PSX:PKGI Income 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
Premiums & Annuity Revenue	71.8	7.54	-	-	-	-
Total Interest & Dividend Income	12.82	11.64	6.38	5.73	5.62	7.27
Other Revenue	0.75	0.75	-	-	-	0
Total Revenue	85.37	19.93	6.38	5.73	5.62	7.27
Revenue Growth (YoY)	844.85%	212.49%	11.30%	1.94%	-22.65%	-
Policy Benefits	10.09	2.95	-	-	-	-
Policy Acquisition & Underwriting Costs	15.09	2.84	-	-	2.08	2.87
Depreciation & Amortization	2.84	2.84	6.04	6.57	18.35	21.1
Selling, General & Administrative	32.63	25.45	47.5	27.25	39.45	24.7
Other Operating Expenses	7.21	0.09	-	-	-	-
Total Operating Expenses	69.52	35.83	56.48	37.29	63.58	54.67
Operating Income	15.85	-15.9	-50.1	-31.56	-57.96	-47.4
Other Non Operating Income (Expenses)	-0.82	-0.11	-0.05	-0.04	-0.05	0.19
EBT Excluding Unusual Items	15.03	-16.01	-50.15	-31.6	-58.02	-47.21
Gain (Loss) on Sale of Assets	1.32	0.02	0.11	1.88	5.99	5.42
Asset Writedown	47.38	47.38	117.82	-2.3	24.01	-
Other Unusual Items	-	-	-	2.33	33.03	-
Pretax Income	63.72	31.38	67.78	-29.7	5.02	-41.79
Income Tax Expense	2.68	-0.42	-2.67	-0.9	-8.07	-
Net Income	61.04	31.8	70.46	-28.79	13.09	-41.79
Net Income to Common	61.04	31.8	70.46	-28.79	13.09	-41.79
Net Income Growth	-12.21%	-54.86%	-	-	-	-
Shares Outstanding (Basic)	50	50	46	46	46	46
Shares Outstanding (Diluted)	50	50	48	46	46	46
Shares Change (YoY)	-1.88%	3.61%	4.00%	-	-	-
EPS (Basic)	1.22	0.64	1.52	-0.62	0.28	-0.90
EPS (Diluted)	1.22	0.64	1.46	-0.62	0.28	-0.90
EPS Growth	-10.53%	-56.43%	-	-	-	-
Free Cash Flow	-36.12	-11.99	-47.57	-20.02	-21.82	-19.92
Free Cash Flow Per Share	-0.72	-0.24	-0.99	-0.43	-0.47	-0.43
Operating Margin	18.57%	-79.79%	-785.62%	-550.92%	-1031.32%	-652.42%
Profit Margin	71.51%	159.60%	1104.86%	-502.53%	232.87%	-575.20%
Free Cash Flow Margin	-42.31%	-60.17%	-745.94%	-349.48%	-388.20%	-274.22%
EBITDA	19.97	-13.06	-44.05	-24.99	-39.61	-26.56
EBITDA Margin	23.39%	-65.53%	-	-	-	-
D&A For EBITDA	4.11	2.84	6.04	6.57	18.35	20.84
EBIT	15.85	-15.9	-50.1	-31.56	-57.96	-47.4
EBIT Margin	18.57%	-79.79%	-	-	-	-
Effective Tax Rate	4.20%	-	-	-	-	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.