Habib Insurance Company Cash Flow 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
Net Income	118.03	236.85	112.78	111.09	107.02	Upgrade
Depreciation & Amortization	29.95	30.73	26.64	18.41	33.05	Upgrade
Other Amortization	2.9	1.14	0.21	0.22	1	Upgrade
Gain (Loss) on Sale of Assets	-0.08	-0.8	-0.16	-2.08	-61.36	Upgrade
Gain (Loss) on Sale of Investments	-115.98	-195.57	-38.35	49.6	-27.96	Upgrade
Change in Other Net Operating Assets	114.93	52.79	-309.77	600.48	14.19	Upgrade
Other Operating Activities	-302.8	-319.11	-367.41	-198.77	-95	Upgrade
Operating Cash Flow	-153.05	-193.97	-576.07	578.94	-27.39	Upgrade
Capital Expenditures	-29.33	-33.7	-59.57	-9.76	-23.91	Upgrade
Sale of Property, Plant & Equipment	0.68	1.45	0.81	5.63	162.49	Upgrade
Investment in Securities	-221.37	-254.33	589.35	-456.83	-184.24	Upgrade
Other Investing Activities	279.63	351.45	307.76	183.8	127.95	Upgrade
Investing Cash Flow	29.6	64.87	838.35	-277.16	82.28	Upgrade
Total Debt Repaid	-22.3	-16.32	-21.13	-8.93	-85.17	Upgrade
Net Debt Issued (Repaid)	-22.3	-16.32	-21.13	-8.93	-85.17	Upgrade
Common Dividends Paid	-120.71	-75.35	-76.03	-75.17	-60.7	Upgrade
Financing Cash Flow	-143.01	-91.66	-97.16	-84.11	-145.87	Upgrade
Net Cash Flow	-266.46	-220.77	165.13	217.68	-90.98	Upgrade
Free Cash Flow	-182.38	-227.67	-635.64	569.19	-51.3	Upgrade
Free Cash Flow Margin	-8.50%	-10.88%	-33.61%	41.28%	-5.33%	Upgrade
Free Cash Flow Per Share	-1.47	-1.84	-5.13	4.59	-0.41	Upgrade
Cash Income Tax Paid	92.67	92.71	38.87	43.47	51.09	Upgrade
Levered Free Cash Flow	175.71	331.13	-150.02	729.64	87.39	Upgrade
Unlevered Free Cash Flow	179.51	336.18	-144.32	731.69	94.22	Upgrade
Change in Working Capital	114.93	52.79	-309.77	600.48	14.19	Upgrade

Source: S&P Capital IQ. Insurance template. Financial Sources.