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	365.15	431.89	327.29	150.78	98.96	105.17
Gain (Loss) on Sale of Investments	193.37	178.75	150.15	46.33	23.69	-23.14
Other Revenue	55.36	77.48	76.08	61.08	52.16	28.12
Total Revenue	2,100	2,048	1,751	1,331	1,072	956.24
Revenue Growth (YoY)	7.33%	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	-56.47	-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	192.35	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	-104.35	-88.16	-84.77	-157.2	-116.22	-61.89
Total Operating Expenses	1,210	1,112	926.61	842.14	690.13	658.08
Operating Income	890.24	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)	1.54	1.76	-0.07	-0.98	-0.64	-0.56
EBT Excluding Unusual Items	890.12	938.51	829.79	490.98	388.98	303.86
Gain (Loss) on Sale of Investments	-	-	-	-	-	3.25
Gain (Loss) on Sale of Assets	5.03	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
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	-12.37%	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	6.000	4.500	2.500	2.250	1.818
Dividend Growth	33.33%	33.33%	80.00%	11.11%	23.75%	14.29%
Operating Margin	42.39%	45.68%	47.07%	36.71%	35.65%	31.18%
Profit Margin	25.95%	28.55%	28.38%	23.55%	25.88%	25.37%
Free Cash Flow Margin	-6.74%	-9.62%	14.16%	-1.16%	25.46%	12.70%
EBITDA	903.67	953.31	839.91	504.44	397.83	326.66
EBITDA Margin	43.03%	46.56%	47.98%	37.91%	37.10%	34.16%
D&A For EBITDA	13.43	17.94	15.84	16.03	15.56	28.5
EBIT	890.24	935.37	824.07	488.41	382.27	298.16
EBIT Margin	42.39%	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.