The Pakistan General Insurance Company Limited (PSX:PKGI)

Pakistan · Delayed Price · Currency is PKR

20.35

-0.61 (-2.91%)

At close: Jul 30, 2026

PSX:PKGI Financials Overview

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

Millions PKR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Revenue	189.02	149.06	19.93	6.38	5.73	5.62
Revenue Growth	621.23%	648.00%	212.49%	11.30%	1.94%	-22.65%
Operating Income	43.62	32.28	-15.9	-50.1	-31.56	-57.96
Net Income	39.15	28.38	31.8	70.46	-28.79	13.09
Earnings Per Share	0.78	0.57	0.64	1.46	-0.62	0.28
EPS Growth	34.49%	-10.75%	-56.43%	-	-	-

Revenue by Segment

Fiscal Year	TTM	FY 2025
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025
Fire and Property Damage	2.91	4.88
Marine, Aviation and Transport	46.07	44.77
Motor	97.65	79.95
Miscellaneous	50.93	36.62
Unallocated Investment Income	6.88	7.08
Unallocated Rental Income	4.69	4.34
Unallocated Other Income	-	3.56
Total	220.38	181.2

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Cash & Investments	15.38	16.98	31.37	0.37	0.43	0.44
Total Debt	12.34	28.47	11.86	11.33	-	-
Net Cash (Debt)	3.04	-11.49	19.51	-10.96	0.43	0.44
Net Cash Growth	-81.40%	-	-	-	-1.31%	-22.97%
Net Cash Per Share	0.06	-0.23	0.39	-0.23	0.01	0.01

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Operating Cash Flow	39.3	-16.29	-11.29	-18.05	-19.8	-17.81
Capital Expenditures	-55.07	-19.74	-0.7	-29.52	-0.23	-4.01
Free Cash Flow	-15.78	-36.03	-11.99	-47.57	-20.02	-21.82
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Operating Margin	23.08%	21.65%	-79.79%	-785.62%	-550.92%	-1031.32%
Pretax Margin	19.75%	17.82%	157.47%	1062.95%	-518.31%	89.27%
Profit Margin	20.71%	19.04%	159.60%	1104.86%	-502.53%	232.87%
FCF Margin	-8.35%	-24.17%	-60.17%	-745.94%	-349.48%	-388.20%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 31, 2026	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
PE Ratio	25.99	19.43	14.31	3.95	-	12.45
PS Ratio	5.38	3.70	22.83	43.59	52.24	28.98