PSX:JLICL 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	56,655	46,563	44,086	45,571	47,580
Total Interest & Dividend Income	24,472	35,279	30,714	19,080	12,275
Gain (Loss) on Sale of Investments	15,395	18,321	2,774	-14,737	-8,309
Other Revenue	346.53	629.75	616.34	333.68	216.75
Total Revenue	96,869	100,792	78,190	50,248	51,762
Revenue Growth (YoY)	-3.89%	28.91%	55.61%	-2.93%	-9.39%
Policy Benefits	78,085	82,766	61,716	35,833	38,306
Policy Acquisition & Underwriting Costs	7,408	6,265	6,211	6,642	6,922
Selling, General & Administrative	7,210	7,277	5,757	4,352	3,828
Other Operating Expenses	31.38	31.69	42.36	44.22	61.41
Total Operating Expenses	92,734	96,340	73,725	46,872	49,117
Operating Income	4,135	4,452	4,465	3,377	2,646
Interest Expense	-106.24	-203.33	-191.43	-130.92	-144.98
Earnings From Equity Investments	67.29	25.39	31.21	13.92	14.1
Currency Exchange Gain (Loss)	0.09	17.55	12.46	13.96	-8.81
Other Non Operating Income (Expenses)	0.21	0.06	-	-	-
EBT Excluding Unusual Items	4,096	4,292	4,317	3,274	2,506
Gain (Loss) on Sale of Assets	85.73	33.2	35.91	27.37	34.4
Pretax Income	4,182	4,325	4,353	3,301	2,540
Income Tax Expense	1,686	1,751	2,047	1,229	747.13
Net Income	2,496	2,574	2,306	2,072	1,793
Net Income to Common	2,496	2,574	2,306	2,072	1,793
Net Income Growth	-3.04%	11.60%	11.30%	15.56%	-37.83%
Shares Outstanding (Basic)	100	100	100	100	100
Shares Outstanding (Diluted)	100	100	100	100	100
Shares Change (YoY)	-	0.00%	-	-0.00%	-
EPS (Basic)	24.87	25.65	22.98	20.65	17.87
EPS (Diluted)	24.87	25.65	22.98	20.65	17.87
EPS Growth	-3.04%	11.60%	11.30%	15.56%	-37.83%
Free Cash Flow	-11,426	-22,619	-13,815	-6,644	-1,962
Free Cash Flow Per Share	-113.86	-225.39	-137.66	-66.21	-19.55
Dividend Per Share	13.000	13.000	13.000	11.304	12.609
Dividend Growth	-	-	15.00%	-10.35%	-12.12%
Operating Margin	4.27%	4.42%	5.71%	6.72%	5.11%
Profit Margin	2.58%	2.55%	2.95%	4.12%	3.46%
Free Cash Flow Margin	-11.79%	-22.44%	-17.67%	-13.22%	-3.79%
EBITDA	4,497	4,785	4,833	3,788	3,025
EBITDA Margin	4.64%	4.75%	6.18%	7.54%	5.84%
D&A For EBITDA	362.24	332.9	367.77	411.4	379.48
EBIT	4,135	4,452	4,465	3,377	2,646
EBIT Margin	4.27%	4.42%	5.71%	6.72%	5.11%
Effective Tax Rate	40.33%	40.49%	47.02%	37.23%	29.41%
Revenue as Reported	96,955	100,843	78,239	50,290	51,788

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