Crescent Star Insurance Limited (PSX:CSIL)

Crescent Star Insurance 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	102.99	239.92	257.29	117.51	94.9	112.24
Total Interest & Dividend Income	17.09	29.97	21.15	9.07	4.72	2.07
Other Revenue	24.33	2.67	22.84	66.14	50.21	48.56
Total Revenue	144.41	272.56	301.28	192.73	149.83	162.87
Revenue Growth (YoY)	-52.73%	-9.53%	56.32%	28.63%	-8.01%	-9.07%
Policy Benefits	-3.42	-3.02	129.91	4.03	9.83	7.45
Policy Acquisition & Underwriting Costs	8.47	21.42	18.13	-	4.42	5.32
Amortization of Goodwill & Intangibles	1.81	1.81	1.15	1.4	1.59	1.35
Depreciation & Amortization	1.67	1.67	4.19	7.85	10.07	9.1
Selling, General & Administrative	159.68	156.1	111.06	153.93	82.14	80.17
Other Operating Expenses	5.13	46.34	10.88	-3.18	1.72	2.65
Total Operating Expenses	178.02	229	276.53	164.03	109.75	106.04
Operating Income	-33.62	43.56	24.75	28.7	40.08	56.83
Interest Expense	-	-	-	-	-0.09	-0.58
Other Non Operating Income (Expenses)	-3.58	-3.58	-2.76	-2.71	-2.87	-2.48
EBT Excluding Unusual Items	-37.19	39.98	21.98	25.99	37.12	53.77
Gain (Loss) on Sale of Assets	1.71	1.71	-0	-	1.14	-
Asset Writedown	-	-	-	-44.75	-	-
Pretax Income	-35.48	41.69	21.98	-18.76	38.26	53.77
Income Tax Expense	2.52	7.99	-31.35	-2.15	5.89	10.07
Earnings From Continuing Ops.	-38.01	33.7	53.33	-16.61	32.37	43.7
Minority Interest in Earnings	0.2	12.11	3.58	21.12	6.42	5.22
Net Income	-37.81	45.81	56.92	4.51	38.79	48.91
Net Income to Common	-37.81	45.81	56.92	4.51	38.79	48.91
Net Income Growth	-	-19.52%	1162.31%	-88.38%	-20.68%	59.00%
Shares Outstanding (Basic)	108	108	108	108	108	108
Shares Outstanding (Diluted)	108	108	108	108	108	108
EPS (Basic)	-0.35	0.43	0.53	0.04	0.36	0.45
EPS (Diluted)	-0.35	0.43	0.53	0.04	0.36	0.45
EPS Growth	-	-19.52%	1162.34%	-88.38%	-20.68%	59.00%
Free Cash Flow	20.66	-32.06	143.16	-9.09	2.35	11.12
Free Cash Flow Per Share	0.19	-0.30	1.33	-0.08	0.02	0.10
Operating Margin	-23.28%	15.98%	8.21%	14.89%	26.75%	34.89%
Profit Margin	-26.19%	16.81%	18.89%	2.34%	25.89%	30.03%
Free Cash Flow Margin	14.31%	-11.76%	47.52%	-4.71%	1.57%	6.83%
EBITDA	-31.5	48.73	31.45	39.4	53.5	69.93
EBITDA Margin	-21.81%	17.88%	10.44%	20.44%	35.71%	42.94%
D&A For EBITDA	2.12	5.17	6.7	10.7	13.43	13.1
EBIT	-33.62	43.56	24.75	28.7	40.08	56.83
EBIT Margin	-23.28%	15.98%	8.21%	14.89%	26.75%	34.89%
Effective Tax Rate	-	19.17%	-	-	15.40%	18.73%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.