Adamjee Insurance Company Limited (PSX:AICL)
Pakistan · Delayed Price · Currency is PKR 108.37
-2.78 (-2.50%)
At close: Jan 30, 2026
Adamjee Insurance Company Income 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 |
Premiums & Annuity Revenue | 71,809 | 57,231 | 41,977 | 37,266 | 32,651 | 29,809 |
Total Interest & Dividend Income | 17,478 | 19,637 | 15,861 | 8,048 | 5,639 | 3,870 |
Gain (Loss) on Sale of Investments | 14,705 | 11,338 | 5,134 | -3,172 | -423.46 | 1,285 |
Other Revenue | 1,048 | 1,164 | 1,382 | 918.43 | 488.13 | 470.43 |
| 105,040 | 89,370 | 64,353 | 43,061 | 38,355 | 35,434 | |
Revenue Growth (YoY) | 32.03% | 38.87% | 49.45% | 12.27% | 8.24% | 8.12% |
Policy Benefits | 78,365 | 67,320 | 48,500 | 30,456 | 25,800 | 24,763 |
Policy Acquisition & Underwriting Costs | 8,537 | 6,490 | 4,691 | 4,317 | 4,071 | 4,099 |
Amortization of Goodwill & Intangibles | 31.11 | 31.11 | 22.77 | 23.68 | 0.05 | 0.19 |
Depreciation & Amortization | 46.04 | 46.04 | 38.61 | 34.85 | 38.63 | 23.38 |
Selling, General & Administrative | 8,431 | 7,208 | 6,320 | 5,186 | 4,708 | 4,359 |
Other Operating Expenses | -653.12 | -563 | -552.01 | -485.57 | -310.27 | -299.9 |
Total Operating Expenses | 95,417 | 81,193 | 59,679 | 40,314 | 34,742 | 33,260 |
Operating Income | 9,623 | 8,178 | 4,674 | 2,747 | 3,613 | 2,174 |
Interest Expense | -25.96 | -19.95 | -12.03 | -51.89 | -62.14 | -21.04 |
Currency Exchange Gain (Loss) | 0.37 | 0.37 | 19.71 | 7.4 | 2.76 | 12.33 |
Other Non Operating Income (Expenses) | 62.39 | 62.39 | 28.88 | 48.28 | 17.85 | 14.17 |
EBT Excluding Unusual Items | 9,660 | 8,220 | 4,711 | 2,751 | 3,572 | 2,180 |
Gain (Loss) on Sale of Assets | 34.55 | 34.55 | 25.82 | 12.38 | 23.8 | 72.04 |
Asset Writedown | 337.95 | 337.95 | 263.79 | 497.7 | 674.14 | -21 |
Pretax Income | 10,032 | 8,593 | 5,000 | 3,261 | 4,270 | 2,231 |
Income Tax Expense | 4,163 | 3,640 | 2,283 | 874.8 | 1,326 | 153.86 |
Earnings From Continuing Ops. | 5,869 | 4,953 | 2,717 | 2,386 | 2,944 | 2,077 |
Minority Interest in Earnings | -162.71 | -155.43 | -90.81 | -45.19 | - | -2.79 |
Net Income | 5,706 | 4,797 | 2,626 | 2,341 | 2,944 | 2,074 |
Net Income to Common | 5,706 | 4,797 | 2,626 | 2,341 | 2,944 | 2,074 |
Net Income Growth | 43.59% | 82.68% | 12.17% | -20.47% | 41.93% | 5.17% |
Shares Outstanding (Basic) | 350 | 350 | 350 | 350 | 350 | 350 |
Shares Outstanding (Diluted) | 350 | 350 | 350 | 350 | 350 | 350 |
EPS (Basic) | 16.30 | 13.71 | 7.50 | 6.69 | 8.41 | 5.93 |
EPS (Diluted) | 16.30 | 13.71 | 7.50 | 6.69 | 8.41 | 5.93 |
EPS Growth | 43.59% | 82.68% | 12.17% | -20.47% | 41.93% | 5.17% |
Free Cash Flow | 10,935 | 8,720 | -3,802 | 3,790 | 7,717 | 5,854 |
Free Cash Flow Per Share | 31.24 | 24.91 | -10.86 | 10.83 | 22.05 | 16.73 |
Dividend Per Share | 3.500 | 3.000 | 3.000 | 3.000 | 3.000 | 2.500 |
Dividend Growth | 16.67% | - | - | - | 20.00% | - |
Operating Margin | 9.16% | 9.15% | 7.26% | 6.38% | 9.42% | 6.14% |
Profit Margin | 5.43% | 5.37% | 4.08% | 5.44% | 7.67% | 5.85% |
Free Cash Flow Margin | 10.41% | 9.76% | -5.91% | 8.80% | 20.12% | 16.52% |
EBITDA | 10,019 | 8,475 | 4,976 | 3,036 | 3,894 | 2,505 |
EBITDA Margin | 9.54% | 9.48% | 7.73% | 7.05% | 10.15% | 7.07% |
D&A For EBITDA | 396.07 | 297.74 | 301.68 | 288.83 | 280.1 | 331.37 |
EBIT | 9,623 | 8,178 | 4,674 | 2,747 | 3,613 | 2,174 |
EBIT Margin | 9.16% | 9.15% | 7.26% | 6.38% | 9.42% | 6.14% |
Effective Tax Rate | 41.50% | 42.36% | 45.66% | 26.82% | 31.06% | 6.90% |
Source: S&P Global Market Intelligence. Insurance template. Financial Sources.