The United Insurance Company of Pakistan Limited (PSX:UNIC)

PSX:UNIC Financials Overview

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

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	5,988	5,245	5,733	3,864	3,558	2,834
Revenue Growth	7.87%	-8.50%	48.37%	8.59%	25.56%	42.14%
Operating Income Operating Income Growth	2,646	2,296	2,723	1,307	1,289	1,094
Net Income Net Income Growth	1,813	1,506	2,027	1,005	921.72	511.71
Earnings Per Share EPS Growth	4.35	3.62	4.87	2.09	2.17	1.20
EPS Growth	-14.93%	-25.69%	132.89%	-3.60%	80.12%	23.44%

Revenue by Segment

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Fire and Property Damage Fire and Property Damage Growth	371.91	544.54	656.26	637.39	729.14	401.43
Marine Aviation and Transport Marine Aviation and Transport Growth	192.43	304.73	384.3	256.44	267.13	162.81
Motor Motor Growth	658.59	606.97	189.6	488.7	472.81	400.79
Crop Crop Growth	923.49	584.17	908.34	297.33	575.89	534.97
Miscellaneous Miscellaneous Growth	3,647	3,378	2,997	1,933	1,341	1,217
Unallocated Net Investment Income Unallocated Net Investment Income Growth	121.51	-250.64	474.12	134.8	110.99	63.6
Unallocated Rental Income Unallocated Rental Income Growth	3.05	2.77	2.52	2.29	2.08	2.45
Unallocated Other Income Unallocated Other Income Growth	123.25	111.61	135.5	165.66	59.34	32.33
Total Total Growth	6,041	5,283	5,747	3,915	3,558	2,815

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	2,065	827.41	812.96	588.92	894.35	764.87
Total Debt Total Debt Growth	128.24	163.33	183.84	48.83	82.83	93.16
Net Cash (Debt) Net Cash Growth	1,936	664.09	629.12	540.1	811.51	671.72
Net Cash Growth	211.91%	5.56%	16.48%	-33.45%	20.81%	83.62%
Net Cash Per Share Net Cash Per Share Growth	4.65	1.60	1.51	1.12	1.91	1.58

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	1,698	266.62	1,736	473.84	997.2	831.54
Capital Expenditures CapEx Growth	-35.12	-69.27	-459.21	-283.5	-233.84	-115.86
Free Cash Flow Free Cash Flow Growth	1,663	197.35	1,277	190.34	763.36	715.69
Free Cash Flow Growth	73.46%	-84.54%	570.79%	-75.06%	6.66%	38.14%

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Margin	44.20%	43.76%	47.51%	33.82%	36.23%	38.61%
Pretax Margin	44.61%	44.01%	48.71%	35.46%	33.70%	26.81%
Profit Margin	30.28%	28.72%	35.36%	26.02%	25.90%	18.06%
FCF Margin	27.78%	3.76%	22.27%	4.93%	21.45%	25.25%

Dividends

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Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	2.000	2.431	3.125	0.694
Dividend Per Share Growth	-17.72%	-22.22%	350.03%	66.64%
Dividend Yield	17.89%	39.19%	103.76%	33.75%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 12, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	2.65	4.14	2.75	3.23	2.43	4.61
P/FCF Ratio	3.47	31.61	4.37	17.05	2.94	3.30
PS Ratio	0.96	1.19	0.97	0.84	0.63	0.83

Data Source: S&P Global Market Intelligence Last updated: Jun 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:

Sep 11, 2026

Data Sources Report a data error