Habib Insurance Company Limited (PSX:HICL)
Pakistan · Delayed Price · Currency is PKR 12.45
+0.17 (1.38%)
At close: Jul 31, 2026
Habib Insurance Company Financials Overview
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 2,211 | 2,146 | 2,092 | 1,891 | 1,379 | 962.95 |
Revenue Growth | 3.31% | 2.58% | 10.64% | 37.14% | 43.20% | 14.77% |
Operating Income Operating Income Growth | 171.42 | 175.04 | 358.61 | 171.9 | 125.34 | 100.42 |
Net Income Net Income Growth | 113.04 | 118.03 | 236.85 | 112.78 | 111.09 | 107.02 |
Earnings Per Share EPS Growth | 0.91 | 0.95 | 1.91 | 0.91 | 0.90 | 0.86 |
EPS Growth | -55.48% | -50.17% | 110.01% | 1.52% | 3.80% | 73.56% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Fire and Property Fire and Property Growth | 218.02 | 224.49 | 175.43 | 197.09 | 153.34 | 94.76 |
Marine and Transport Marine and Transport Growth | 228.59 | 233.21 | 242.39 | 207.02 | 217.2 | 159.44 |
Motor Motor Growth | 1,161 | 1,061 | 903.31 | 942.35 | 743.94 | 460.2 |
Other Classes Other Classes Growth | 182.34 | 155.1 | 164.14 | 144.69 | 98.6 | 78.31 |
Unallocated Investment Income Unallocated Investment Income Growth | 350.29 | 401.28 | 459.05 | 305.2 | 124.57 | 141.03 |
Unallocated Other Income Unallocated Other Income Growth | 8.77 | 10.26 | 122.21 | 48.12 | - | - |
Health Health Growth | - | 28.49 | 2.67 | - | - | - |
Total Total Growth | 2,176 | 2,114 | 2,069 | 1,862 | 1,353 | 947.02 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 68.8 | 105.04 | 475.04 | 661.86 | 395.78 | 96.81 |
Total Debt Total Debt Growth | 59.22 | 72.35 | 25.76 | 40.77 | 30.91 | 37.53 |
Net Cash (Debt) Net Cash Growth | 9.57 | 32.69 | 449.28 | 621.1 | 364.87 | 59.28 |
Net Cash Growth | - | -92.72% | -27.66% | 70.23% | 515.46% | 4.68% |
Net Cash Per Share Net Cash Per Share Growth | 0.08 | 0.26 | 3.63 | 5.01 | 2.95 | 0.48 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | -46.07 | -153.05 | -193.97 | -576.07 | 578.94 | -27.39 |
Capital Expenditures CapEx Growth | -52.4 | -29.33 | -33.7 | -59.57 | -9.76 | -23.91 |
Free Cash Flow Free Cash Flow Growth | -98.47 | -182.38 | -227.67 | -635.64 | 569.19 | -51.3 |
Free Cash Flow Growth | - | - | - | - | - | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Margin | 7.75% | 8.15% | 17.14% | 9.09% | 9.09% | 10.43% |
Pretax Margin | 7.38% | 7.88% | 17.95% | 8.45% | 10.24% | 15.33% |
Profit Margin | 5.11% | 5.50% | 11.32% | 5.96% | 8.06% | 11.11% |
FCF Margin | -4.45% | -8.50% | -10.88% | -33.61% | 41.28% | -5.33% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 0.625 | 0.625 | 1.000 | 0.625 | 0.625 | 0.625 |
Dividend Per Share Growth | -37.50% | -37.50% | 60.00% | 0% | 0% | 25.00% |
Dividend Yield | 5.09% | 5.30% | 13.93% | 13.09% | 15.06% | 14.10% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jul '26 Jul 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 13.46 | 13.07 | 4.45 | 6.81 | 6.69 | 8.07 |
P/FCF Ratio | - | - | - | - | 1.31 | - |
PS Ratio | 0.69 | 0.72 | 0.50 | 0.41 | 0.54 | 0.90 |