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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	1,567	1,360	1,197	1,072	897.58	846.1
Total Interest & Dividend Income	304.26	431.89	327.29	150.78	98.96	105.17
Gain (Loss) on Sale of Investments	334.96	178.75	150.15	46.33	23.69	-23.14
Other Revenue	37.02	80.53	77.34	61.08	52.16	28.12
Total Revenue	2,243	2,051	1,752	1,331	1,072	956.24
Revenue Growth (YoY)	13.21%	17.05%	31.67%	24.07%	12.15%	12.58%
Policy Benefits	884.86	760.64	618.52	561.53	449.75	360.17
Policy Acquisition & Underwriting Costs	-45.65	-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	211.85	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	-107.54	-88.16	-84.77	-157.2	-116.22	-61.89
Total Operating Expenses	1,299	1,112	926.61	842.14	690.13	658.08
Operating Income	943.93	938.42	825.32	488.41	382.27	298.16
Interest Expense	-7.33	-7.2	-3.77	-4.73	-5.63	-6.24
Earnings From Equity Investments	5.29	8.57	9.56	8.28	12.99	12.41
Currency Exchange Gain (Loss)	-	-	-	-	-	0.09
Other Non Operating Income (Expenses)	-1.29	-1.29	-1.32	-0.98	-0.64	-0.56
EBT Excluding Unusual Items	940.6	938.51	829.79	490.98	388.98	303.86
Gain (Loss) on Sale of Investments	-	-	-	-	-	3.25
Gain (Loss) on Sale of Assets	7.81	3.4	-0.57	2.34	0.65	0.63
Other Unusual Items	-	-	0.86	1.86	-	34.68
Pretax Income	948.41	941.91	830.08	495.18	389.63	342.42
Income Tax Expense	366.47	357.24	333.21	181.83	112.1	99.81
Net Income	581.94	584.67	496.87	313.35	277.53	242.6
Net Income to Common	581.94	584.67	496.87	313.35	277.53	242.6
Net Income Growth	-2.93%	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)	10.52	10.57	8.98	5.66	5.02	4.38
EPS (Diluted)	10.52	10.57	8.98	5.66	5.02	4.38
EPS Growth	-2.93%	17.67%	58.56%	12.91%	14.39%	67.09%
Free Cash Flow	118.49	-197.01	247.99	-15.36	273.05	121.44
Free Cash Flow Per Share	2.14	-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	42.09%	45.76%	47.11%	36.71%	35.65%	31.18%
Profit Margin	25.95%	28.51%	28.36%	23.55%	25.88%	25.37%
Free Cash Flow Margin	5.28%	-9.61%	14.16%	-1.16%	25.46%	12.70%
EBITDA	944.74	956.36	841.16	504.44	397.83	326.66
EBITDA Margin	42.12%	46.63%	48.01%	37.91%	37.10%	34.16%
D&A For EBITDA	0.81	17.94	15.84	16.03	15.56	28.5
EBIT	943.93	938.42	825.32	488.41	382.27	298.16
EBIT Margin	42.09%	45.76%	47.11%	36.71%	35.65%	31.18%
Effective Tax Rate	38.64%	37.93%	40.14%	36.72%	28.77%	29.15%

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