Habib Insurance Company Cash Flow Statement

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	118.03	236.85	112.78	111.09	107.02
Depreciation & Amortization	32.84	30.73	26.64	18.41	33.05
Other Amortization	-	1.14	0.21	0.22	1
Gain (Loss) on Sale of Assets	-5.6	-0.8	-0.16	-2.08	-61.36
Gain (Loss) on Sale of Investments	-111.08	-195.57	-38.35	49.6	-27.96
Change in Other Net Operating Assets	114.93	52.79	-309.77	600.48	14.19
Other Operating Activities	-302.8	-319.11	-367.41	-198.77	-95
Operating Cash Flow	-153.05	-193.97	-576.07	578.94	-27.39
Capital Expenditures	-29.33	-33.7	-59.57	-9.76	-23.91
Sale of Property, Plant & Equipment	0.68	1.45	0.81	5.63	162.49
Investment in Securities	-221.37	-254.33	589.35	-456.83	-184.24
Other Investing Activities	279.63	351.45	307.76	183.8	127.95
Investing Cash Flow	29.6	64.87	838.35	-277.16	82.28
Total Debt Repaid	-22.3	-16.32	-21.13	-8.93	-85.17
Net Debt Issued (Repaid)	-22.3	-16.32	-21.13	-8.93	-85.17
Common Dividends Paid	-120.71	-75.35	-76.03	-75.17	-60.7
Financing Cash Flow	-143.01	-91.66	-97.16	-84.11	-145.87
Net Cash Flow	-266.46	-220.77	165.13	217.68	-90.98
Free Cash Flow	-182.38	-227.67	-635.64	569.19	-51.3
Free Cash Flow Margin	-8.62%	-10.88%	-33.61%	41.28%	-5.33%
Free Cash Flow Per Share	-1.47	-1.84	-5.13	4.59	-0.41
Cash Income Tax Paid	92.67	92.71	38.87	43.47	51.09
Levered Free Cash Flow	-31.07	325.19	-150.02	729.64	87.39
Unlevered Free Cash Flow	-27.27	330.24	-144.32	731.69	94.22
Change in Working Capital	114.93	52.79	-309.77	600.48	14.19

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.