Adamjee Insurance Company Limited (PSX:AICL)
Pakistan · Delayed Price · Currency is PKR 94.37
-0.37 (-0.39%)
At close: Nov 2, 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 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Premiums & Annuity Revenue | 81,072 | 74,942 | 57,231 | 41,977 | 37,266 | 32,651 |
Total Interest & Dividend Income | 12,907 | 17,182 | 19,637 | 15,861 | 8,048 | 5,639 |
Gain (Loss) on Sale of Investments | 3,818 | 9,584 | 11,338 | 5,134 | -3,172 | -423.46 |
Other Revenue | 1,029 | 759.64 | 1,164 | 1,382 | 918.43 | 488.13 |
| 98,826 | 102,467 | 89,370 | 64,353 | 43,061 | 38,355 | |
Revenue Growth | -5.92% | 14.66% | 38.87% | 49.45% | 12.27% | 8.24% |
Policy Benefits | 68,998 | 74,944 | 67,320 | 48,500 | 30,456 | 25,800 |
Policy Acquisition & Underwriting Costs | 11,191 | 9,357 | 6,490 | 4,691 | 4,317 | 4,071 |
Amortization of Goodwill & Intangibles | - | - | 31.11 | 22.77 | 23.68 | 0.05 |
Depreciation & Amortization | 123.92 | 123.92 | 46.04 | 38.61 | 34.85 | 38.63 |
Selling, General & Administrative | 9,607 | 8,912 | 7,208 | 6,320 | 5,186 | 4,708 |
Other Operating Expenses | -838.66 | -735.69 | -563 | -552.01 | -485.57 | -310.27 |
Total Operating Expenses | 89,771 | 93,290 | 81,193 | 59,679 | 40,314 | 34,742 |
Operating Income | 9,055 | 9,177 | 8,178 | 4,674 | 2,747 | 3,613 |
Interest Expense | -13.38 | -14.24 | -19.95 | -12.03 | -51.89 | -62.14 |
Currency Exchange Gain (Loss) | 0.2 | 0.2 | 0.37 | 19.71 | 7.4 | 2.76 |
Other Non Operating Income (Expenses) | -5.23 | -5.23 | 62.39 | 28.88 | 48.28 | 17.85 |
EBT Excluding Unusual Items | 9,036 | 9,158 | 8,220 | 4,711 | 2,751 | 3,572 |
Gain (Loss) on Sale of Assets | 326.48 | 326.48 | 34.55 | 25.82 | 12.38 | 23.8 |
Asset Writedown | 331.87 | 331.87 | 337.95 | 263.79 | 497.7 | 674.14 |
Pretax Income | 9,695 | 9,816 | 8,593 | 5,000 | 3,261 | 4,270 |
Income Tax Expense | 3,802 | 4,052 | 3,640 | 2,283 | 874.8 | 1,326 |
Earnings From Continuing Ops. | 5,892 | 5,764 | 4,953 | 2,717 | 2,386 | 2,944 |
Minority Interest in Earnings | -168.41 | -189.66 | -155.43 | -90.81 | -45.19 | - |
Net Income | 5,724 | 5,574 | 4,797 | 2,626 | 2,341 | 2,944 |
Net Income to Common | 5,724 | 5,574 | 4,797 | 2,626 | 2,341 | 2,944 |
Net Income Growth | 0.31% | 16.20% | 82.68% | 12.17% | -20.47% | 41.93% |
Shares Outstanding (Basic) | 350 | 350 | 350 | 350 | 350 | 350 |
Shares Outstanding (Diluted) | 350 | 350 | 350 | 350 | 350 | 350 |
Shares Change | -0.02% | - | - | - | - | - |
EPS (Basic) | 16.36 | 15.93 | 13.71 | 7.50 | 6.69 | 8.41 |
EPS (Diluted) | 16.36 | 15.93 | 13.71 | 7.50 | 6.69 | 8.41 |
EPS Growth | 0.33% | 16.20% | 82.68% | 12.17% | -20.47% | 41.93% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Free Cash Flow | -5,428 | 6,789 | 8,720 | -3,802 | 3,790 | 7,717 |
Free Cash Flow Per Share | -15.51 | 19.40 | 24.91 | -10.86 | 10.83 | 22.05 |
Dividend Per Share | 2.000 | 4.000 | 3.000 | 3.000 | 3.000 | 3.000 |
Dividend Growth | -42.86% | 33.33% | 0% | 0% | 0% | 20.00% |
Operating Margin | 9.16% | 8.96% | 9.15% | 7.26% | 6.38% | 9.42% |
Profit Margin | 5.79% | 5.44% | 5.37% | 4.08% | 5.44% | 7.67% |
Free Cash Flow Margin | -5.49% | 6.63% | 9.76% | -5.91% | 8.80% | 20.12% |
EBITDA | 9,474 | 9,545 | 8,475 | 4,976 | 3,036 | 3,894 |
EBITDA Margin | 9.59% | 9.31% | 9.48% | 7.73% | 7.05% | 10.15% |
D&A For EBITDA | 419.02 | 367.54 | 297.74 | 301.68 | 288.83 | 280.1 |
EBIT | 9,055 | 9,177 | 8,178 | 4,674 | 2,747 | 3,613 |
EBIT Margin | 9.16% | 8.96% | 9.15% | 7.26% | 6.38% | 9.42% |
Effective Tax Rate | 39.22% | 41.28% | 42.36% | 45.66% | 26.82% | 31.06% |