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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	113.04	118.03	236.85	112.78	111.09	107.02
Depreciation & Amortization	31.65	29.95	30.73	26.64	18.41	33.05
Other Amortization	2.9	2.9	1.14	0.21	0.22	1
Gain (Loss) on Sale of Assets	-0.13	-0.08	-0.8	-0.16	-2.08	-61.36
Gain (Loss) on Sale of Investments	-61.03	-115.98	-195.57	-38.35	49.6	-27.96
Change in Other Net Operating Assets	166.46	114.93	52.79	-309.77	600.48	14.19
Other Operating Activities	-298.95	-302.8	-319.11	-367.41	-198.77	-95
Operating Cash Flow	-46.07	-153.05	-193.97	-576.07	578.94	-27.39
Capital Expenditures	-52.4	-29.33	-33.7	-59.57	-9.76	-23.91
Sale of Property, Plant & Equipment	0.91	0.68	1.45	0.81	5.63	162.49
Investment in Securities	101.51	-221.37	-254.33	589.35	-456.83	-184.24
Other Investing Activities	286.14	279.63	351.45	307.76	183.8	127.95
Investing Cash Flow	336.16	29.6	64.87	838.35	-277.16	82.28
Total Debt Repaid	-23.11	-22.3	-16.32	-21.13	-8.93	-85.17
Net Debt Issued (Repaid)	-23.11	-22.3	-16.32	-21.13	-8.93	-85.17
Common Dividends Paid	-120.71	-120.71	-75.35	-76.03	-75.17	-60.7
Financing Cash Flow	-143.82	-143.01	-91.66	-97.16	-84.11	-145.87
Net Cash Flow	146.27	-266.46	-220.77	165.13	217.68	-90.98
Free Cash Flow	-98.47	-182.38	-227.67	-635.64	569.19	-51.3
Free Cash Flow Margin	-4.41%	-8.50%	-10.88%	-33.61%	41.28%	-5.33%
Free Cash Flow Per Share	-0.80	-1.47	-1.84	-5.13	4.59	-0.41
Cash Income Tax Paid	44.55	92.67	92.71	38.87	43.47	51.09
Levered Free Cash Flow	184.31	175.71	331.13	-150.02	729.64	87.39
Unlevered Free Cash Flow	189.57	179.51	336.18	-144.32	731.69	94.22
Change in Working Capital	166.46	114.93	52.79	-309.77	600.48	14.19