Pak-Qatar General Takaful Income Statement

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

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Premiums & Annuity Revenue	458.8	353.64	594.67	455.85	297.07
Total Interest & Dividend Income	137.77	69.54	83.88	51.63	26.07
Gain (Loss) on Sale of Investments	-	71.69	41.14	20.69	26.11
Other Revenue	-	77.82	62.67	-	-
Total Revenue	596.56	572.69	782.36	528.17	349.25
Revenue Growth (YoY)	4.17%	-26.80%	48.13%	51.23%	51.55%
Policy Benefits	521.02	401.23	666.71	536.22	321.3
Policy Acquisition & Underwriting Costs	132.51	137.22	135.25	126.1	99.9
Selling, General & Administrative	395.56	377.04	346.91	294.26	268.71
Other Operating Expenses	-630.74	-510.89	-504.8	-491.35	-396.99
Total Operating Expenses	418.35	404.6	644.07	465.24	292.92
Operating Income	178.21	168.09	138.29	62.93	56.33
Currency Exchange Gain (Loss)	-	-0.06	0.29	0.34	0.01
Other Non Operating Income (Expenses)	18.2	38.66	43.92	20.38	10.63
EBT Excluding Unusual Items	196.41	206.69	182.5	83.66	66.98
Gain (Loss) on Sale of Assets	-	4.56	0.51	-	1.08
Pretax Income	196.41	211.25	183.02	83.66	68.05
Income Tax Expense	49.42	50.15	41.23	21.83	13.64
Net Income	146.99	161.1	141.78	61.82	54.41
Preferred Dividends & Other Adjustments	28.82	47.32	40.58	-	-
Net Income to Common	118.17	113.79	101.21	61.82	54.41
Net Income Growth	-8.76%	13.63%	129.33%	13.63%	19.68%
Shares Outstanding (Basic)	65	61	61	61	61
Shares Outstanding (Diluted)	65	61	61	61	61
Shares Change (YoY)	5.67%	-	-	-	-
EPS (Basic)	1.83	1.86	1.66	1.01	0.89
EPS (Diluted)	1.83	1.86	1.66	1.01	0.89
EPS Growth	-1.72%	12.43%	63.70%	13.63%	185.44%
Free Cash Flow	-83.03	-21.95	-65.69	53.93	121.57
Free Cash Flow Per Share	-1.29	-0.36	-1.07	0.88	1.99
Dividend Per Share	1.000	0.833	0.833	-	-
Dividend Growth	20.00%	-	-	-	-
Operating Margin	29.87%	29.35%	17.68%	11.92%	16.13%
Profit Margin	19.81%	19.87%	12.94%	11.71%	15.58%
Free Cash Flow Margin	-13.92%	-3.83%	-8.40%	10.21%	34.81%
EBITDA	190.55	176.13	144.42	66.69	60.09
EBITDA Margin	31.94%	30.75%	18.46%	12.63%	17.21%
D&A For EBITDA	12.34	8.04	6.13	3.76	3.76
EBIT	178.21	168.09	138.29	62.93	56.33
EBIT Margin	29.87%	29.35%	17.68%	11.92%	16.13%
Effective Tax Rate	25.16%	23.74%	22.53%	26.10%	20.05%

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