Habib Insurance Company Limited (PSX:HICL)
Pakistan · Delayed Price · Currency is PKR 8.01
-0.04 (-0.50%)
At close: Nov 2, 2026
Habib Insurance Company Income 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 | Sep '26 Sep 30, 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 |
Premiums & Annuity Revenue | 2,242 | 1,703 | 1,488 | 1,509 | 1,228 | 805.99 |
Total Interest & Dividend Income | 452.38 | 317.3 | 311.63 | 296.16 | 183.47 | 116.14 |
Gain (Loss) on Sale of Investments | 115.98 | 115.98 | 195.57 | 38.35 | -49.6 | 27.96 |
Other Revenue | 5.8 | 10.18 | 97.04 | 47.96 | 16.92 | 12.86 |
| 2,816 | 2,146 | 2,092 | 1,891 | 1,379 | 962.95 | |
Revenue Growth | 21.78% | 2.58% | 10.64% | 37.14% | 43.20% | 14.77% |
Policy Benefits | 1,253 | 1,071 | 934.29 | 951.9 | 627.31 | 380.26 |
Policy Acquisition & Underwriting Costs | 639.31 | 543.55 | 499.55 | 442.46 | 346.82 | 237.55 |
Selling, General & Administrative | 1,059 | 912.25 | 877.04 | 814.9 | 727.08 | 518.13 |
Other Operating Expenses | -245.75 | -182.84 | -163.01 | -139.11 | -56.09 | -14.57 |
Reinsurance Income or Expense | 372.92 | 372.92 | 414.29 | 351.03 | 391.54 | 258.84 |
Total Operating Expenses | 2,332 | 1,971 | 1,734 | 1,719 | 1,254 | 862.53 |
Operating Income | 483.92 | 175.04 | 358.61 | 171.9 | 125.34 | 100.42 |
Interest Expense | -12.6 | -6.07 | -8.08 | -9.12 | -3.28 | -10.92 |
Other Non Operating Income (Expenses) | - | - | - | -3.2 | -3.2 | -3.2 |
EBT Excluding Unusual Items | 471.32 | 168.96 | 350.53 | 159.58 | 118.86 | 86.3 |
Gain (Loss) on Sale of Assets | 0.08 | 0.08 | 0.8 | 0.16 | 2.08 | 61.36 |
Other Unusual Items | - | - | 24.21 | - | 20.26 | - |
Pretax Income | 471.4 | 169.04 | 375.55 | 159.74 | 141.2 | 147.66 |
Income Tax Expense | 138.94 | 51.01 | 138.7 | 46.96 | 30.11 | 40.63 |
Net Income | 332.46 | 118.03 | 236.85 | 112.78 | 111.09 | 107.02 |
Net Income to Common | 332.46 | 118.03 | 236.85 | 112.78 | 111.09 | 107.02 |
Net Income Growth | 23.82% | -50.17% | 110.01% | 1.52% | 3.80% | 73.56% |
Shares Outstanding (Basic) | 200 | 200 | 200 | 200 | 200 | 200 |
Shares Outstanding (Diluted) | 200 | 200 | 200 | 200 | 200 | 200 |
Shares Change | -0.01% | - | - | - | - | - |
EPS (Basic) | 1.66 | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 |
EPS (Diluted) | 1.66 | 0.59 | 1.18 | 0.56 | 0.56 | 0.54 |
EPS Growth | 23.83% | -50.17% | 110.01% | 1.52% | 3.80% | 73.56% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 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 |
Free Cash Flow | -1,223 | -182.38 | -227.67 | -635.64 | 569.19 | -51.3 |
Free Cash Flow Per Share | -6.12 | -0.91 | -1.14 | -3.18 | 2.85 | -0.26 |
Dividend Per Share | - | 0.387 | 0.619 | 0.387 | 0.387 | 0.387 |
Dividend Growth | - | -37.50% | 60.01% | 0% | 0% | 24.99% |
Operating Margin | 17.18% | 8.15% | 17.14% | 9.09% | 9.09% | 10.43% |
Profit Margin | 11.81% | 5.50% | 11.32% | 5.96% | 8.06% | 11.11% |
Free Cash Flow Margin | -43.44% | -8.50% | -10.88% | -33.61% | 41.28% | -5.33% |
EBITDA | 509.6 | 191.18 | 374.34 | 184.17 | 133.93 | 124.21 |
EBITDA Margin | 18.10% | 8.91% | 17.89% | 9.74% | 9.71% | 12.90% |
D&A For EBITDA | 25.68 | 16.14 | 15.73 | 12.27 | 8.59 | 23.79 |
EBIT | 483.92 | 175.04 | 358.61 | 171.9 | 125.34 | 100.42 |
EBIT Margin | 17.18% | 8.15% | 17.14% | 9.09% | 9.09% | 10.43% |
Effective Tax Rate | 29.47% | 30.18% | 36.93% | 29.40% | 21.32% | 27.52% |