PSX:AGIC 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
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
Premiums & Annuity Revenue	3,807	3,403	2,850	2,427	2,173
Total Interest & Dividend Income	747.46	507.96	459.04	338.07	266.52
Gain (Loss) on Sale of Investments	-	218.5	48.9	-34.54	9.12
Other Revenue	380.47	93.66	70.07	51.64	38.46
Total Revenue	4,935	4,223	3,428	2,782	2,487
Revenue Growth (YoY)	16.87%	23.18%	23.22%	11.87%	13.99%
Policy Benefits	2,684	2,335	1,794	1,548	1,377
Policy Acquisition & Underwriting Costs	-81.12	480.48	416.81	308.15	299.49
Selling, General & Administrative	957.22	1,065	1,015	839.54	758.68
Other Operating Expenses	138.97	-292.45	-211.81	-160.81	-158.42
Reinsurance Income or Expense	-	451.47	370.47	320.71	304.19
Total Operating Expenses	3,699	3,136	2,644	2,214	1,973
Operating Income	1,236	1,087	784.65	567.76	514.32
Interest Expense	-49.27	-22.12	-23.31	-25.61	-13.39
Other Non Operating Income (Expenses)	-	8.23	6.57	5.55	1.97
EBT Excluding Unusual Items	1,187	1,073	767.92	547.7	502.9
Gain (Loss) on Sale of Assets	-	0.34	3.02	2.16	2.56
Pretax Income	1,187	1,073	770.93	549.86	505.46
Income Tax Expense	448.68	407.54	342.58	194.77	138.05
Net Income	738.3	665.48	428.36	355.09	367.41
Net Income to Common	738.3	665.48	428.36	355.09	367.41
Net Income Growth	10.94%	55.36%	20.63%	-3.36%	-7.33%
Shares Outstanding (Basic)	80	72	72	72	72
Shares Outstanding (Diluted)	80	72	72	72	72
Shares Change (YoY)	11.25%	-	-	-	-
EPS (Basic)	9.23	9.26	5.96	4.94	5.11
EPS (Diluted)	9.23	9.26	5.96	4.94	5.11
EPS Growth	-0.27%	55.36%	20.63%	-3.36%	-7.33%
Free Cash Flow	-746.13	-429.28	221.19	422.58	240.7
Free Cash Flow Per Share	-9.33	-5.97	3.08	5.88	3.35
Dividend Per Share	-	4.500	3.250	2.900	2.750
Dividend Growth	-	38.46%	12.07%	5.46%	-
Operating Margin	25.05%	25.73%	22.89%	20.41%	20.68%
Profit Margin	14.96%	15.76%	12.50%	12.76%	14.77%
Free Cash Flow Margin	-15.12%	-10.17%	6.45%	15.19%	9.68%
EBITDA	1,296	1,123	823.86	601.86	546.09
EBITDA Margin	26.26%	26.59%	24.03%	21.63%	21.96%
D&A For EBITDA	59.76	36.22	39.21	34.11	31.78
EBIT	1,236	1,087	784.65	567.76	514.32
EBIT Margin	25.05%	25.73%	22.89%	20.41%	20.68%
Effective Tax Rate	37.80%	37.98%	44.44%	35.42%	27.31%

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