Pioneer Insurance PLC (DSE:PIONEERINS)

Pioneer Insurance Cash Flow Statement

Financials in millions BDT. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	434.47	468.67	486.05	515.43	586.64	532.67
Depreciation & Amortization	43.81	26.2	27.34	26.67	17.53	20.46
Gain (Loss) on Sale of Assets	-	-	-	-	-0.13	-
Change in Income Taxes	-292.33	-187.93	-165.84	-250.28	-243.38	-
Change in Insurance Reserves / Liabilities	-1.46	-57.18	-50.94	-3.7	-48.62	-
Change in Other Net Operating Assets	-772.91	-501.21	-696.42	150.11	99.72	-
Other Operating Activities	986.85	162.59	195.18	203.05	254.23	-146
Operating Cash Flow	398.42	-88.85	-204.63	641.28	665.99	407.13
Operating Cash Flow Growth	-	-	-	-3.71%	63.58%	6.20%
Capital Expenditures	-14.27	-18.7	-13.62	-45.27	-16.43	-3.45
Sale of Property, Plant & Equipment	12.38	12.38	3.97	13.5	7.74	-
Investment in Securities	3.24	21.09	-4.06	-173.23	-163.3	-
Investing Cash Flow	1.35	14.77	-13.71	-205	-171.99	-3.45
Common Dividends Paid	-244.5	-177.82	-211.69	-192.45	-139.96	-139.96
Financing Cash Flow	-244.5	-177.82	-211.69	-192.45	-139.96	-139.96
Net Cash Flow	155.27	-251.9	-430.03	243.83	354.04	263.72
Free Cash Flow	384.15	-107.55	-218.25	596	649.56	403.68
Free Cash Flow Growth	-	-	-	-8.24%	60.91%	9.32%
Free Cash Flow Margin	18.54%	-5.39%	-11.01%	30.21%	35.80%	21.68%
Free Cash Flow Per Share	3.93	-1.10	-2.23	6.09	6.64	4.13
Cash Income Tax Paid	124.41	187.93	165.84	250.28	243.38	94.96
Levered Free Cash Flow	283.86	-97.06	-333.76	551.82	520.5	500.64
Unlevered Free Cash Flow	283.86	-97.06	-333.76	551.82	520.5	500.64
Change in Working Capital	-1,067	-746.31	-913.19	-103.88	-192.27	-

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.