PSX:JGICL Income 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
Premiums & Annuity Revenue	8,415	7,341	6,877	5,689	5,197
Total Interest & Dividend Income	3,057	3,186	2,828	1,867	1,291
Gain (Loss) on Sale of Investments	3,278	1,100	261.93	-323.73	182.15
Other Revenue	208.87	629	586.84	330.12	100.13
Total Revenue	14,959	12,255	10,554	7,562	6,771
Revenue Growth (YoY)	22.07%	16.12%	39.56%	11.69%	-1.39%
Policy Benefits	5,005	3,727	3,867	3,386	2,860
Policy Acquisition & Underwriting Costs	961.15	624.06	522.89	459.39	433.81
Selling, General & Administrative	3,019	2,730	2,186	1,936	1,701
Other Operating Expenses	-595.04	-552.88	-212.36	-451.8	-375.66
Total Operating Expenses	8,390	6,528	6,364	5,330	4,620
Operating Income	6,569	5,727	4,190	2,232	2,151
Earnings From Equity Investments	65.84	20.88	117.27	146.59	151.6
Currency Exchange Gain (Loss)	0.42	-0.14	57.98	51.69	12.61
Other Non Operating Income (Expenses)	35.44	70.3	52.87	28.31	14.76
EBT Excluding Unusual Items	6,670	5,818	4,418	2,458	2,330
Gain (Loss) on Sale of Assets	0.93	0.23	-0.14	11.18	0.08
Asset Writedown	-77.72	-	-	-	-
Pretax Income	6,594	5,818	4,418	2,470	2,330
Income Tax Expense	2,574	2,296	1,513	935.86	680.67
Net Income	4,019	3,522	2,904	1,534	1,649
Net Income to Common	4,019	3,522	2,904	1,534	1,649
Net Income Growth	14.12%	21.26%	89.37%	-7.01%	7.61%
Shares Outstanding (Basic)	198	198	198	198	198
Shares Outstanding (Diluted)	198	198	198	198	198
EPS (Basic)	20.25	17.74	14.63	7.73	8.31
EPS (Diluted)	20.25	17.74	14.63	7.73	8.31
EPS Growth	14.12%	21.26%	89.37%	-7.01%	7.61%
Free Cash Flow	44.27	-739.76	-65.88	1,238	759.37
Free Cash Flow Per Share	0.22	-3.73	-0.33	6.24	3.83
Dividend Per Share	6.000	5.500	5.000	4.000	4.000
Dividend Growth	9.09%	10.00%	25.00%	-	14.29%
Operating Margin	43.91%	46.73%	39.70%	29.51%	31.77%
Profit Margin	26.87%	28.74%	27.52%	20.28%	24.36%
Free Cash Flow Margin	0.30%	-6.04%	-0.62%	16.37%	11.22%
EBITDA	6,606	5,757	4,218	2,263	2,195
EBITDA Margin	44.16%	46.98%	39.96%	29.93%	32.42%
D&A For EBITDA	37.5	30.45	27.69	31.44	43.95
EBIT	6,569	5,727	4,190	2,232	2,151
EBIT Margin	43.91%	46.73%	39.70%	29.51%	31.77%
Effective Tax Rate	39.05%	39.47%	34.26%	37.90%	29.21%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.