Century Insurance Company Limited (PSX:CENI)

Century Insurance Company Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Premiums & Annuity Revenue	1,650	1,360	1,197	1,072	897.58
Total Interest & Dividend Income	552.81	431.89	327.29	150.78	98.96
Gain (Loss) on Sale of Investments	-	178.75	150.15	46.33	23.69
Other Revenue	31.77	80.53	77.34	61.08	52.16
Total Revenue	2,235	2,051	1,752	1,331	1,072
Revenue Growth (YoY)	8.99%	17.05%	31.67%	24.07%	12.15%
Policy Benefits	926.01	760.64	618.52	561.53	449.75
Policy Acquisition & Underwriting Costs	-	-63.91	-51.07	20.34	10.71
Amortization of Goodwill & Intangibles	-	0.09	0.09	0.04	-
Depreciation & Amortization	-	32	32.03	32.64	27.74
Selling, General & Administrative	528.52	148.43	124.55	127.7	98.09
Provision for Bad Debts	-	1.08	-1.18	0.13	-2.88
Other Operating Expenses	-132.57	-88.16	-84.77	-157.2	-116.22
Total Operating Expenses	1,322	1,112	926.61	842.14	690.13
Operating Income	913.12	938.42	825.32	488.41	382.27
Interest Expense	-6.33	-7.2	-3.77	-4.73	-5.63
Earnings From Equity Investments	3.13	8.57	9.56	8.28	12.99
Other Non Operating Income (Expenses)	-	-1.29	-1.32	-0.98	-0.64
EBT Excluding Unusual Items	909.93	938.51	829.79	490.98	388.98
Gain (Loss) on Sale of Assets	-	3.4	-0.57	2.34	0.65
Other Unusual Items	-	-	0.86	1.86	-
Pretax Income	909.93	941.91	830.08	495.18	389.63
Income Tax Expense	360.36	357.24	333.21	181.83	112.1
Net Income	549.56	584.67	496.87	313.35	277.53
Net Income to Common	549.56	584.67	496.87	313.35	277.53
Net Income Growth	-6.00%	17.67%	58.56%	12.91%	14.39%
Shares Outstanding (Basic)	55	55	55	55	55
Shares Outstanding (Diluted)	55	55	55	55	55
Shares Change (YoY)	0.03%	-	-	-	-
EPS (Basic)	9.93	10.57	8.98	5.66	5.02
EPS (Diluted)	9.93	10.57	8.98	5.66	5.02
EPS Growth	-6.03%	17.67%	58.56%	12.91%	14.39%
Free Cash Flow	67.48	-197.01	247.99	-15.36	273.05
Free Cash Flow Per Share	1.22	-3.56	4.48	-0.28	4.93
Dividend Per Share	6.000	6.000	4.500	2.500	2.250
Dividend Growth	-	33.33%	80.00%	11.11%	23.75%
Operating Margin	40.85%	45.76%	47.11%	36.71%	35.65%
Profit Margin	24.59%	28.51%	28.36%	23.55%	25.88%
Free Cash Flow Margin	3.02%	-9.61%	14.16%	-1.16%	25.46%
EBITDA	947.31	956.36	841.16	504.44	397.83
EBITDA Margin	42.38%	46.63%	48.01%	37.91%	37.10%
D&A For EBITDA	34.19	17.94	15.84	16.03	15.56
EBIT	913.12	938.42	825.32	488.41	382.27
EBIT Margin	40.85%	45.76%	47.11%	36.71%	35.65%
Effective Tax Rate	39.60%	37.93%	40.14%	36.72%	28.77%

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