The Pakistan General Insurance Company Limited (PSX:PKGI)

PSX:PKGI Financials Overview

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

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	368.73	149.06	19.93	6.38	5.73	5.62
Revenue Growth	352.67%	648.00%	212.49%	11.30%	1.94%	-22.65%
Operating Income Operating Income Growth	63	32.28	-15.9	-50.1	-31.56	-57.96
Net Income Net Income Growth	56.59	28.38	31.8	70.46	-28.79	13.09
Earnings Per Share EPS Growth	0.47	0.57	0.64	1.46	-0.62	0.28
EPS Growth	-48.11%	-10.75%	-56.43%	-	-	-

Revenue by Segment

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Fiscal Year	FY 2025
Period Ending	Dec 31, 2025
Fire and Property Damage Fire and Property Damage Growth	4.88
Marine, Aviation and Transport Marine, Aviation and Transport Growth	44.77
Motor Motor Growth	79.95
Miscellaneous Miscellaneous Growth	36.62
Unallocated Investment Income Unallocated Investment Income Growth	7.08
Unallocated Rental Income Unallocated Rental Income Growth	4.34
Unallocated Other Income Unallocated Other Income Growth	3.56
Total Total Growth	181.2

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	91.99	16.98	31.37	0.37	0.43	0.44
Total Debt Total Debt Growth	269.26	28.47	11.86	11.33	-	-
Net Cash (Debt) Net Cash Growth	-177.27	-11.49	19.51	-10.96	0.43	0.44
Net Cash Growth	-	-	-	-	-1.31%	-22.97%
Net Cash Per Share Net Cash Per Share Growth	-1.48	-0.23	0.39	-0.23	0.01	0.01

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	18.53	-16.29	-11.29	-18.05	-19.8	-17.81
Capital Expenditures CapEx Growth	-102.65	-19.74	-0.7	-29.52	-0.23	-4.01
Free Cash Flow Free Cash Flow Growth	-84.12	-36.03	-11.99	-47.57	-20.02	-21.82
Free Cash Flow Growth	-	-	-	-	-	-

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Margin	17.09%	21.65%	-79.79%	-785.62%	-550.92%	-1031.32%
Pretax Margin	14.36%	17.82%	157.47%	1062.95%	-518.31%	89.27%
Profit Margin	15.35%	19.04%	159.60%	1104.86%	-502.53%	232.87%
FCF Margin	-22.81%	-24.17%	-60.17%	-745.94%	-349.48%	-388.20%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov 2, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	49.63	19.43	14.31	3.95	-	12.45
PS Ratio	9.11	3.70	22.83	43.59	52.24	28.98

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 1, 2026

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