Pak-Qatar General Takaful Limited (PSX:PQGTL)
Pakistan flag Pakistan · Delayed Price · Currency is PKR
14.25
-0.13 (-0.90%)
At close: Jul 30, 2026

Pak-Qatar General Takaful Financials Overview

Millions PKR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
611.07596.56494.86782.36528.17349.25
Revenue Growth
-21.89%20.55%-36.75%48.13%51.23%51.55%
Operating Income
191.14182.35174.36138.2962.9356.33
Net Income
122.39118.17113.79101.2161.8254.41
Earnings Per Share
1.701.831.861.661.010.89
EPS Growth
2.72%-1.52%12.43%63.70%13.63%185.44%

Revenue by Segment

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Fire & Property
-22.32-20.84-13.611.580.67-12.93
Marine, Aviation & Transport
15.6331.9322.2344.6720.372.19
Motor
250.54252.29225.69223.76205.53227.23
Health
247.48212.87121.13324.76208.1471.62
Miscellaneous
-18.19-17.45-1.79-0.121.148.96
Unallocated Investment Income
-120.52118.82106.1247.5342.92
Total
593.56579.32472.46700.79543.95357.22

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
285.86283.27184.84494.07312.51236.58
Total Debt
16.0919.5633.4343.590.7617.94
Net Cash (Debt)
269.77263.71151.41450.48311.75218.64
Net Cash Growth
-40.12%74.17%-66.39%44.50%42.59%53.87%
Net Cash Per Share
3.754.092.487.375.103.58

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
112.72-55.36-187.4-53.863.33126.76
Capital Expenditures
----11.89-9.4-5.19
Free Cash Flow
112.72-55.36-187.4-65.6953.93121.57
Free Cash Flow Growth
-----55.64%175.64%

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Margin
31.28%30.57%35.23%17.68%11.92%16.13%
Pretax Margin
33.54%32.92%42.69%23.39%15.84%19.49%
Profit Margin
20.03%19.81%22.99%12.94%11.71%15.58%
FCF Margin
18.45%-9.28%-37.87%-8.40%10.21%34.81%

Dividends

Fiscal YearCurrentFY 2025FY 2024FY 2023
Period EndingJul '26 Dec '25 Dec '24 Dec '23
Dividend Per Share
1.0001.0000.8330.833
Dividend Per Share Growth
0%20.00%0%-