PSX:AGIC Cash Flow Statement

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	764.97	665.48	428.36	355.09	367.41	396.48
Depreciation & Amortization	136.38	103.5	106.8	97.44	83.27	84.57
Other Amortization	7.17	3.93	3.75	0.9	0.34	0.15
Gain (Loss) on Sale of Assets	12.68	-0.39	-3.02	-2.16	-2.56	-1.76
Gain (Loss) on Sale of Investments	-107.42	-80.85	-29.84	33.36	-0.55	-11.55
Change in Other Net Operating Assets	-502.16	-341.25	280.78	291.97	128.19	27.92
Other Operating Activities	-805.15	-679.67	-491.11	-318	-316.42	-293.39
Operating Cash Flow	-493.53	-329.26	295.72	458.6	259.67	202.41
Operating Cash Flow Growth	-	-	-35.52%	76.61%	28.29%	-64.44%
Capital Expenditures	-688.43	-100.02	-74.53	-36.02	-18.97	-6.73
Sale of Property, Plant & Equipment	5.95	4.93	5.75	2.29	3.2	3.37
Investment in Securities	1,172	477.85	-389.2	-342.64	-221.99	-321.44
Other Investing Activities	298	495.39	412.35	296.39	235.18	269.65
Investing Cash Flow	787.06	878.14	-45.63	-79.98	-2.57	-55.15
Total Debt Repaid	-9.29	-52.25	-11.98	-68.64	-78.25	-66.84
Net Debt Issued (Repaid)	-9.29	-52.25	-11.98	-68.64	-78.25	-66.84
Common Dividends Paid	-346.49	-363.64	-203.79	-198.99	-195.86	-177.81
Other Financing Activities	-38.36	-15.87	-12.28	-16.62	-14.39	-16.62
Financing Cash Flow	-394.14	-431.76	-228.04	-284.25	-288.5	-261.27
Miscellaneous Cash Flow Adjustments	-	-	-	-	-0	-
Net Cash Flow	-100.62	117.12	22.05	94.37	-31.41	-114.02
Free Cash Flow	-1,182	-429.28	221.19	422.58	240.7	195.68
Free Cash Flow Growth	-	-	-47.66%	75.56%	23.01%	-62.92%
Free Cash Flow Margin	-26.30%	-10.17%	6.45%	15.19%	9.68%	8.97%
Free Cash Flow Per Share	-16.44	-5.97	3.08	5.88	3.35	2.72
Cash Interest Paid	35.47	22.02	23.31	25.61	13.39	17
Cash Income Tax Paid	467.38	331.65	278.85	142.07	149.31	145.32
Levered Free Cash Flow	670.47	187.78	781.86	618.26	402.26	1,003
Unlevered Free Cash Flow	692.71	201.61	796.43	634.26	410.62	1,014
Change in Working Capital	-502.16	-341.25	280.78	291.97	128.19	27.92

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