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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	5,908	5,245	5,733	3,864	3,558	2,834
Revenue Growth	5.87%	-8.50%	48.37%	8.59%	25.56%	42.14%
Operating Income Operating Income Growth	2,732	2,296	2,723	1,307	1,289	1,094
Net Income Net Income Growth	1,794	1,506	2,027	1,005	921.72	511.71
Earnings Per Share EPS Growth	3.59	3.02	4.06	2.09	2.17	1.20
EPS Growth	-12.48%	-25.69%	94.08%	-3.60%	80.12%	23.44%

Revenue by Segment

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Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Fire and Property Damage Fire and Property Damage Growth	544.54	656.26	637.39	729.14	401.43
Marine Aviation and Transport Marine Aviation and Transport Growth	304.73	384.3	256.44	267.13	162.81
Motor Motor Growth	606.97	189.6	488.7	472.81	400.79
Crop Crop Growth	584.17	908.34	297.33	575.89	534.97
Miscellaneous Miscellaneous Growth	3,378	2,997	1,933	1,341	1,217
Unallocated Net Investment Income Unallocated Net Investment Income Growth	-250.64	474.12	134.8	110.99	63.6
Unallocated Rental Income Unallocated Rental Income Growth	2.77	2.52	2.29	2.08	2.45
Unallocated Other Income Unallocated Other Income Growth	111.61	135.5	165.66	59.34	32.33
Total Total Growth	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	1,562	827.41	812.96	588.92	894.35	764.87
Total Debt Total Debt Growth	115.85	163.33	183.84	48.83	82.83	93.16
Net Cash (Debt) Net Cash Growth	1,446	664.09	629.12	540.1	811.51	671.72
Net Cash Growth	58.83%	5.56%	16.48%	-33.45%	20.81%	83.62%
Net Cash Per Share Net Cash Per Share Growth	2.89	1.33	1.26	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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	1,516	266.62	1,736	473.84	997.2	831.54
Capital Expenditures CapEx Growth	2.43	-69.27	-459.21	-283.5	-233.84	-115.86
Free Cash Flow Free Cash Flow Growth	1,518	197.35	1,277	190.34	763.36	715.69
Free Cash Flow Growth	-	-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	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Margin	46.24%	43.76%	47.51%	33.82%	36.23%	38.61%
Pretax Margin	45.89%	44.01%	48.71%	35.46%	33.70%	26.81%
Profit Margin	30.36%	28.72%	35.36%	26.02%	25.90%	18.06%
FCF Margin	25.70%	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	1.389	2.431	3.125	0.694
Dividend Per Share Growth	-42.86%	-22.22%	350.03%	66.64%
Dividend Yield	12.42%	37.40%	59.21%	12.50%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov 2, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	3.06	4.14	2.75	3.23	2.43	4.61
P/FCF Ratio	3.61	31.61	4.37	17.05	2.94	3.30
PS Ratio	0.93	1.19	0.97	0.84	0.63	0.83

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

Data Sources Report a data error