Reliance Insurance Company Limited (PSX:RICL)
Pakistan · Delayed Price · Currency is PKR 11.97
+0.52 (4.54%)
At close: Sep 11, 2026
PSX:RICL Financials Overview
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | 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 |
Revenue Revenue Growth | 1,164 | 1,164 | 975.64 | 728.11 | 440.91 | 381.25 |
Revenue Growth | 22.15% | 19.28% | 33.99% | 65.14% | 15.65% | -7.44% |
Operating Income Operating Income Growth | 490.57 | 551.76 | 432.31 | 251.6 | 68.39 | 64.23 |
Net Income Net Income Growth | 511.82 | 464.92 | 301.85 | 171.9 | 44.11 | 53.01 |
Earnings Per Share EPS Growth | 3.92 | 3.56 | 2.31 | 1.32 | 0.34 | 0.41 |
EPS Growth | 110.55% | 54.02% | 75.60% | 289.71% | -16.79% | -22.61% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | 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 |
Fire & Property Damage Fire & Property Damage Growth | 411.4 | 373.74 | 270.16 | 231.29 | 191.74 | 145.27 |
Marine Aviation & Transport Marine Aviation & Transport Growth | 141.5 | 118.66 | 83.22 | 67.64 | 62.19 | 51.8 |
Motor Motor Growth | 185.73 | 181.42 | 180.19 | 146.72 | 96.01 | 96.21 |
Miscellaneous Miscellaneous Growth | 15.58 | 14.57 | 12.93 | 15.03 | 10.53 | 9.85 |
Unallocated Net Investment Income Unallocated Net Investment Income Growth | 488.73 | 554.99 | 408.88 | 246.03 | 67.38 | 74.75 |
Total Total Growth | 1,243 | 1,243 | 955.38 | 706.72 | 427.85 | 377.88 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | 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 |
Net Cash (Debt) Net Cash Growth | 277.75 | 209.29 | 125.02 | 121.93 | 113.96 | 123.33 |
Net Cash Growth | 70.06% | 67.41% | 2.54% | 6.99% | -7.60% | -31.94% |
Net Cash Per Share Net Cash Per Share Growth | 2.13 | 1.60 | 0.96 | 0.93 | 0.87 | 0.94 |
Cash & Investments Cash & Investments Growth | 277.75 | 209.29 | 125.02 | 121.93 | 113.96 | 123.33 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | 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 |
Operating Cash Flow Operating Cash Flow Growth | -53.35 | -162.49 | -123.35 | -62.34 | -55.52 | -54.28 |
Capital Expenditures CapEx Growth | -65.86 | -67.69 | -36.01 | -35.94 | -14.26 | -21.8 |
Free Cash Flow Free Cash Flow Growth | -119.21 | -230.18 | -159.36 | -98.29 | -69.79 | -76.08 |
Free Cash Flow Growth | - | - | - | - | - | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | 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 |
Operating Margin | 42.14% | 47.41% | 44.31% | 34.55% | 15.51% | 16.85% |
Pretax Margin | 42.43% | 47.91% | 44.71% | 35.30% | 15.33% | 18.49% |
Profit Margin | 43.96% | 39.95% | 30.94% | 23.61% | 10.00% | 13.91% |
FCF Margin | -10.24% | -19.78% | -16.33% | -13.50% | -15.83% | -19.96% |
| Fiscal Year | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|
| Period Ending | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 0.509 | 0.243 | 0.231 |
Dividend Per Share Growth | 109.97% | 5.02% | - |
Dividend Yield | 12.38% | 8.91% | 10.74% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 12, 2026 | 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 |
PE Ratio | 3.05 | 3.41 | 2.58 | 3.48 | 9.63 | 6.83 |
PS Ratio | 1.34 | 1.36 | 0.80 | 0.82 | 0.96 | 0.95 |