Pak-Qatar Family Takaful 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	28,563	27,046	14,339	7,782	7,421
Total Interest & Dividend Income	212.25	787.81	851.38	777.94	666.29
Gain (Loss) on Sale of Investments	6,756	9,197	6,471	-252.74	-694.51
Other Revenue	62.2	16.08	115.19	113.76	57.37
Total Revenue	35,594	37,047	21,777	8,421	7,450
Revenue Growth (YoY)	-3.92%	70.12%	158.60%	13.03%	-59.52%
Policy Benefits	33,756	35,587	20,715	7,419	6,885
Policy Acquisition & Underwriting Costs	1,326	1,414	1,432	1,865	2,017
Selling, General & Administrative	1,100	904.33	790.55	672.97	559.79
Other Operating Expenses	-945.77	-1,177	-1,364	-1,679	-1,998
Total Operating Expenses	35,237	36,729	21,573	8,277	7,464
Operating Income	357.47	318.06	204.08	143.69	-14.07
Interest Expense	-29.08	-27.07	-25.7	-	-
Currency Exchange Gain (Loss)	0.02	-0.02	0.05	0.24	-
Other Non Operating Income (Expenses)	-	-0	-	-	-
EBT Excluding Unusual Items	328.4	290.97	178.43	143.94	-14.07
Gain (Loss) on Sale of Assets	0.61	-	0.03	0.05	-
Asset Writedown	100	75.49	13.64	40.64	238.74
Pretax Income	429.01	366.46	192.11	184.62	224.67
Income Tax Expense	137.7	96.74	35.81	35.53	49.35
Net Income	291.31	269.72	156.3	149.09	175.33
Net Income to Common	291.31	269.72	156.3	149.09	175.33
Net Income Growth	8.00%	72.57%	4.83%	-14.96%	7.19%
Shares Outstanding (Basic)	148	148	131	131	131
Shares Outstanding (Diluted)	148	148	131	131	131
Shares Change (YoY)	-	13.41%	-	-	-
EPS (Basic)	1.97	1.82	1.20	1.14	1.34
EPS (Diluted)	1.97	1.82	1.20	1.14	1.34
EPS Growth	8.00%	52.16%	4.83%	-14.96%	7.19%
Free Cash Flow	544.61	8,592	3,244	752.37	1,434
Free Cash Flow Per Share	3.67	57.96	24.82	5.76	10.97
Dividend Per Share	1.000	1.000	0.500	0.500	-
Dividend Growth	-	100.00%	-	-	-
Operating Margin	1.00%	0.86%	0.94%	1.71%	-0.19%
Profit Margin	0.82%	0.73%	0.72%	1.77%	2.35%
Free Cash Flow Margin	1.53%	23.19%	14.90%	8.94%	19.25%
EBITDA	415.58	374.68	255.97	192.01	35.9
EBITDA Margin	1.17%	1.01%	1.18%	2.28%	0.48%
D&A For EBITDA	58.12	56.62	51.89	48.32	49.97
EBIT	357.47	318.06	204.08	143.69	-14.07
EBIT Margin	1.00%	0.86%	0.94%	1.71%	-0.19%
Effective Tax Rate	32.10%	26.40%	18.64%	19.24%	21.96%
Revenue as Reported	-	-	-	8,275	7,528

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