Pak-Qatar General Takaful Limited (PSX:PQGTL)

Pak-Qatar General Takaful 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	715.8	596.56	494.86	782.36	528.17	349.25
Revenue Growth	11.22%	20.55%	-36.75%	48.13%	51.23%	51.55%
Operating Income Operating Income Growth	198.53	182.35	174.36	138.29	62.93	56.33
Net Income Net Income Growth	136.48	118.17	113.79	101.21	61.82	54.41
Earnings Per Share EPS Growth	1.55	1.83	1.86	1.66	1.01	0.89
EPS Growth	-10.96%	-1.52%	12.43%	63.70%	13.63%	185.44%

Revenue by Segment

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Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Fire and Property Fire and Property Growth	-20.84	-13.61	1.58	0.67	-12.93
Marine, Aviation and Transport Marine, Aviation and Transport Growth	31.93	22.23	44.67	20.37	2.19
Motor Motor Growth	252.29	225.69	223.76	205.53	227.23
Health Health Growth	212.87	121.13	324.76	208.14	71.62
Miscellaneous Miscellaneous Growth	-17.45	-1.79	-0.1	21.14	8.96
Unallocated Investment Income Unallocated Investment Income Growth	120.52	118.82	106.12	47.53	42.92
Total Total Growth	579.32	472.46	700.79	543.95	357.22

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	238.29	283.27	184.84	494.07	312.51	236.58
Total Debt Total Debt Growth	10.91	19.56	33.43	43.59	0.76	17.94
Net Cash (Debt) Net Cash Growth	227.39	263.71	151.41	450.48	311.75	218.64
Net Cash Growth	-41.14%	74.17%	-66.39%	44.50%	42.59%	53.87%
Net Cash Per Share Net Cash Per Share Growth	2.58	4.09	2.48	7.37	5.10	3.58

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	-	-55.36	-187.4	-53.8	63.33	126.76
Capital Expenditures CapEx Growth	-	-	-	-11.89	-9.4	-5.19
Free Cash Flow Free Cash Flow Growth	-	-55.36	-187.4	-65.69	53.93	121.57
Free Cash Flow Growth	-	-	-	-	-55.64%	175.64%

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	27.73%	30.57%	35.23%	17.68%	11.92%	16.13%
Pretax Margin	31.14%	32.92%	42.69%	23.39%	15.84%	19.49%
Profit Margin	19.07%	19.81%	22.99%	12.94%	11.71%	15.58%
FCF Margin	-	-9.28%	-37.87%	-8.40%	10.21%	34.81%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023
Period Ending	Nov 9, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023
Dividend Per Share Dividend Per Share Growth	1.000	1.000	0.833	0.833
Dividend Per Share Growth	0%	20.00%	0%	-

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 5, 2026

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