Crescent Star Insurance Limited (CSIL) financial ratios

Crescent Star Insurance Limited earned a net margin of 10.0% in FY2025 against a five-year average of 12.1% (Insurance median 11.2%). Return on equity was 1.8%, compared with a sector median of 14.1%.

FY2025 vs the Insurance median

Net margin: 10.0%; Sector median 11.2%
Return on equity (ROE): 1.8%; Sector median 14.1%
Return on assets (ROA): 1.4%; Sector median 3.5%
Dividend payout ratio: 0.0%; Sector median 0.0%

Median of the 29 companies in the sector with the figure for their latest fiscal year.

CSIL financial ratios (annual) (Rs mn)
Rs mn	FY2025 Jan – Dec 2025	FY2024 * Jan – Dec 2024	FY2023 Jan – Dec 2023	FY2022 * Jan – Dec 2022	FY2021 Jan – Dec 2021	FY2020 Jan – Dec 2020	FY2019 Jan – Dec 2019	FY2018 Jan – Dec 2018	FY2017 Jan – Dec 2017	FY2016 Jan – Dec 2016	FY2015 Jan – Dec 2015	FY2014 Jan – Dec 2014	FY2013 Jan – Dec 2013	FY2012 Jan – Dec 2012
Profitability
Pre-tax margin	19.1%	16.4%	7.4%	(14.3%)	38.2%	46.9%	28.1%	(117.1%)	(41.6%)	(16.9%)	36.5%	(24.1%)	3.2%	(37.9%)
Net margin	10.0%	13.2%	17.8%	(12.7%)	32.3%	38.1%	16.8%	(124.0%)	(33.8%)	(17.9%)	33.2%	(25.1%)	2.3%	(38.6%)
Effective tax rate	47.5%	19.2%	(142.6%)	—	15.4%	18.7%	40.3%	—	—	—	9.1%	—	29.1%	—
Returns
Return on equity (ROE)	1.8%	5.2%	6.8%	0.6%	5.0%	6.7%	4.5%	(18.9%)	(9.1%)	(2.6%)	18.9%	(16.2%)	1.7%	—
Return on assets (ROA)	1.4%	2.9%	4.4%	(1.4%)	2.8%	3.9%	1.8%	(18.2%)	(9.6%)	(4.8%)	11.6%	(9.7%)	0.9%	—
Leverage
Debt to equity	—	—	—	—	0.0%	0.4%	0.7%	1.0%	0.5%	0.5%	1.0%	1.6%	—	—
Debt to capital	—	—	—	—	0.0%	0.4%	0.7%	1.0%	0.5%	0.5%	1.0%	1.6%	—	—
Debt to assets	—	—	—	—	0.0%	0.2%	0.5%	0.6%	0.3%	0.3%	0.6%	1.0%	—	—
Assets to equity	1.46×	1.56×	1.64×	1.59×	1.57×	1.58×	1.58×	1.49×	1.55×	1.67×	1.64×	1.68×	1.94×	—
Dividends
Dividend payout ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—	—	—	0.0%	—	0.0%	—
Earnings retention rate	1.00×	1.00×	1.00×	1.00×	1.00×	1.00×	1.00×	—	—	—	1.00×	—	1.00×	—

Ratios as reported for each fiscal year; returns are on average equity / assets. Debt ratios are percentages; turnover in times; working-capital measures in days.

CSIL: frequently asked questions

What is CSIL's EPS?

Crescent Star Insurance Limited reported basic earnings per share of Rs 0.13 for FY2025 (Jan – Dec 2025). Over the trailing twelve months (TTM to Jun 2026) EPS was Rs -0.40.

Does CSIL pay dividends?

Crescent Star Insurance Limited did not declare a cash dividend for FY2025.

What was CSIL's total income and profit in FY2025?

Crescent Star Insurance Limited reported total income of Rs 166.0 mn and profit attributable to shareholders of Rs 17.3 mn for FY2025 (Jan – Dec 2025).

What is CSIL's book value per share?

Crescent Star Insurance Limited's book value per share was Rs 7.32 at the end of FY2025. The shares trade at 0.83× book value.

Information only, not investment advice.