EFU General Insurance Cash Flow Statement

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2016 - 2020
Period Ending	Mar '25 Mar 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2016 - 2020
Net Income	3,880	3,783	3,273	421.47	2,606	2,422	Upgrade
Depreciation & Amortization	1,779	1,749	1,483	1,362	1,398	954.59	Upgrade
Other Amortization	89.48	89.48	20.65	14.96	20.87	22.55	Upgrade
Gain (Loss) on Sale of Assets	-263.04	-311.76	-314.99	-98.98	-82.2	14.91	Upgrade
Gain (Loss) on Sale of Investments	-21,679	-23,510	-6,613	4,117	3,768	-10,153	Upgrade
Change in Other Net Operating Assets	41,172	44,917	32,085	17,746	7,111	26,318	Upgrade
Other Operating Activities	-39,740	-41,819	-36,249	-20,712	-12,907	-12,187	Upgrade
Operating Cash Flow	-13,341	-13,683	-6,123	4,369	1,836	7,221	Upgrade
Operating Cash Flow Growth	-	-	-	138.01%	-74.58%	-17.57%	Upgrade
Capital Expenditures	-946.72	-1,213	-1,395	-708.4	-782.1	-590.49	Upgrade
Sale of Property, Plant & Equipment	367.62	401.55	344.09	155.24	122.76	71.73	Upgrade
Investment in Securities	-28,655	-33,609	-31,685	-30,738	-7,302	-18,136	Upgrade
Other Investing Activities	40,371	43,028	36,197	20,347	13,567	13,602	Upgrade
Investing Cash Flow	11,138	8,607	3,460	-10,945	5,606	-5,053	Upgrade
Total Debt Repaid	-281.06	-274.07	-243.35	-232.97	-211.67	-204.94	Upgrade
Net Debt Issued (Repaid)	-281.06	-274.07	-243.35	-232.97	-211.67	-204.94	Upgrade
Common Dividends Paid	-3,375	-2,771	-2,772	-2,745	-2,782	-2,802	Upgrade
Financing Cash Flow	-3,656	-3,045	-3,016	-2,978	-2,994	-3,007	Upgrade
Miscellaneous Cash Flow Adjustments	1,056	1,056	-	-	-	-	Upgrade
Net Cash Flow	-4,804	-7,064	-5,678	-9,554	4,448	-838.65	Upgrade
Free Cash Flow	-14,288	-14,896	-7,519	3,661	1,054	6,631	Upgrade
Free Cash Flow Growth	-	-	-	247.45%	-84.11%	-14.69%	Upgrade
Free Cash Flow Margin	-12.07%	-12.56%	-8.28%	5.64%	1.91%	10.54%	Upgrade
Free Cash Flow Per Share	-71.44	-74.48	-37.59	18.30	5.27	33.16	Upgrade
Cash Income Tax Paid	-	-	-	1,791	2,144	1,289	Upgrade
Levered Free Cash Flow	13,636	-16,207	-20,091	26,022	-6,440	-17,918	Upgrade
Unlevered Free Cash Flow	13,696	-16,150	-20,040	26,030	-6,434	-17,910	Upgrade
Change in Working Capital	41,172	44,917	32,085	17,746	7,111	26,318	Upgrade

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