Reliance Insurance Company Limited (PSX:RICL)
Pakistan · Delayed Price · Currency is PKR 11.16
-0.34 (-2.96%)
At close: Nov 2, 2026
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 | Sep '26 Sep 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 |
Premiums & Annuity Revenue | 686.55 | 596.6 | 546.5 | 460.69 | 360.47 | 303.13 |
Total Interest & Dividend Income | -192.22 | 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 |
| 941.95 | 1,164 | 975.64 | 728.11 | 440.91 | 381.25 | |
Revenue Growth | -21.80% | 19.28% | 33.99% | 65.14% | 15.65% | -7.44% |
Policy Benefits | 147.95 | 139.52 | 152.82 | 139.12 | 93.64 | 64.17 |
Policy Acquisition & Underwriting Costs | 182.8 | 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 | 308.53 | 274.09 | 224.94 | 202.47 | 172.32 | 168.17 |
Other Operating Expenses | -18.49 | -31.73 | -29.43 | -37.42 | -35.38 | -23.55 |
Total Operating Expenses | 692.96 | 612.01 | 543.32 | 476.51 | 372.52 | 317.02 |
Operating Income | 248.99 | 551.76 | 432.31 | 251.6 | 68.39 | 64.23 |
Other Non Operating Income (Expenses) | -3.16 | -0.83 | -0.65 | -0.18 | -1.34 | 3.02 |
EBT Excluding Unusual Items | 245.83 | 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 | 252.46 | 557.56 | 436.17 | 256.99 | 67.6 | 70.51 |
Income Tax Expense | -90.04 | 92.64 | 134.32 | 85.09 | 23.49 | 17.5 |
Net Income | 342.5 | 464.92 | 301.85 | 171.9 | 44.11 | 53.01 |
Net Income to Common | 342.5 | 464.92 | 301.85 | 171.9 | 44.11 | 53.01 |
Net Income Growth | -16.00% | 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 | 0.05% | - | - | - | - | - |
EPS (Basic) | 2.62 | 3.56 | 2.31 | 1.32 | 0.34 | 0.41 |
EPS (Diluted) | 2.62 | 3.56 | 2.31 | 1.32 | 0.34 | 0.41 |
EPS Growth | -16.05% | 54.02% | 75.60% | 289.71% | -16.79% | -22.61% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 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 |
Free Cash Flow | -214.65 | -230.18 | -159.36 | -98.29 | -69.79 | -76.08 |
Free Cash Flow Per Share | -1.64 | -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 | 26.43% | 47.41% | 44.31% | 34.55% | 15.51% | 16.85% |
Profit Margin | 36.36% | 39.95% | 30.94% | 23.61% | 10.00% | 13.91% |
Free Cash Flow Margin | -22.79% | -19.78% | -16.33% | -13.50% | -15.83% | -19.96% |
EBITDA | 281.37 | 571.09 | 447.03 | 264.62 | 80.64 | 74.79 |
EBITDA Margin | 29.87% | 49.07% | 45.82% | 36.34% | 18.29% | 19.62% |
D&A For EBITDA | 32.38 | 19.33 | 14.71 | 13.01 | 12.25 | 10.56 |
EBIT | 248.99 | 551.76 | 432.31 | 251.6 | 68.39 | 64.23 |
EBIT Margin | 26.43% | 47.41% | 44.31% | 34.55% | 15.51% | 16.85% |
Effective Tax Rate | - | 16.61% | 30.80% | 33.11% | 34.75% | 24.82% |