%
Net debt / EBITDA	-1.69
Net debt / equity	-0.28
Net debt / FCF	-2.79
Piotroski F-Score	4
Property, plant and equipment	BDT 479.7M
Shareholders' equity	BDT 5B
Tangible book value	BDT 5B
Tangible book value per share	BDT 48.28
Total assets	BDT 7B
Total cash	BDT 3.1B
Total debt	BDT 0
Total liabilities	BDT 2B
WACC	6.28%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.38
Current ratio	3.2
Net working capital	BDT 3.1B
Quick ratio	3.2
Working capital	BDT 4.5B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-7.41%
Dividend growth	5%
Dividend growth (10Y)	9.36%
Dividend growth (3Y)	4.92%
Dividend growth (5Y)	10.77%
Dividend growth years	1
Dividend payment date	2026-05-04
Dividend payment years	14
Dividend payout frequency	Annual
Dividend per share	BDT 2.38
Dividend yield	3.65%
Ex-dividend date	2026-04-06
FCF payout ratio	52.09%
Last dividend	BDT 2.50
Payout ratio	42.95%
Shareholder yield	-3.74%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	225.54%
10Y return CAGR	17.17%
10Y total return	387.58%
150-day SMA	BDT 63.97
15Y price change	192.89%
15Y return CAGR	11.03%
15Y total return	380.54%
1D price change	0.31%
1M price change	-4.97%
1M total return	-4.97%
1W price change	-0.76%
1W total return	-0.76%
1Y price change	32.78%
1Y return CAGR	39.4%
1Y total return	39.37%
20-day SMA	BDT 65.79
200-day SMA	BDT 60.17
20Y price change	1,996.1%
20Y return CAGR	20.92%
20Y total return	4,364.05%
3M price change	-2.99%
3M total return	-2.99%
3Y price change	8.49%
3Y return CAGR	7.68%
3Y total return	24.85%
50-day SMA	BDT 66.50
50-day SMA vs 200-day SMA	50over200
52-week high	BDT 75.90
52-week high date	2026-08-17
52-week low	BDT 38.19
52-week low date	2025-11-16
5Y price change	-29.79%
5Y return CAGR	-2.9%
5Y total return	-13.7%
6M price change	-1.07%
6M total return	-1.07%
All-time high	BDT 147.06
All-time high date	2021-06-15
All-time low	BDT 2.38
All-time low date	2002-05-06
Average true range (ATR)	BDT 2.14
Average volume	240K
Beta (1Y)	0.18
Beta (2Y)	-0.04
Beta (5Y)	0.37
Change from 52-week high	-14.1%
Change from 52-week low	70.73%
Change from all-time high	-55.8%
Change from all-time low	2,635.69%
Dollar volume	BDT 3.7M
High price	BDT 66.00
Low price	BDT 64.80
Monthly RSI	59.44
Position in 52-week range	33.33%
Previous close	BDT 65.00
Price vs 150-day SMA	1.61%
Price vs 20-day SMA	-1.2%
Price vs 200-day SMA	8.03%
Price vs 50-day SMA	-2.26%
Relative volume	0.24
RSI	47.53
Sharpe ratio	1.14
Sharpe ratio (3Y)	0.26
Sharpe ratio (5Y)	-0.11
Sortino ratio	1.99
Sortino ratio (3Y)	0.6
Sortino ratio (5Y)	0.01
Volume	56.8K
Weekly RSI	98.52
YTD price change	44.29%
YTD total return	51.45%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	45.9M
Shares change (QoQ)	-0.17%
Shares change (YoY)	7.41%
Shares held by insiders	31.67%
Shares held by institutions	3.33%
Shares outstanding	102.7M

Deeper analysis on DSE/PIONEERINS

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this DSE/PIONEERINS report

Is a complete DSE/PIONEERINS research report available?

No complete published report is available for dse/PIONEERINS (DSE/PIONEERINS) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

DSE/PIONEERINS (DSE/PIONEERINS)

Price

Financial snapshot

Fair-value bridge

Latest news · DSE/PIONEERINS

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All DSE/PIONEERINS indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on DSE/PIONEERINS

Frequently asked questions