PIONEERINS

Pioneer Insurance PLC · Insurance · Cat A

4/100

High risk

৳71.6

DSE Hexagon

A mixed profile with no standout strength, held back by signs of concentrated-operator activity.

Six lenses, each scored 0–100 from the analysis. Integrity is DSE-specific — it reads how organic the price action is (high = clean, low = concentrated-operator risk). Descriptive only, not a recommendation.

Risks & rewards

Risks (2)

⚠ Signs of concentrated-operator price activity
⚠ Earnings trending down

Rewards (0)

No notable positives flagged.

Score breakdown

Price history & performance

52-week high৳72.6

52-week low৳36.4

From 52w high-1.4%

Beta1.06

7D -0.4%

1M +8.0%

3M +32.8%

6M +52.7%

1Y +98.3%

YTD +51.4%

Shareholder returns vs DSEX

PIONEERINS+1.8%

DSEX+2.4%

PIONEERINS underperformed the DSEX since Jul 8, 2026 — that's when we started tracking the index, so this window will get longer over time.

Volatility

Annualized volatility37.9%

Daily VaR (95%)-3.11%

Max drawdown (5y)-80.5%

Correlation to market0.52

Typical volatility for a DSE stock. Descriptive only — past volatility is not a forecast.

Technical read

RSI (14)61.7

MACDbullish

Bollingerinside bands (+0.9σ)

Price cycle (Wyckoff)

Health trendstable

Flow pressureaccumulation

Valuation

Fair value ()

Upside—

Dividend yield+3.50%

Fundamental verdictSUSTAINABLE

Confidence—

Ownership

Institutional holding30.4%

Foreign holding0.0%

Free float29.66%

Sponsor, institutional, foreign and public holdings from the latest disclosed shareholding pattern. Descriptive only.

Share structure

Authorized capital৳2,000mn

Paid-up capital৳1,026.91mn

Face value৳10

Market lot1

Outstanding shares102,691,491

Last AGM04-05-2026

Fiscal year end31-Dec

Reserve & surplus (ex-OCI)৳3,196.4mn

Other comprehensive income৳0mn

Financials

Recent P/E ratio

DateCurrent P/ETrailing P/E

Jul 14, 2026 10.47 14.5

Jul 13, 2026 10.53 14.58

Jul 12, 2026 10.63 14.73

Jul 9, 2026 10.57 14.64

Jul 8, 2026 10.34 14.32

Jul 7, 2026 10.46 14.48

Based on the latest un-audited financial statements. Descriptive only.

Dividend history

202525%

202425%

202320%

202225%

202125%

202020%

201920%

201815%

201715%

201615%

201515%

Earnings & NAV

YearEPSNAVDividend

2025 4.57 46.97 25%

2024 4.79 44.65 25%

2023 5.47 47.98 20%

2022 6.09 46.88 25%

Quarterly EPS — FY2026

Q11.7

Q2—

Half-year—

Q3—

Nine-month—

From disclosed annual reports and dividend declarations. Descriptive only, not a forecast.

Levels

Resistance

৳72

৳74.2

৳77.5

৳80.3

Support

৳71

৳68.1

৳65.7

৳63.2

Historical bounce zones

Aug 11, 2025: ৳41.4→৳49.8 +20%

Sep 21, 2025: ৳43→৳53.9 +25%

Oct 12, 2025: ৳49.4→৳58 +17%

Nov 23, 2025: ৳41.3→৳49.9 +21%

Dec 1, 2025: ৳45.7→৳56.7 +24%

Mar 8, 2026: ৳46.4→৳55 +19%

Apr 6, 2026: ৳47.5→৳66.6 +40%

May 19, 2026: ৳56.7→৳74 +31%

Sector peers

Other Insurance names, ranked by our analysis score (DSE has no market-cap feed). Descriptive comparison only.

ScripScorePriceUpsideYield

UNITEDINSUnited Insurance Company Ltd. 59 ৳46.9 +33.00% +3.30%PRAGATIINSPragati Insurance PLC. 53 ৳83.6 +14.00% +3.20%CITYGENINSCity Insurance PLC. 53 ৳107.1 -43.00% +0.90%REPUBLICRepublic Insurance PLC. 49 ৳41.8 -19.00% +2.50%CENTRALINSCentral Insurance PLC. 41 ৳45.7 -26.00% +2.80%ISLAMIINSIslami Insurance Bangladesh Limited 40 ৳64.1 -4.00% +3.10%

Historical outlook

Based on how similar setups behaved historically — not a prediction of what will happen.

10-day 29% vs 40% market avg Typical move: -5% / -1.2% / 3.6%

30-day 31% vs 42% market avg Typical move: -8.7% / -1.7% / 6.7%

Signals: Bearish Engulfing

Reference levels

Descriptive reference points from the analysis — not instructions to buy or sell.

Entry readAVOID (dormant/dirty)

Reference stopn/a

Reference target—

Timing notestay out

strong artificial activity (score 278); speculative profile — not core-quality. Phase: DORMANT (34% >200-MA, flow neut) -> watch. Elevated sharp-fall risk 12%. ⚠ PAPER-PROFIT — reports profit but NEGATIVE cash flow (accrual red flag; earnings not real cash). [fundamentals SUSTAINABLE, payout 55.0%, yield 3.5%]