Habib Insurance Company 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
Period Ending	Sep '25 Sep 30, 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
Net Income	268.51	236.85	112.78	111.09	107.02	61.66
Depreciation & Amortization	30.61	30.73	26.64	18.41	33.05	33.63
Other Amortization	3.32	1.14	0.21	0.22	1	1.63
Gain (Loss) on Sale of Assets	-0.56	-0.8	-0.16	-2.08	-61.36	-3.61
Gain (Loss) on Sale of Investments	-318.85	-195.57	-38.35	49.6	-27.96	-8.68
Change in Other Net Operating Assets	176.42	52.79	-309.77	600.48	14.19	84.94
Other Operating Activities	-179.05	-319.11	-367.41	-198.77	-95	-56.58
Operating Cash Flow	-19.6	-193.97	-576.07	578.94	-27.39	114.11
Operating Cash Flow Growth	-	-	-	-	-	-22.74%
Capital Expenditures	-16.95	-33.7	-59.57	-9.76	-23.91	-9.46
Sale of Property, Plant & Equipment	1.1	1.45	0.81	5.63	162.49	8.69
Investment in Securities	-90.79	-254.33	589.35	-456.83	-184.24	33.8
Other Investing Activities	273.2	351.45	307.76	183.8	127.95	88.52
Investing Cash Flow	166.56	64.87	838.35	-277.16	82.28	121.55
Total Debt Repaid	-18.97	-16.32	-21.13	-8.93	-85.17	-116.86
Net Debt Issued (Repaid)	-18.97	-16.32	-21.13	-8.93	-85.17	-116.86
Common Dividends Paid	-120.84	-75.35	-76.03	-75.17	-60.7	-60.37
Financing Cash Flow	-139.81	-91.66	-97.16	-84.11	-145.87	-177.24
Net Cash Flow	7.15	-220.77	165.13	217.68	-90.98	58.43
Free Cash Flow	-36.55	-227.67	-635.64	569.19	-51.3	104.65
Free Cash Flow Growth	-	-	-	-	-	-23.03%
Free Cash Flow Margin	-1.57%	-10.88%	-33.61%	41.28%	-5.33%	12.47%
Free Cash Flow Per Share	-0.29	-1.84	-5.13	4.59	-0.41	0.84
Cash Income Tax Paid	95.59	92.71	38.87	43.47	51.09	33.56
Levered Free Cash Flow	665.03	325.19	-150.02	729.64	87.39	195.97
Unlevered Free Cash Flow	668.57	330.24	-144.32	731.69	94.22	206.44
Change in Working Capital	176.42	52.79	-309.77	600.48	14.19	84.94

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