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	2015 - 2019
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	2015 - 2019
Net Income	268.51	236.85	112.78	111.09	107.02	61.66	Upgrade
Depreciation & Amortization	30.61	30.73	26.64	18.41	33.05	33.63	Upgrade
Other Amortization	3.32	1.14	0.21	0.22	1	1.63	Upgrade
Gain (Loss) on Sale of Assets	-0.56	-0.8	-0.16	-2.08	-61.36	-3.61	Upgrade
Gain (Loss) on Sale of Investments	-318.85	-195.57	-38.35	49.6	-27.96	-8.68	Upgrade
Change in Other Net Operating Assets	176.42	52.79	-309.77	600.48	14.19	84.94	Upgrade
Other Operating Activities	-179.05	-319.11	-367.41	-198.77	-95	-56.58	Upgrade
Operating Cash Flow	-19.6	-193.97	-576.07	578.94	-27.39	114.11	Upgrade
Operating Cash Flow Growth	-	-	-	-	-	-22.74%	Upgrade
Capital Expenditures	-16.95	-33.7	-59.57	-9.76	-23.91	-9.46	Upgrade
Sale of Property, Plant & Equipment	1.1	1.45	0.81	5.63	162.49	8.69	Upgrade
Investment in Securities	-90.79	-254.33	589.35	-456.83	-184.24	33.8	Upgrade
Other Investing Activities	273.2	351.45	307.76	183.8	127.95	88.52	Upgrade
Investing Cash Flow	166.56	64.87	838.35	-277.16	82.28	121.55	Upgrade
Total Debt Repaid	-18.97	-16.32	-21.13	-8.93	-85.17	-116.86	Upgrade
Net Debt Issued (Repaid)	-18.97	-16.32	-21.13	-8.93	-85.17	-116.86	Upgrade
Common Dividends Paid	-120.84	-75.35	-76.03	-75.17	-60.7	-60.37	Upgrade
Financing Cash Flow	-139.81	-91.66	-97.16	-84.11	-145.87	-177.24	Upgrade
Net Cash Flow	7.15	-220.77	165.13	217.68	-90.98	58.43	Upgrade
Free Cash Flow	-36.55	-227.67	-635.64	569.19	-51.3	104.65	Upgrade
Free Cash Flow Growth	-	-	-	-	-	-23.03%	Upgrade
Free Cash Flow Margin	-1.57%	-10.88%	-33.61%	41.28%	-5.33%	12.47%	Upgrade
Free Cash Flow Per Share	-0.29	-1.84	-5.13	4.59	-0.41	0.84	Upgrade
Cash Income Tax Paid	95.59	92.71	38.87	43.47	51.09	33.56	Upgrade
Levered Free Cash Flow	665.03	325.19	-150.02	729.64	87.39	195.97	Upgrade
Unlevered Free Cash Flow	668.57	330.24	-144.32	731.69	94.22	206.44	Upgrade
Change in Working Capital	176.42	52.79	-309.77	600.48	14.19	84.94	Upgrade

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