Pioneer Insurance Cash Flow Statement

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

Millions BDT. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Net Income	479.92	446.53	468.67	486.05	515.43	586.64
Depreciation & Amortization	28.95	23.05	26.2	27.34	26.67	17.53
Gain (Loss) on Sale of Assets	-	-	-	-	-	-0.13
Change in Income Taxes	-184.41	-124.41	-187.93	-165.84	-250.28	-243.38
Change in Insurance Reserves / Liabilities	312.43	297.43	-57.18	-50.94	-3.7	-48.62
Change in Other Net Operating Assets	-637.81	-479.1	-501.21	-696.42	150.11	99.72
Other Operating Activities	361.76	138.92	162.59	195.18	203.05	254.23
Operating Cash Flow	360.85	302.42	-88.85	-204.63	641.28	665.99
Operating Cash Flow Growth	-27.21%	-	-	-	-3.71%	63.58%
Capital Expenditures	-17.67	-16.95	-18.7	-13.62	-45.27	-16.43
Sale of Property, Plant & Equipment	3.69	3.69	12.38	3.97	13.5	7.74
Investment in Securities	-7.86	0.52	21.09	-4.06	-173.23	-163.3
Other Investing Activities	-14.62	-14.62	-	-	-	-
Investing Cash Flow	-36.47	-27.36	14.77	-13.71	-205	-171.99
Common Dividends Paid	-244.5	-244.5	-177.82	-211.69	-192.45	-139.96
Financing Cash Flow	-244.5	-244.5	-177.82	-211.69	-192.45	-139.96
Net Cash Flow	79.88	30.56	-251.9	-430.03	243.83	354.04
Free Cash Flow	343.18	285.47	-107.55	-218.25	596	649.56
Free Cash Flow Growth	-28.57%	-	-	-	-8.24%	60.91%
Free Cash Flow Margin	14.94%	11.79%	-5.39%	-11.01%	30.21%	35.80%
Free Cash Flow Per Share	3.34	2.78	-1.05	-2.13	5.80	6.33
Cash Income Tax Paid	134.41	124.41	187.93	165.84	250.28	243.38
Levered Free Cash Flow	146.52	133.53	-60.71	-333.76	551.82	520.5
Unlevered Free Cash Flow	146.52	133.53	-60.71	-333.76	551.82	520.5
Change in Working Capital	-509.78	-306.08	-746.31	-913.19	-103.88	-192.27