Habib Insurance Company Limited (PSX:HICL)

Habib Insurance Company Balance Sheet

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
Investments in Debt Securities	250	250	250	753.55	130.22	329.94
Investments in Equity & Preferred Securities	2,730	2,009	1,253	821.12	1,210	1,022
Total Investments	2,980	2,259	1,503	1,575	1,341	1,352
Cash & Equivalents	21.5	475.04	661.86	395.78	96.81	194.28
Reinsurance Recoverable	1,732	1,428	1,411	908.89	1,117	1,068
Other Receivables	753.2	947.3	807	817.49	823.11	620.93
Property, Plant & Equipment	97.51	99.41	114.02	56.1	68.89	185.18
Other Intangible Assets	11.17	13.36	0.24	0.45	0.67	2.19
Other Current Assets	647.19	735.07	715.34	558.39	512.53	488.66
Long-Term Deferred Charges	199.29	250.92	217.07	169.58	145.64	106.23
Other Long-Term Assets	956.07	276.09	64.67	62.3	88.02	-
Total Assets	7,399	6,485	5,494	4,544	4,194	4,018
Accrued Expenses	241.34	323.78	257.07	189.04	198.23	113.26
Insurance & Annuity Liabilities	432.18	383.5	373.08	117.21	180.38	114.03
Unpaid Claims	1,376	1,044	1,055	959.57	786.59	819.12
Unearned Premiums	1,792	1,810	1,582	1,419	1,179	959.63
Reinsurance Payable	300.72	381.72	337.47	397.31	243.03	233.49
Current Portion of Leases	-	16.38	19.36	14.54	11.99	24.67
Short-Term Debt	113.72	-	-	-	-	-
Current Income Taxes Payable	-	-	-	-	-	2.25
Long-Term Leases	18.24	9.38	21.4	16.37	25.54	112.97
Long-Term Deferred Tax Liabilities	445.66	296.89	142.07	17.29	82.02	124.13
Other Current Liabilities	75.13	69.65	69.39	83.54	62.81	63.25
Other Long-Term Liabilities	43.71	10.5	40.22	30.87	37.87	31.54
Total Liabilities	4,931	4,429	3,991	3,375	2,939	2,718
Common Stock	619.37	619.37	619.37	619.37	619.37	619.37
Retained Earnings	718.82	684.35	499.13	448.09	406.77	356.01
Comprehensive Income & Other	1,130	751.7	384.95	100.84	228.93	324.86
Shareholders' Equity	2,468	2,055	1,503	1,168	1,255	1,300
Total Liabilities & Equity	7,399	6,485	5,494	4,544	4,194	4,018
Filing Date Shares Outstanding	123.87	123.87	123.87	123.87	123.87	123.87
Total Common Shares Outstanding	123.87	123.87	123.87	123.87	123.87	123.87
Total Debt	131.96	25.76	40.77	30.91	37.53	137.64
Net Cash (Debt)	-110.46	449.28	621.1	364.87	59.28	56.63
Net Cash Growth	-	-27.66%	70.23%	515.46%	4.68%	-
Net Cash Per Share	-0.89	3.63	5.01	2.95	0.48	0.46
Book Value Per Share	19.92	16.59	12.14	9.43	10.13	10.50
Tangible Book Value	2,457	2,042	1,503	1,168	1,254	1,298
Tangible Book Value Per Share	19.83	16.48	12.13	9.43	10.13	10.48
Machinery	-	155.7	141.93	84.01	79.57	206.11

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.