Premier Insurance Limited (PSX:PINL)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
10.61
-0.19 (-1.76%)
At close: Sep 11, 2026

Premier Insurance Financials Overview

Millions PKR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
552.68526.09497.95378.43322.23405.47
Revenue Growth
4.47%5.65%31.58%17.44%-20.53%78.19%
Operating Income
144.12122.6854.24-21.85-226.47-80.12
Net Income
153.69122.6769.067.94-190.27-27.53
Earnings Per Share
3.042.431.370.16-3.76-0.54
EPS Growth
43.60%77.62%769.99%---

Revenue by Segment

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Fire and Property Damages
37.3530.85.5737.8421.395.9
Marine, Aviation and transport
13.5513.356.667.8320.8419.33
Motor
85.4679.5871.8372.0559.8561.95
Health
120.06132.52161.62167.59159.27140.47
Miscellaneous
16.5617.9824.0529.5426.8319.08
Unallocated Net Investment Income / (Loss)
260.94233.12212.345.69-3.65151.79
Unallocated Rental Income
13.1411.94.414.844.844.16
Total
547.05519.25486.44372.18289.37402.69

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
14.6224.6665.9940.6957.8891.29
Total Debt
7.79.1811.73.957.9710.22
Net Cash (Debt)
6.9215.4854.2936.7449.981.07
Net Cash Growth
-44.98%-71.48%47.78%-26.38%-38.44%160.93%
Net Cash Per Share
0.140.311.070.730.991.60

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-99.84-109.54-116.93-47.4-67.36-182.99
Capital Expenditures
-53.46-9.35-1.78-0.61-1.2-34.23
Free Cash Flow
-153.3-118.89-118.71-48.01-68.56-217.22
Free Cash Flow Growth
------

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Margin
26.08%23.32%10.89%-5.77%-70.28%-19.76%
Pretax Margin
29.50%25.11%14.91%4.30%-56.82%-4.76%
Profit Margin
27.81%23.32%13.87%2.10%-59.05%-6.79%
FCF Margin
-27.74%-22.60%-23.84%-12.69%-21.28%-53.57%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
3.494.303.9844.91--
PS Ratio
0.971.000.550.940.980.74