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	Jun '25 Jun 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	267.25	236.85	112.78	111.09	107.02	61.66	Upgrade
Depreciation & Amortization	32.3	30.73	26.64	18.41	33.05	33.63	Upgrade
Other Amortization	1.14	1.14	0.21	0.22	1	1.63	Upgrade
Gain (Loss) on Sale of Assets	-0.8	-0.8	-0.16	-2.08	-61.36	-3.61	Upgrade
Gain (Loss) on Sale of Investments	-309.46	-195.57	-38.35	49.6	-27.96	-8.68	Upgrade
Change in Other Net Operating Assets	95.82	52.79	-309.77	600.48	14.19	84.94	Upgrade
Other Operating Activities	-148.69	-319.11	-367.41	-198.77	-95	-56.58	Upgrade
Operating Cash Flow	-62.44	-193.97	-576.07	578.94	-27.39	114.11	Upgrade
Operating Cash Flow Growth	-	-	-	-	-	-22.74%	Upgrade
Capital Expenditures	-39.93	-33.7	-59.57	-9.76	-23.91	-9.46	Upgrade
Sale of Property, Plant & Equipment	1.11	1.45	0.81	5.63	162.49	8.69	Upgrade
Investment in Securities	-602.05	-254.33	589.35	-456.83	-184.24	33.8	Upgrade
Other Investing Activities	280.92	351.45	307.76	183.8	127.95	88.52	Upgrade
Investing Cash Flow	-359.95	64.87	838.35	-277.16	82.28	121.55	Upgrade
Total Debt Repaid	-19.4	-16.32	-21.13	-8.93	-85.17	-116.86	Upgrade
Net Debt Issued (Repaid)	-19.4	-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	-140.23	-91.66	-97.16	-84.11	-145.87	-177.24	Upgrade
Net Cash Flow	-562.63	-220.77	165.13	217.68	-90.98	58.43	Upgrade
Free Cash Flow	-102.37	-227.67	-635.64	569.19	-51.3	104.65	Upgrade
Free Cash Flow Growth	-	-	-	-	-	-23.03%	Upgrade
Free Cash Flow Margin	-4.54%	-10.88%	-33.61%	41.28%	-5.33%	12.47%	Upgrade
Free Cash Flow Per Share	-0.83	-1.84	-5.13	4.59	-0.41	0.84	Upgrade
Cash Income Tax Paid	88.9	92.71	38.87	43.47	51.09	33.56	Upgrade
Levered Free Cash Flow	528.15	325.19	-150.02	729.64	87.39	195.97	Upgrade
Unlevered Free Cash Flow	532.73	330.24	-144.32	731.69	94.22	206.44	Upgrade
Change in Working Capital	95.82	52.79	-309.77	600.48	14.19	84.94	Upgrade

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