Pak-Qatar Family Takaful Cash Flow Statement

Financials in millions PKR. Fiscal year is January - December.

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	237.51	269.72	156.3	149.09	175.33	163.56
Depreciation & Amortization	161.6	160.8	168.41	144.9	125.03	119.82
Other Amortization	10.61	9.18	9.06	9.53	9.9	9.46
Gain (Loss) on Sale of Assets	0.06	0.06	-0.03	-0.05	0.02	-0.19
Gain (Loss) on Sale of Investments	-10,057	-9,258	-6,666	212.1	455.77	-2,008
Change in Accounts Receivable	-84.67	19.62	51.43	216.21	-143.85	-94.22
Change in Other Net Operating Assets	-4,781	316.49	471.75	109.39	601.81	370.37
Other Operating Activities	23,922	17,130	9,232	14.91	268.84	2,307
Operating Cash Flow	9,408	8,647	3,423	856.08	1,493	868.02
Operating Cash Flow Growth	530.22%	152.63%	299.84%	-42.66%	71.98%	14.60%
Capital Expenditures	-29.97	-55.41	-178.97	-103.71	-58.86	-65.07
Sale of Property, Plant & Equipment	0.45	0.35	3.37	0.19	0.02	1.45
Investment in Securities	-14,044	-12,751	-5,867	-1,191	-1,506	-4,104
Other Investing Activities	4,186	4,574	3,474	635.39	695.58	1,451
Investing Cash Flow	-9,887	-8,232	-2,569	-1,130	-869.04	-2,717
Issuance of Common Stock	500	-	-	-	-	-
Common Dividends Paid	-130.71	-65.36	-65.36	-	-92.93	-
Financing Cash Flow	369.29	-65.36	-65.36	-	-92.93	-
Net Cash Flow	-109.89	349.59	788.76	-274.16	530.88	-1,849
Free Cash Flow	9,378	8,592	3,244	752.37	1,434	802.96
Free Cash Flow Growth	554.00%	164.86%	331.16%	-47.53%	78.59%	20.27%
Free Cash Flow Margin	24.52%	23.19%	14.90%	8.94%	19.25%	4.36%
Free Cash Flow Per Share	71.89	65.73	24.82	5.76	10.97	6.14
Cash Income Tax Paid	63.92	74.29	92.11	92.26	100.35	189.11
Levered Free Cash Flow	-	-17,463	-9,423	-217.99	-364.06	-5,346
Unlevered Free Cash Flow	-	-17,446	-9,407	-217.99	-364.06	-5,346
Change in Working Capital	-4,866	336.11	523.18	325.59	457.96	276.16

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