PSX:RICL Income Statement

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	Mar '26 Mar 31, 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
Premiums & Annuity Revenue	636.75	596.6	546.5	460.69	360.47	303.13
Total Interest & Dividend Income	-20.31	119.55	161.91	158.19	114.48	74.69
Gain (Loss) on Sale of Investments	447.62	447.62	267.23	109.23	-34.04	3.42
Total Revenue	1,061	1,164	975.64	728.11	440.91	381.25
Revenue Growth (YoY)	9.63%	19.28%	33.99%	65.14%	15.65%	-7.44%
Policy Benefits	144.88	139.52	152.82	139.12	93.64	64.17
Policy Acquisition & Underwriting Costs	170.88	157.97	131.74	114.12	92.89	65.45
Depreciation & Amortization	6.77	6.77	5.15	4.56	4.29	3.17
Selling, General & Administrative	287.29	274.09	224.94	202.47	172.32	168.17
Other Operating Expenses	-26.54	-31.73	-29.43	-37.42	-35.38	-23.55
Total Operating Expenses	648.69	612.01	543.32	476.51	372.52	317.02
Operating Income	412.56	551.76	432.31	251.6	68.39	64.23
Other Non Operating Income (Expenses)	0.1	-0.83	-0.65	-0.18	-1.34	3.02
EBT Excluding Unusual Items	412.65	550.93	431.67	251.42	67.05	67.25
Gain (Loss) on Sale of Assets	6.63	6.63	4.5	5.56	0.55	3.26
Pretax Income	419.28	557.56	436.17	256.99	67.6	70.51
Income Tax Expense	-11.55	92.64	134.32	85.09	23.49	17.5
Net Income	430.83	464.92	301.85	171.9	44.11	53.01
Net Income to Common	430.83	464.92	301.85	171.9	44.11	53.01
Net Income Growth	45.69%	54.02%	75.60%	289.71%	-16.79%	-22.61%
Shares Outstanding (Basic)	131	131	131	131	131	131
Shares Outstanding (Diluted)	131	131	131	131	131	131
Shares Change (YoY)	6.19%	-	-	-	-	-
EPS (Basic)	3.30	3.56	2.31	1.32	0.34	0.41
EPS (Diluted)	3.30	3.56	2.31	1.32	0.34	0.41
EPS Growth	37.19%	54.02%	75.60%	289.71%	-16.79%	-22.61%
Free Cash Flow	-237.44	-230.18	-159.36	-98.29	-69.79	-76.08
Free Cash Flow Per Share	-1.82	-1.76	-1.22	-0.75	-0.53	-0.58
Dividend Per Share	-	-	-	0.509	0.243	0.231
Dividend Growth	-	-	-	109.97%	5.02%	-
Operating Margin	38.88%	47.41%	44.31%	34.55%	15.51%	16.85%
Profit Margin	40.60%	39.95%	30.94%	23.61%	10.00%	13.91%
Free Cash Flow Margin	-22.37%	-19.78%	-16.33%	-13.50%	-15.83%	-19.96%
EBITDA	433.54	571.09	447.03	264.62	80.64	74.79
EBITDA Margin	40.85%	49.07%	45.82%	36.34%	18.29%	19.62%
D&A For EBITDA	20.99	19.33	14.71	13.01	12.25	10.56
EBIT	412.56	551.76	432.31	251.6	68.39	64.23
EBIT Margin	38.88%	47.41%	44.31%	34.55%	15.51%	16.85%
Effective Tax Rate	-	16.61%	30.80%	33.11%	34.75%	24.82%

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