Reliance Insurance Company Limited (PSX:RICL)

PSX:RICL Cash Flow Statement

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

Operating Activities

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
Net Income	342.5	464.92	301.85	171.9	44.11	53.01
Depreciation & Amortization	32.38	19.33	14.71	13.01	12.25	10.56
Gain (Loss) on Sale of Assets	-4.3	-6.63	-4.5	-5.56	-0.55	-3.26
Gain (Loss) on Sale of Investments	-150.51	-149.01	-73.7	-14.09	-7.33	-4.96
Change in Other Net Operating Assets	-89.84	-72.89	-57.57	-13.1	-22.12	-28.87
Other Operating Activities	-289.77	-418.22	-304.15	-214.5	-81.89	-80.77
Operating Cash Flow	-159.55	-162.49	-123.35	-62.34	-55.52	-54.28
Operating Cash Flow Growth	-	-	-	-	-	-

Investing Activities

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
Capital Expenditures	-55.11	-67.69	-36.01	-35.94	-14.26	-21.8
Sale of Property, Plant & Equipment	10.07	14.54	8.2	14.07	3.22	11.31
Investment in Securities	101.04	137.43	62.83	-15.09	3.37	-24.65
Other Investing Activities	104.51	115.2	146.21	136.61	100.23	71.83
Investing Cash Flow	160.51	199.49	181.22	99.65	92.56	36.68

Financing Activities

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
Common Dividends Paid	-0.25	-0.79	-64.22	-30.57	-28.93	-
Financing Cash Flow	-0.25	-0.79	-64.22	-30.57	-28.93	-

Net Cash Flow

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
Miscellaneous Cash Flow Adjustments	0	0	-	0	-	-
Net Cash Flow	0.72	36.2	-6.35	6.74	8.11	-17.6

Free Cash Flow

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
Free Cash Flow	-214.65	-230.18	-159.36	-98.29	-69.79	-76.08
Free Cash Flow Growth	-	-	-	-	-	-
Free Cash Flow Margin	-22.79%	-19.78%	-16.33%	-13.50%	-15.83%	-19.96%
Free Cash Flow Per Share	-1.64	-1.76	-1.22	-0.75	-0.53	-0.58
Levered Free Cash Flow	946.26	26.3	-91.03	101.38	83.01	-61.83
Unlevered Free Cash Flow	946.26	26.3	-91.03	101.38	83.01	-61.83

Additional Metrics

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
Cash Income Tax Paid	23.34	22.24	37.38	23.15	19.02	17.18
Change in Working Capital	-89.84	-72.89	-57.57	-13.1	-22.12	-28.87

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 2, 2026

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