PSX:UNIC 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	5,419	5,152	3,613	3,386	2,717
Total Interest & Dividend Income	140.72	158.43	162.3	112.73	70.46
Gain (Loss) on Sale of Investments	-352.92	360.1	0.8	0.34	20.23
Other Revenue	38.71	61.79	87.98	59.34	26.2
Total Revenue	5,245	5,733	3,864	3,558	2,834
Revenue Growth (YoY)	-8.50%	48.37%	8.59%	25.56%	42.14%
Policy Benefits	1,190	1,348	968.38	755.7	533.54
Policy Acquisition & Underwriting Costs	1,062	1,147	994.47	776.3	661.37
Selling, General & Administrative	2,261	2,168	1,914	1,256	1,283
Other Operating Expenses	-859.3	-863.67	-690.46	-3.31	-382.84
Reinsurance Income or Expense	704.54	789.43	628.94	515.77	355.25
Total Operating Expenses	2,950	3,009	2,557	2,269	1,740
Operating Income	2,296	2,723	1,307	1,289	1,094
Interest Expense	-19.23	-11.39	-8.85	-11.02	-5.61
Earnings From Equity Investments	-	-	-	-	-304.53
Currency Exchange Gain (Loss)	4.81	2.27	-2.93	-1.53	-0.67
Other Non Operating Income (Expenses)	-29.12	23.45	23.06	-53.09	-29.93
EBT Excluding Unusual Items	2,252	2,738	1,318	1,224	753.47
Gain (Loss) on Sale of Assets	56.51	54.71	31.08	-24.42	6.4
Other Unusual Items	-	-	21.27	-	-
Pretax Income	2,309	2,793	1,370	1,199	759.88
Income Tax Expense	802.35	765.56	364.78	277.46	248.16
Net Income	1,506	2,027	1,005	921.72	511.71
Net Income to Common	1,506	2,027	1,005	921.72	511.71
Net Income Growth	-25.69%	101.60%	9.08%	80.12%	23.44%
Shares Outstanding (Basic)	416	416	481	425	425
Shares Outstanding (Diluted)	416	416	481	425	425
Shares Change (YoY)	-	-13.44%	13.16%	-	-
EPS (Basic)	3.62	4.87	2.09	2.17	1.20
EPS (Diluted)	3.62	4.87	2.09	2.17	1.20
EPS Growth	-25.69%	132.89%	-3.60%	80.12%	23.44%
Free Cash Flow	197.35	1,277	190.34	763.36	715.69
Free Cash Flow Per Share	0.47	3.07	0.40	1.80	1.69
Dividend Per Share	-	2.000	2.431	3.125	0.694
Dividend Growth	-	-17.72%	-22.22%	350.03%	66.64%
Operating Margin	43.76%	47.51%	33.82%	36.23%	38.61%
Profit Margin	28.72%	35.36%	26.02%	25.90%	18.06%
Free Cash Flow Margin	3.76%	22.27%	4.93%	21.45%	25.25%
EBITDA	2,520	2,918	1,474	1,404	1,212
EBITDA Margin	48.05%	50.90%	38.14%	39.47%	42.77%
D&A For EBITDA	224.88	194.17	167.1	115.23	117.77
EBIT	2,296	2,723	1,307	1,289	1,094
EBIT Margin	43.76%	47.51%	33.82%	36.23%	38.61%
Effective Tax Rate	34.76%	27.41%	26.62%	23.14%	32.66%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.