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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	135.37	239.92	257.29	117.51	94.9	112.24
Total Interest & Dividend Income	11.27	29.97	21.15	9.07	4.72	2.07
Other Revenue	22.49	2.67	22.84	66.14	50.21	48.56
Total Revenue	169.13	272.56	301.28	192.73	149.83	162.87
Revenue Growth (YoY)	-48.90%	-9.53%	56.32%	28.63%	-8.01%	-9.07%
Policy Benefits	-2.02	-3.02	129.91	4.03	9.83	7.45
Policy Acquisition & Underwriting Costs	11.95	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	158.44	156.1	111.06	153.93	82.14	80.17
Other Operating Expenses	43.83	46.34	10.88	-3.18	1.72	2.65
Total Operating Expenses	220.37	229	276.53	164.03	109.75	106.04
Operating Income	-51.23	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	-54.81	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	-53.1	41.69	21.98	-18.76	38.26	53.77
Income Tax Expense	7.61	7.99	-31.35	-2.15	5.89	10.07
Earnings From Continuing Ops.	-60.71	33.7	53.33	-16.61	32.37	43.7
Minority Interest in Earnings	11.42	12.11	3.58	21.12	6.42	5.22
Net Income	-49.29	45.81	56.92	4.51	38.79	48.91
Net Income to Common	-49.29	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)	-0.46	0.43	0.53	0.04	0.36	0.45
EPS (Diluted)	-0.46	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	-86.91	-32.06	143.16	-9.09	2.35	11.12
Free Cash Flow Per Share	-0.81	-0.30	1.33	-0.08	0.02	0.10
Operating Margin	-30.29%	15.98%	8.21%	14.89%	26.75%	34.89%
Profit Margin	-29.14%	16.81%	18.89%	2.34%	25.89%	30.03%
Free Cash Flow Margin	-51.39%	-11.76%	47.52%	-4.71%	1.57%	6.83%
EBITDA	-45.62	48.73	31.45	39.4	53.5	69.93
EBITDA Margin	-26.97%	17.88%	10.44%	20.44%	35.71%	42.94%
D&A For EBITDA	5.62	5.17	6.7	10.7	13.43	13.1
EBIT	-51.23	43.56	24.75	28.7	40.08	56.83
EBIT Margin	-30.29%	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.