Pak-Qatar General Takaful 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	433.42	353.64	594.67	455.85	297.07	186.04
Total Interest & Dividend Income	49.49	69.54	83.88	51.63	26.07	24.49
Gain (Loss) on Sale of Investments	82.86	71.69	41.14	20.69	26.11	19.92
Other Revenue	77.82	77.82	62.67	-	-	-
Total Revenue	643.59	572.69	782.36	528.17	349.25	230.45
Revenue Growth (YoY)	84.28%	-26.80%	48.13%	51.23%	51.55%	0.74%
Policy Benefits	465.75	401.23	666.71	536.22	321.3	197.07
Policy Acquisition & Underwriting Costs	139.51	137.22	135.25	126.1	99.9	66.36
Selling, General & Administrative	389.13	377.04	346.91	294.26	268.71	211.97
Other Operating Expenses	-531.34	-510.89	-504.8	-491.35	-396.99	-272.77
Total Operating Expenses	463.04	404.6	644.07	465.24	292.92	202.63
Operating Income	180.54	168.09	138.29	62.93	56.33	27.82
Currency Exchange Gain (Loss)	-0.06	-0.06	0.29	0.34	0.01	0.04
Other Non Operating Income (Expenses)	28.87	38.66	43.92	20.38	10.63	15.18
EBT Excluding Unusual Items	209.35	206.69	182.5	83.66	66.98	43.04
Gain (Loss) on Sale of Assets	4.56	4.56	0.51	-	1.08	0.38
Pretax Income	213.91	211.25	183.02	83.66	68.05	43.41
Income Tax Expense	46.93	50.15	41.23	21.83	13.64	-2.05
Net Income	166.99	161.1	141.78	61.82	54.41	45.46
Preferred Dividends & Other Adjustments	47.32	47.32	40.58	-	-	26.4
Net Income to Common	119.67	113.79	101.21	61.82	54.41	19.06
Net Income Growth	206.90%	13.63%	129.33%	13.63%	19.68%	91.26%
Shares Outstanding (Basic)	71	61	61	61	61	61
Shares Outstanding (Diluted)	71	61	61	61	61	61
Shares Change (YoY)	15.43%	-	-	-	-	-
EPS (Basic)	1.70	1.86	1.66	1.01	0.89	0.31
EPS (Diluted)	1.70	1.86	1.66	1.01	0.89	0.31
EPS Growth	90.54%	12.43%	63.70%	13.63%	185.44%	-12.34%
Free Cash Flow	39.77	-21.95	-65.69	53.93	121.57	44.1
Free Cash Flow Per Share	0.56	-0.36	-1.07	0.88	1.99	0.72
Dividend Per Share	0.833	0.833	0.833	-	-	-
Operating Margin	28.05%	29.35%	17.68%	11.92%	16.13%	12.07%
Profit Margin	18.59%	19.87%	12.94%	11.71%	15.58%	8.27%
Free Cash Flow Margin	6.18%	-3.83%	-8.40%	10.21%	34.81%	19.14%
EBITDA	189.18	176.13	144.42	66.69	60.09	33.31
EBITDA Margin	29.39%	30.75%	18.46%	12.63%	17.21%	14.45%
D&A For EBITDA	8.64	8.04	6.13	3.76	3.76	5.49
EBIT	180.54	168.09	138.29	62.93	56.33	27.82
EBIT Margin	28.05%	29.35%	17.68%	11.92%	16.13%	12.07%
Effective Tax Rate	21.94%	23.74%	22.53%	26.10%	20.05%	-

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