Century Insurance Company Limited (PSX:CENI)

Century Insurance Company Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	1,486	1,360	1,197	1,072	897.58	846.1
Total Interest & Dividend Income	384.31	431.89	327.29	150.78	98.96	105.17
Gain (Loss) on Sale of Investments	178.75	178.75	150.15	46.33	23.69	-23.14
Other Revenue	77.48	77.48	76.08	61.08	52.16	28.12
Total Revenue	2,127	2,048	1,751	1,331	1,072	956.24
Revenue Growth (YoY)	8.70%	16.96%	31.57%	24.07%	12.15%	12.58%
Policy Benefits	823.02	760.64	618.52	561.53	449.75	360.17
Policy Acquisition & Underwriting Costs	-63.91	-63.91	-51.07	20.34	10.71	8.99
Amortization of Goodwill & Intangibles	0.09	0.09	0.09	0.04	-	0.01
Depreciation & Amortization	32	32	32.03	32.64	27.74	27.87
Selling, General & Administrative	184.39	148.43	124.55	127.7	98.09	94.65
Provision for Bad Debts	1.08	1.08	-1.18	0.13	-2.88	15.41
Other Operating Expenses	-63.7	-88.16	-84.77	-157.2	-116.22	-61.89
Total Operating Expenses	1,235	1,112	926.61	842.14	690.13	658.08
Operating Income	891.66	935.37	824.07	488.41	382.27	298.16
Interest Expense	-7.15	-7.2	-3.77	-4.73	-5.63	-6.24
Earnings From Equity Investments	5.49	8.57	9.56	8.28	12.99	12.41
Currency Exchange Gain (Loss)	-	-	-	-	-	0.09
Other Non Operating Income (Expenses)	1.76	1.76	-0.07	-0.98	-0.64	-0.56
EBT Excluding Unusual Items	891.75	938.51	829.79	490.98	388.98	303.86
Gain (Loss) on Sale of Investments	-	-	-	-	-	3.25
Gain (Loss) on Sale of Assets	3.4	3.4	-0.57	2.34	0.65	0.63
Other Unusual Items	-	-	0.86	1.86	-	34.68
Pretax Income	895.15	941.91	830.08	495.18	389.63	342.42
Income Tax Expense	350.16	357.24	333.21	181.83	112.1	99.81
Net Income	544.99	584.67	496.87	313.35	277.53	242.6
Net Income to Common	544.99	584.67	496.87	313.35	277.53	242.6
Net Income Growth	-12.37%	17.67%	58.56%	12.91%	14.39%	67.09%
Shares Outstanding (Basic)	55	55	55	55	55	55
Shares Outstanding (Diluted)	55	55	55	55	55	55
Shares Change (YoY)	0.02%	-	-	-	-	-
EPS (Basic)	9.85	10.57	8.98	5.66	5.02	4.38
EPS (Diluted)	9.85	10.57	8.98	5.66	5.02	4.38
EPS Growth	-12.39%	17.67%	58.56%	12.91%	14.39%	67.09%
Free Cash Flow	-141.48	-197.01	247.99	-15.36	273.05	121.44
Free Cash Flow Per Share	-2.56	-3.56	4.48	-0.28	4.93	2.19
Dividend Per Share	-	6.000	4.500	2.500	2.250	1.818
Dividend Growth	-	33.33%	80.00%	11.11%	23.75%	14.29%
Operating Margin	41.93%	45.68%	47.07%	36.71%	35.65%	31.18%
Profit Margin	25.62%	28.55%	28.38%	23.55%	25.88%	25.37%
Free Cash Flow Margin	-6.65%	-9.62%	14.16%	-1.16%	25.46%	12.70%
EBITDA	912.11	953.31	839.91	504.44	397.83	326.66
EBITDA Margin	42.89%	46.56%	47.98%	37.91%	37.10%	34.16%
D&A For EBITDA	20.45	17.94	15.84	16.03	15.56	28.5
EBIT	891.66	935.37	824.07	488.41	382.27	298.16
EBIT Margin	41.93%	45.68%	47.07%	36.71%	35.65%	31.18%
Effective Tax Rate	39.12%	37.93%	40.14%	36.72%	28.77%	29.15%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.