PSX:ALAC 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	2,888	1,693	1,254	1,078	600.42
Total Interest & Dividend Income	232.19	273.38	268.77	118.94	59.65
Gain (Loss) on Sale of Investments	101.72	93.73	7.96	-0.27	-0.85
Other Revenue	13.29	22.11	19.8	11.73	5.24
Total Revenue	3,236	2,082	1,551	1,208	664.46
Revenue Growth (YoY)	55.38%	34.28%	28.36%	81.82%	90.89%
Policy Benefits	1,455	805.26	699.41	491.36	318.46
Policy Acquisition & Underwriting Costs	1,165	769.07	616.81	676.82	364.7
Selling, General & Administrative	456.34	454.44	370.46	288.03	207.48
Other Operating Expenses	34.91	35.24	22.97	26.6	16.21
Total Operating Expenses	3,112	2,064	1,710	1,483	906.84
Operating Income	123.94	18.33	-158.93	-274.66	-242.38
EBT Excluding Unusual Items	123.94	18.33	-158.93	-274.66	-242.38
Gain (Loss) on Sale of Assets	-	0.07	0.29	0.04	0.33
Pretax Income	123.94	18.4	-158.64	-274.62	-242.05
Income Tax Expense	-2.03	3.28	6.6	1.35	0.39
Net Income	125.97	15.12	-165.24	-275.97	-242.44
Net Income to Common	125.97	15.12	-165.24	-275.97	-242.44
Net Income Growth	732.94%	-	-	-	-
Shares Outstanding (Basic)	150	150	150	150	150
Shares Outstanding (Diluted)	150	150	150	150	150
Shares Change (YoY)	-0.14%	-	-	-	31.34%
EPS (Basic)	0.84	0.10	-1.10	-1.84	-1.61
EPS (Diluted)	0.84	0.10	-1.10	-1.84	-1.61
EPS Growth	734.13%	-	-	-	-
Free Cash Flow	852.37	357.53	-48.71	-45.05	-54.8
Free Cash Flow Per Share	5.68	2.38	-0.32	-0.30	-0.36
Operating Margin	3.83%	0.88%	-10.25%	-22.73%	-36.48%
Profit Margin	3.89%	0.73%	-10.66%	-22.84%	-36.49%
Free Cash Flow Margin	26.34%	17.17%	-3.14%	-3.73%	-8.25%
EBITDA	132.98	26.66	-147.5	-264.09	-230.49
EBITDA Margin	4.11%	1.28%	-9.51%	-21.86%	-34.69%
D&A For EBITDA	9.04	8.33	11.43	10.57	11.89
EBIT	123.94	18.33	-158.93	-274.66	-242.38
EBIT Margin	3.83%	0.88%	-10.25%	-22.73%	-36.48%
Effective Tax Rate	-	17.82%	-	-	-
Revenue as Reported	3,236	2,082	1,551	1,208	664.79

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.