Habib Insurance Company Limited (PSX:HICL)

Habib Insurance Company Financials Overview

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

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	2,816	2,146	2,092	1,891	1,379	962.95
Revenue Growth	21.78%	2.58%	10.64%	37.14%	43.20%	14.77%
Operating Income Operating Income Growth	483.92	175.04	358.61	171.9	125.34	100.42
Net Income Net Income Growth	332.46	118.03	236.85	112.78	111.09	107.02
Earnings Per Share EPS Growth	1.66	0.59	1.18	0.56	0.56	0.54
EPS Growth	23.83%	-50.17%	110.01%	1.52%	3.80%	73.56%

Revenue by Segment

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Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Fire and Property Fire and Property Growth	224.49	175.43	197.09	153.34	94.76
Marine and Transport Marine and Transport Growth	233.21	242.39	207.02	217.2	159.44
Motor Motor Growth	1,061	903.31	942.35	743.94	460.2
Other Classes Other Classes Growth	155.1	164.14	144.69	98.6	78.31
Unallocated Investment Income Unallocated Investment Income Growth	401.28	459.05	305.2	124.57	141.03
Unallocated Other Income Unallocated Other Income Growth	10.26	122.21	48.12	-	-
Health Health Growth	28.49	2.67	-	-	-
Total Total Growth	2,114	2,069	1,862	1,353	947.02

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	25.95	105.04	475.04	661.86	395.78	96.81
Total Debt Total Debt Growth	312.7	72.35	25.76	40.77	30.91	37.53
Net Cash (Debt) Net Cash Growth	-286.75	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	-1.43	0.16	2.25	3.11	1.82	0.30

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	-1,080	-153.05	-193.97	-576.07	578.94	-27.39
Capital Expenditures CapEx Growth	-142.77	-29.33	-33.7	-59.57	-9.76	-23.91
Free Cash Flow Free Cash Flow Growth	-1,223	-182.38	-227.67	-635.64	569.19	-51.3
Free Cash Flow Growth	-	-	-	-	-	-

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Margin	17.18%	8.15%	17.14%	9.09%	9.09%	10.43%
Pretax Margin	16.74%	7.88%	17.95%	8.45%	10.24%	15.33%
Profit Margin	11.81%	5.50%	11.32%	5.96%	8.06%	11.11%
FCF Margin	-43.44%	-8.50%	-10.88%	-33.61%	41.28%	-5.33%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov 2, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	0.387	0.387	0.619	0.387	0.387	0.387
Dividend Per Share Growth	-37.50%	-37.50%	60.01%	0%	0%	24.99%
Dividend Yield	4.83%	5.02%	11.77%	10.08%	10.42%	8.97%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov 2, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	4.82	13.07	4.45	6.81	6.69	8.07
P/FCF Ratio	-	-	-	-	1.31	-
PS Ratio	0.57	0.72	0.50	0.41	0.54	0.90

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 2, 2026

Data Sources Report a data error