Habib Insurance Company Limited (PSX:HICL)
Pakistan
· Delayed Price · Currency is PKR 10.26
-0.34 (-3.21%)
At close: Apr 28, 2026
Habib Insurance Company Income Statement
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2016 |
|---|---|---|---|---|---|---|
Period Ending | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | 2020 - 2016 |
| Premiums & Annuity Revenue | 1,703 | 1,488 | 1,509 | 1,228 | 805.99 | Upgrade
|
| Total Interest & Dividend Income | 317.3 | 311.63 | 296.16 | 183.47 | 116.14 | Upgrade
|
| Gain (Loss) on Sale of Investments | 115.98 | 195.57 | 38.35 | -49.6 | 27.96 | Upgrade
|
| Other Revenue | 10.18 | 97.04 | 47.96 | 16.92 | 12.86 | Upgrade
|
| Total Revenue | 2,146 | 2,092 | 1,891 | 1,379 | 962.95 | Upgrade
|
| Revenue Growth (YoY) | 2.58% | 10.64% | 37.14% | 43.20% | 14.77% | Upgrade
|
| Policy Benefits | 1,071 | 934.29 | 951.9 | 627.31 | 380.26 | Upgrade
|
| Policy Acquisition & Underwriting Costs | 543.55 | 499.55 | 442.46 | 346.82 | 237.55 | Upgrade
|
| Selling, General & Administrative | 912.25 | 877.04 | 814.9 | 727.08 | 518.13 | Upgrade
|
| Other Operating Expenses | -182.84 | -163.01 | -139.11 | -56.09 | -14.57 | Upgrade
|
| Reinsurance Income or Expense | 372.92 | 414.29 | 351.03 | 391.54 | 258.84 | Upgrade
|
| Total Operating Expenses | 1,971 | 1,734 | 1,719 | 1,254 | 862.53 | Upgrade
|
| Operating Income | 175.04 | 358.61 | 171.9 | 125.34 | 100.42 | Upgrade
|
| Interest Expense | -6.07 | -8.08 | -9.12 | -3.28 | -10.92 | Upgrade
|
| Other Non Operating Income (Expenses) | - | - | -3.2 | -3.2 | -3.2 | Upgrade
|
| EBT Excluding Unusual Items | 168.96 | 350.53 | 159.58 | 118.86 | 86.3 | Upgrade
|
| Gain (Loss) on Sale of Assets | 0.08 | 0.8 | 0.16 | 2.08 | 61.36 | Upgrade
|
| Other Unusual Items | - | 24.21 | - | 20.26 | - | Upgrade
|
| Pretax Income | 169.04 | 375.55 | 159.74 | 141.2 | 147.66 | Upgrade
|
| Income Tax Expense | 51.01 | 138.7 | 46.96 | 30.11 | 40.63 | Upgrade
|
| Net Income | 118.03 | 236.85 | 112.78 | 111.09 | 107.02 | Upgrade
|
| Net Income to Common | 118.03 | 236.85 | 112.78 | 111.09 | 107.02 | Upgrade
|
| Net Income Growth | -50.17% | 110.01% | 1.52% | 3.80% | 73.56% | Upgrade
|
| Shares Outstanding (Basic) | 124 | 124 | 124 | 124 | 124 | Upgrade
|
| Shares Outstanding (Diluted) | 124 | 124 | 124 | 124 | 124 | Upgrade
|
| EPS (Basic) | 0.95 | 1.91 | 0.91 | 0.90 | 0.86 | Upgrade
|
| EPS (Diluted) | 0.95 | 1.91 | 0.91 | 0.90 | 0.86 | Upgrade
|
| EPS Growth | -50.17% | 110.01% | 1.52% | 3.80% | 73.56% | Upgrade
|
| Free Cash Flow | -182.38 | -227.67 | -635.64 | 569.19 | -51.3 | Upgrade
|
| Free Cash Flow Per Share | -1.47 | -1.84 | -5.13 | 4.59 | -0.41 | Upgrade
|
| Dividend Per Share | 0.625 | 1.000 | 0.625 | 0.625 | 0.625 | Upgrade
|
| Dividend Growth | -37.50% | 60.00% | - | - | 25.00% | Upgrade
|
| Operating Margin | 8.15% | 17.14% | 9.09% | 9.09% | 10.43% | Upgrade
|
| Profit Margin | 5.50% | 11.32% | 5.96% | 8.06% | 11.11% | Upgrade
|
| Free Cash Flow Margin | -8.50% | -10.88% | -33.61% | 41.28% | -5.33% | Upgrade
|
| EBITDA | 191.18 | 374.34 | 184.17 | 133.93 | 124.21 | Upgrade
|
| EBITDA Margin | 8.91% | 17.89% | 9.74% | 9.71% | 12.90% | Upgrade
|
| D&A For EBITDA | 16.14 | 15.73 | 12.27 | 8.59 | 23.79 | Upgrade
|
| EBIT | 175.04 | 358.61 | 171.9 | 125.34 | 100.42 | Upgrade
|
| EBIT Margin | 8.15% | 17.14% | 9.09% | 9.09% | 10.43% | Upgrade
|
| Effective Tax Rate | 30.18% | 36.93% | 29.40% | 21.32% | 27.52% | Upgrade
|
Source: S&P Capital IQ. Insurance template. Financial Sources.